battles / Subscriptions
PayWhirl vs Sticky.io
PayWhirl ($149/mo/mo, vibe code 6/10) vs Sticky.io ($499/mo/mo, vibe code 4/10). PayWhirl is the easier one to rebuild yourself — here is what you lose either way.
Subscriptions
$149/mo/mo
- MVP
- 1-2 weeks
- Full replacement
- 3-6 months, due to complex dunning edge cases, gateway tokenization, and Shopify Selling Plans API maintenance
easier to rebuild
get the build prompt →Subscriptions
$499/mo/mo
- MVP
- 2 weeks
- Full replacement
- 9-12 months, due to PCI compliance, payment token migrations, and multi-MID routing logic
price gap / year
$4,200/mo
running both / year
$7,776/mo
our call
Start with PayWhirl — highest vibe code, weakest moat.
PayWhirl
If running a custom application using Stripe, PayWhirl is redundant because Stripe Billing handles subscriptions natively. If running on Shopify, PayWhirl provides turnkey integration with Shopify's Subscription Contracts API, which requires significant plumbing to recreate safely.
you can rebuild
- Customer portal for skipping, pausing, or canceling subscriptions
- Recurring billing schedule generator
- Product swap and frequency adjustment UI
- Transactional payment reminder emails
- Order generation on successful payment cycles
what you lose
- Zero-code setup for non-technical store managers
- Turnkey alignment with Shopify's native Selling Plans API
- Multi-gateway fallback and vaulting infrastructure
- Pre-built PCI-compliant payment widget embeds
- Out-of-the-box dunning workflow configuration and retry logic
real moats
- Deep platform API integration maintenance (e.g. Shopify GraphQL changes)
- Payment gateway vaulting abstraction
- Turnkey compliance with customer-facing subscription governance regulations
open source escape hatches
- Lago AGPL-3.0
- Kill Bill Apache-2.0
- Stripe Billing + Custom Portal MIT
Sticky.io
Basic recurring billing logic using Stripe is easy to build with AI, but Sticky.io handles multi-MID processing, cascade routing, card account updates, and PCI vaulting. Migrating vaulted payment tokens away from a custom setup when gateways decline transactions is a compliance nightmare.
you can rebuild
- Basic subscriber portal for pause, skip, and swap
- Subscription catalog and discount code management
- Recurring order schedule generation
- Basic email notifications for upcoming rebills
- Standard churn reporting and dashboard metrics
what you lose
- Multi-MID and gateway cascade routing engine
- PCI Level 1 compliant token vaulting outside of standard gateways
- Visa/Mastercard Account Updater (VAU/ABU) integration for expired cards
- Sophisticated decline recycling and smart dunning sequences
- Built-in chargeback protection software integrations
real moats
- PCI-DSS compliant payment token vault across multiple gateways
- Pre-built integrations with merchant processing gateways and fraud tools
- Historical transaction routing data for decline optimization
open source escape hatches
- Kill Bill Apache-2.0
- Lago AGPL-3.0
- ActiveMerchant MIT
Questions people ask
Which is easier to rebuild with AI, PayWhirl or Sticky.io?
PayWhirl. It scores 6/10 on vibe code with a moat of 3/10, so an AI-assisted MVP takes about 1-2 weeks and a full replacement about 3-6 months, due to complex dunning edge cases, gateway tokenization, and Shopify Selling Plans API maintenance.
Which one costs less, PayWhirl or Sticky.io?
PayWhirl at $149/mo/mo for a typical mid-market store. The gap between the two is about $4,200/mo a year.
What do I lose if I replace PayWhirl?
Zero-code setup for non-technical store managers Turnkey alignment with Shopify's native Selling Plans API Multi-gateway fallback and vaulting infrastructure
What do I lose if I replace Sticky.io?
Multi-MID and gateway cascade routing engine PCI Level 1 compliant token vaulting outside of standard gateways Visa/Mastercard Account Updater (VAU/ABU) integration for expired cards
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