COMPARISON
Same Stripe payments. Half the billing fees. See where ChaChing wins, where Stripe Billing is still the right call, and exactly how much you'd save at your MRR.
The quick comparison
Seven rows. Honest on both sides.
When to use which
The honest version. ChaChing isn't for everyone — here's the clearest line.
USE CHACHING IF
You fit this profile
✓ You're already on Stripe for payments and don't want to switch processors.
✓ You're paying $500+/mo in Stripe Billing fees — where savings become material.
✓ Your pricing is flat-rate subscriptions (not usage-based or tiered).
✓ You value open-source escape hatches over single-vendor lock-in.
STAY ON STRIPE BILLING IF
ChaChing isn't the fit yet
→ You need usage-based, tiered, or package pricing today (we're building — not live).
→ You rely on deeply integrated Stripe features (Sigma, Radar, Connect billing).
→ You're pre-revenue and billing fees aren't yet material.
→ Your finance team requires a single-vendor Stripe stack for compliance.
See how much you'd save
Enter your monthly subscription volume. The savings are real and compound every month you delay switching.
AT $10K MRR
$420/yr saved
A couple of ad campaign tests.
AT $50K MRR
$2,100/yr saved
A junior engineer month.
AT $100K MRR
$4,200/yr saved
A SaaS conference booth.
AT $500K MRR
$21,000/yr saved
A full-time sales role.
Feature by feature
Honest about gaps. Stripe Billing has a decade head start — ChaChing wins on price, openness, and migration; Stripe wins on advanced pricing models and ecosystem depth.
ISN'T STRIPE SAFER?
Enterprise-grade infrastructure, without the enterprise lock-in.
ChaChing is built on Kill Bill — the open-source billing engine trusted by Fortune 500 companies invoicing billions annually since 2010. Your payments still flow through Stripe. The only thing that changes is what you pay for billing management.
Battle-tested engine
Kill Bill has processed billions in invoices since 2010. The engine under ChaChing is the same one running under enterprises ten times our size.
No vendor lock-in
Kill Bill is Apache 2.0 licensed. If you ever outgrow ChaChing or want to self-host, your billing data and logic are fully portable. That's not marketing — it's the license.
Stripe still owns payments
We don't touch your payment rail. Stripe continues processing every transaction with the same reliability and fraud protection you have today. Only the billing layer changes.
Migration in under 15 minutes
Your payment rail stays on Stripe. We move the billing management layer — not the money.
STEP 01
Connect your Stripe account
Drop in your Stripe secret key. We read your existing subscriptions, customers, products, and tax rates — no manual data rebuild.
STEP 02
Pick what to migrate
Move all subscriptions, or just a subset to start. You stay in control of the cutover — we don't touch anything without your confirmation.
STEP 03
Review and confirm
Preview the imported data. Once confirmed, billing runs through ChaChing. Customers keep their same hosted page experience — nothing breaks from their side.
Most migrations complete in under 15 minutes. Complex accounts with 10,000+ subscriptions may take longer — we'll flag this during the preview step.
Common questions, direct answers
Do I have to change my payment processor?
No. ChaChing sits on top of your existing Stripe account. Stripe still processes every payment — ChaChing handles subscription management, invoicing, and billing logic at half the fee.
What if I have a lot of infrastructure built on Stripe?
If your stack depends on Stripe Billing-specific features like Sigma SQL queries, Radar fraud rules, or Stripe Connect billing for marketplaces — those don't port over. For teams with heavy Stripe ecosystem coupling, staying on Stripe Billing is usually the right call. If your dependency is just subscriptions, invoicing, and the basic billing layer, migration is straightforward.
Is ChaChing safe? You're smaller than Stripe.
The billing engine is Kill Bill — open-source, used by Fortune 500 companies invoicing billions annually since 2010. Your payments still run through Stripe's rails. And because Kill Bill is Apache 2.0 licensed, if anything ever happens to ChaChing, you can export your data and run Kill Bill yourself. That's more portability than you have with Stripe Billing today.
What happens to my customers during migration?
Nothing visible. Their payment method stays on file, their billing cycle continues on the same day, their hosted payment page continues working. Most customers never notice a migration happened.
What if Stripe Billing changes their pricing?
You're insulated. You pay ChaChing's rate (0.35%), not Stripe Billing's rate. If Stripe raises Billing fees, it doesn't affect you. If Stripe lowers them, you can always move back — we don't lock you in.
Can I use both during a transition period?
Yes. Migrate subscriptions in batches. Keep new customers on ChaChing while letting legacy contracts finish on Stripe Billing. There's no forced cutover.
What's the minimum commitment?
None. No contracts, no minimums. If ChaChing isn't the right fit, migrate back — Kill Bill's open standard means your data is portable by design.
STILL READING?
The savings compound every month you wait.
If you're on flat-rate Stripe Billing and paying more than $500/mo in fees, switching tomorrow is cheaper than switching next quarter. Start the migration preview — it takes 15 minutes.
Main office: 7614 NE 4th Ct, Miami, FL 33138 Support Line: support@chaching.io