SaaS billing: which platform fits your pricing model?

Stripe Billing, Chargebee, Recurly, Maxio. 4 questions before you waste a 90-minute demo.

1. Pricing model?

Flat-rate subscriptions only Tiered seats / per-user Usage-based / metered Hybrid (subscription + overage / multi-product) Custom contracts / enterprise quotes

2. ARR today?

Under $1M $1M - $10M $10M - $50M $50M+

3. Top operational pain?

Revenue recognition / GAAP / audit prep International / multi-currency / tax Sales-led contracts / quote-to-cash Engineering wants out of billing logic

4. Existing payment processor?

Stripe (already deep) Multiple processors / want flexibility None yet / starting fresh

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Fit matrix

Pricing model + size	Best fit	Why
Flat / tier, <$5M ARR, Stripe-native	Stripe Billing	Lowest engineering cost; simplest webhooks; fine until you need real revrec
B2B SaaS with quotes / multi-product / $5M+	Chargebee	Strong CPQ + multi-product catalog + Salesforce integration
Heavy revrec / GAAP / audit prep	Maxio	Built from SaaSOptics revrec engine; cleanest for finance teams
International / multi-currency complex	Recurly	Strong intl payments + tax handling + dunning at scale

Switching cost is real. Plan 3-6 engineering months and 1-2 finance months for a billing migration. Picking right at $5M ARR avoids redoing it at $20M.

FAQ

Why not just stay on Stripe Billing forever?: It works fine until you need: contract-based pricing, real GAAP-compliant revrec, multi-product catalogs, complex coupons/dunning, or a finance team that won't accept "we'll write a script for that."
Is Chargebee or Recurly better?: Chargebee is stronger for B2B SaaS with sales-led motion. Recurly is stronger for B2C subscription and international payment optimization.
What about Stigg / Orb / Metronome?: Newer entrants. Strong on pure usage-based pricing. We'll add them once their CPA programs and stability mature - some are still early.

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