Chargify is partially to "blame" here, too. They push the vault stuff off to the gateway, which leads to your vendor lock-in. Recurly, on the other hand, work

Chargify is partially to "blame" here, too. They push the vault stuff off to the gateway, which leads to your vendor lock-in. Recurly, on the other hand, works fine with Authorize.net and has no such lock-in. I'm in the position of supporting both right now as I migrate away from Chargify.