Ask HN: Subscription-billing management service for startups?

We're weighing options for how to handle customer billing and management for a subscription service. The options range from rolling our own with Stripe and Devise, to using an enterprise-level service such as Zuora.

Not having much hands-on experience in this field, it'd be interesting to know what's worked for other startups. Basically, the idea is to have accounts management separated from the main app/service in question, so that the accounts system can be hooked into future subscription services we might build.

In terms of features, this is what I'm thinking:

* Handles billing information

* Handles payment processing

* Handles user authentication

* Provides the framework for customer online interaction (i.e. account activation, cancellation, email blasts for system-related announcements)