Sorry, all the payments companies just kinda blend together for me (having had to deal with too many of 'em). Corrected the post above.

On a sidenote, Square, Stripe, Payment Ninja, <insert payments startup> so far seems to be lipstick on the pig that is the underlying debit/credit networks, often with a hefty price for said lipstick. The US badly needs a better version of Zelle that supports business transactions.

For recurring/invoice transactions, you could use GoCardless: https://gocardless.com/en-ca/pricing/ We don't use debit/credit card networks but bank account->bank account networks like ACH, SEPA, etc.

Not yet available in the US. Coming soon though.