Payset vs Recoura

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

Payset compared with Recoura
Detail	Payset	Recoura
What it does	Multi-currency business accounts for fast international payments and smarter FX	Failed payment recovery for Stripe and Square
Stage	Established	Not given
Founded	2018	Not given
Based in	GB	US
Pricing model	Freemium	Not given
Pricing	Account opening: free. Receiving funds: from £2 locally, up to 0.4% (min £10) internationally. Sending funds: from £2 locally, up to 0.4% (min £12) internationally. Currency exchange: as low as 0.09%. CHAPS transfers: from £14-£15. Urgent payments: from £20. Monthly access fee may apply based on ris	Dashboard: Free. Recovery: $39/month with manual and automatic recovery for up to $5k/month. Growth: $79/month with unlimited recovery and no monthly cap.
Key features	Send and receive in 34 currencies Exchange up to 38 currency pairs Local IBANs in five regions (UK, Europe, US, Singapore, Hong Kong) Team management with permission controls Multi-signature approval for transactions Spending rules per user 24/7 account security Two-factor authentication Multiple payment networks (SWIFT, SEPA, ACH, Fedwire, Faster Payments) Quick onboarding (1-3 business days)	Free dashboard showing revenue at risk and failed payments Branded email templates with customizable schedule AI-drafted recovery emails in your business voice In-app payment method update banners Slack and Teams notifications for payment events Weekly AI-generated churn reports Recovery Guard verification to prevent double-charges OAuth 2.0 connection without password or API key requirements
What makes it different	FCA-regulated electronic money institution with segregated safeguarding Personalized support through multiple channels (phone, email, live chat, WhatsApp) Serves 70+ countries with local payment networks	Recovers hard declines and expired payment methods that Stripe and Square cannot retry Flat monthly pricing with no revenue-based scaling Works with both Stripe and Square, unlike competitors AI recovery assistant tailored to your business voice Free plan to view revenue at risk with no credit card required
Free plan	Not given	Not given
Open source	Not given	Not given
Platforms	Not given	Not given
Public API	Not given	Not given
Community votes	0	0
DR (Domain Rating by Ahrefs)	39 −1 (down) since last check	48 no change since last check
Trust Flow (Majestic)	29	2
Citation Flow (Majestic)	22	23
Referring domains (Majestic)	701	28

5 details filled in for both companies.

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