ChaChing

What is ChaChing?

ChaChing is a subscription and invoicing management platform that replaces Stripe Billing’s functionality at roughly half the cost. It lets you keep using Stripe for payment processing while offloading billing logic—subscriptions, invoices, proration, tax calculations—to a simpler, more affordable engine. Built on the open-source Kill Bill core, ChaChing handles recurring billing, one-off invoices, and real-time revenue analytics without the premium price tag of Stripe’s own billing tier.

Who it's for

• SaaS startups looking to cut monthly billing overhead without switching payment processors
• Growing subscription businesses that need automated cycles, proration, and tax compliance but want predictable, volume-based pricing
• Small to medium teams that want a transparent, auditable billing stack with no lock-in and a clear migration path from Stripe

Key features

Subscriptions & Invoicing

Generate professional, brandable one-off invoices for setup fees or custom services in seconds. Automate subscription cycles, renewals, and grace periods with a “set it and forget it” engine that handles mid-cycle upgrades and downgrades with instant, accurate credit calculations.

Tax, Compliance & Finance

Connect your preferred tax provider—like TaxJar or Anara—to automate global calculations. Apply specific regional tax codes (GST, VAT, Sales Tax) to individual line items, whether you’re selling SaaS or physical goods.

Analytics & Data

Track MRR, ARR, and LTV in real-time with high-fidelity growth dashboards. Visualize cohort health and identify at-risk revenue before it disappears, all from a single view.

Developer Experience

Migrate customers and payment methods from Stripe with zero downtime using the included migration toolkit. Iterate safely in a mirror-image testing sandbox before pushing to production, and build faster with a standardized OpenAPI architecture.

What stands out

“Keep your subscriptions, cut your fees.”

ChaChing’s core pitch is straightforward: you keep Stripe for payment processing but replace Stripe Billing’s subscription and invoicing logic with a cheaper alternative. The result is a 50% reduction in billing fees without changing how you accept payments. The migration process is designed to be seamless—connect your Stripe account, select subscriptions to migrate, and confirm. Everything stays intact, including customer payment methods.

Worth checking out if…

You’re already on Stripe and paying for Stripe Billing but want to reduce costs without rebuilding your payment infrastructure. ChaChing is also worth a look if you value an open-source, auditable billing engine (Kill Bill) that gives you full data portability and no lock-in. The 0.35% volume-based pricing (for small to medium businesses) makes it especially attractive for teams processing significant monthly revenue.