Payment methods by region: North America
Optimize North American subscription billing with Recurly by configuring ACH payments, PayPal, digital wallets, CAD localized pricing, and Quebec compliance rules to boost conversion.
Scale · Payment methods by region
North America
How US and Canadian payment preferences diverge, and which methods to prioritize in each.
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North America
Why it matters
The US and Canada both deal in dollars, but local payment preferences dictate some variation in checkout strategy. Canadian credit card renewals succeed at 89.8% versus 89.5% for the US, but sign-up success on cards is weak in both markets — 52% in Canada, 43% in the US — which is exactly where digital wallets and PayPal close the gap in both countries.
United States
ACH leads for B2B (90.87% sign-up success). Apple Pay, Google Pay, and Amazon Pay are growing for B2C, with Klarna and Cash App gaining relevance. Chargebacks run higher here than most markets — invest in clear billing descriptors.
Canada's Official Languages Act requires customer-facing materials — checkout, emails, terms of service — in both English and French for federally regulated businesses operating in or marketing to Quebec.
How to enable it
Enable USD and/or CAD
In Configuration → Currencies, add the currencies you plan to sell in. Set localized pricing under each plan rather than relying on conversion.
Confirm gateway coverage
ACH is available through Adyen, GoCardless, Stripe, Worldpay, or Check Commerce. Digital wallets are broadly supported — confirm which gateways you have configured support the specific methods you want.
Connect a tax engine
US sales tax spans over 13,000 jurisdictions. Integrate Avalara or Vertex rather than managing rates manually.
Updated about 2 hours ago