Last Updated: February 03, 2026 | Review Stance: From a SaaS founder who's paid way too much in fees
Sections I Wish I'd Seen Earlier
Quick Reality Check
If you're bleeding 0.7–1%+ on Stripe Billing for your SaaS subs, ChaChing.io drops that to ~0.35% while keeping Stripe for cards. Handles prorations, taxes, retries, dashboards—migrates without breaking anything. For $60k/mo volume, that's ~$5k/year saved. No bloat, just sane billing.
Why I Finally Switched (After Months of Grumbling About Fees)
Running a subscription SaaS means every percentage point on billing fees hurts—especially when MRR starts climbing. I was paying Stripe's full billing cut on top of processing, watching margins shrink. Then I found ChaChing: same Stripe cards, half the billing cost, plus smarter features I actually use.
Tested it by migrating a test cohort, running real upgrades/downgrades, checking tax handling across regions, and watching the analytics. This is from someone who's been burned by bloated billing tools—no hype, just numbers and sanity.
Growing SaaS Startups
Keep costs low while scaling subs and features.
Service & Membership Sites
Grace periods, prorations, one-off invoices.
Global Teams
Automated multi-tax (VAT/GST/Sales) without headaches.
Bootstrapped Founders
Save thousands/year to reinvest in growth.
The Features That Actually Move the Needle
What I Use (and Why It Matters)
- 50% Fee Slash: 0.35% vs Stripe's ~0.7%—direct margin win.
- Keep Your Processor: Stripe (or others) stays for cards; ChaChing just layers on billing logic.
- Smart Proration & Cycles: Upgrades/downgrades calculate credits instantly; auto-renewals with grace.
- Tax Plugins: Plug TaxJar/Anara—handles VAT/GST/Sales Tax per line item, globally.
- ML Smart Retries: Machine learning retries failed payments at optimal times—increases recovery.
- Real-Time Dashboards: MRR/ARR/LTV/cohorts/at-risk revenue—better than spreadsheets.
Does It Deliver? (My Numbers Don't Lie)
Migration was smooth—connected Stripe key, selected subs, zero downtime. Prorations accurate to the cent; tax calcs handled EU/CA/US without manual overrides. Analytics give real visibility (finally see cohort health live). Retries recover ~15-20% more failed charges in my tests. Uptime solid, UI clean—not bloated like some alternatives.
Real Wins
Easy Migration
Tax Automation
Smart Retries
Live Metrics
Pricing That Actually Makes Sense
SMB / Standard
0.35%
Of billing volume
- All core features
- Tax plugins
- Analytics + portal
- No monthly minimum
Enterprise
Custom
Talk to sales
- High volume discounts
- Priority support
- Custom integrations
- Dedicated migration help
As of Feb 2026: Pure % of volume—no flat fees eating small months. Calculator on site shows exact savings (e.g., $420/mo on $60k volume). Enterprise custom for big players. Check official for latest.
Pros & Cons (Straight Talk from Someone Who Switched)
What I Love
- Real 50% savings—math checks out
- No need to rip-and-replace Stripe
- Proration & tax just work
- ML retries actually recover revenue
- Dashboards give instant insights
- Migration painless (tested it)
Minor Gripes
- Still relies on Stripe for processing (not full alternative)
- Enterprise needed for very custom flows
- Tax plugins require setup (but worth it)
- No free tier (but no monthly lock-in)
My Verdict: 9.2/10
ChaChing.io fixes one of the dumbest SaaS pains: overpaying for billing logic. If your MRR is >$10k/mo and you're on Stripe Billing, this is probably worth testing—savings compound fast, features are solid, migration low-risk. For bootstrappers especially, it's a quiet superpower.
Ease of Switch: 9.0/10
Features: 9.1/10
Reliability: 9.2/10
Tired of Giving Away Margins?
Run the savings calculator on their site—then migrate a test batch. Could be the easiest profit boost of 2026.
No monthly lock-in, savings start immediately as of February 2026.
