We looked at Recurly too... You are wrong that you can just zero out the gateway numbers in the calculators. Recurly charges 1.25% + 10 cents (http://recurly.com/pricing). 1.25% is a CRAPLOAD. Using a merchant account from FeeFighters would for us end up costing something like 2.1% + 20cents for the merchant account but then we'd have to pay an additional 1.25% + 10cents to Recurly, making it a total of 3.35% + 30 cents, far more than Stripe. Plus there's a $69 minimum fee, which sucks when you are starting out
Chargify (http://chargify.com) or Spreedly (http://spreedly.com) + Samurai (http://samurai.feefighters.com) is going to be significantly cheaper in our case (we expect to ramp to $30k/sales/mo). I'll pretty-up and share the google spreadsheet I used shortly. Stripe is still the best option if you have low transaction size and low volume (I think it was <$6k/mo). Other than that it was either chargify+samurai or spreedly+samurai (depending on the number of transactions because of chargify's tricky pricing)
Chargify (http://chargify.com) or Spreedly (http://spreedly.com) + Samurai (http://samurai.feefighters.com) is going to be significantly cheaper in our case (we expect to ramp to $30k/sales/mo). I'll pretty-up and share the google spreadsheet I used shortly. Stripe is still the best option if you have low transaction size and low volume (I think it was <$6k/mo). Other than that it was either chargify+samurai or spreedly+samurai (depending on the number of transactions because of chargify's tricky pricing)