ChaChing

ChaChing: Simplify Your Billing and Save 50% on Fees

In the modern digital economy, managing subscription models can be overwhelming and unnecessarily expensive. ChaChing is a high-performance billing engine designed to replace complex billing systems with a simpler, faster, and more affordable solution. By integrating seamlessly with your existing infrastructure, ChaChing allows you to manage subscriptions, invoices, and payments in minutes while cutting your billing fees by 50%.

Built with a focus on efficiency and reliability, ChaChing boasts a 99.99% uptime and an lightning-fast <50 ms API response time. Whether you are a small business or an enterprise-level operation, ChaChing provides the tools needed to scale without the heavy financial burden of traditional payment processors.

What's ChaChing?

ChaChing is a specialized billing engine and subscription management platform. It is designed to sit alongside your payment processor, such as Stripe, to handle the complexities of recurring billing, professional invoicing, and global tax compliance.

The core mission of ChaChing is to challenge the status quo by making billing simple, fair, and accessible. While many platforms charge high percentages for basic billing services, ChaChing offers a transparent pricing model—typically 0.35% of billing volume—enabling businesses to keep more of their revenue while utilizing professional-grade tools like hosted payment pages, customer portals, and comprehensive revenue reporting.

Key Features of ChaChing

Subscriptions & Invoicing

• Automated Subscriptions: Use a "set it and forget it" engine to automate billing cycles, renewals, and grace periods.
• One-off Invoices: Generate professional, brandable invoices for custom services or setup fees in seconds.
• Auto-proration: Effortlessly handle mid-cycle upgrades or downgrades with instant, accurate credit calculations.
• Multi-phase Schedules: Schedule subscription changes ahead of time, such as future upgrades.
• Payment Links: Accept payments with no code using convenient payment links.

Tax, Compliance & Finance

• Pluggable Tax Engines: Connect preferred providers like TaxJar or Anara to automate global calculations.
• Global Compliance: Apply specific regional tax codes (GST, VAT, Sales Tax) to individual line items for both SaaS and physical goods.
• Smart Retries: Reduce churn by using machine learning to automatically retry failed payments at optimal times.
• Invoice Auto-reconciliation: Automatically reconcile recurring invoices paid via wire transfers or ACH credit.

Analytics & Data

• Revenue Metrics: Track high-fidelity growth dashboards featuring MRR, ARR, and LTV in real-time.
• Real-time Events: Identify at-risk revenue and visualize cohort health before churn occurs.
• Comprehensive Stats: Access essential reporting to monitor the pulse of your business operations.

Developer Experience

• Stripe Migration Toolkit: Move customers and payment methods with zero downtime.
• Testing Sandbox: Iterate safely in a mirror-image environment before pushing to production.
• OpenAPI Architecture: Build faster with a standardized, well-documented API designed for modern tech stacks.

How to Use ChaChing: The Migration Process

If you are already using Stripe, you can keep your subscriptions and cut your fees by migrating to ChaChing. You continue using Stripe to process payments, while ChaChing handles the billing logic.

Step 01: Connect Your Stripe Account

Provide your Stripe secret key to allow ChaChing to access your existing subscriptions and their dependencies securely.

Step 02: Select Subscriptions to Migrate

Choose to migrate all or a subset of your subscriptions. During this stage, you will replace your current hosted page with the ChaChing hosted payment page.

Step 03: Review and Confirm

ChaChing imports all dependencies to ensure smooth continuity. Once confirmed, you will save 50% on billing fees while your payment processing remains untouched on Stripe.

Note: Migration support for Chargebee and Recurly is coming soon.

Use Case Scenarios

Small to Medium Businesses (SMBs)

For businesses processing a steady monthly volume, ChaChing provides an immediate ROI. For example, on a volume where Stripe might charge 0.70% ($840.00) for billing services, ChaChing charges only 0.35% ($420.00), resulting in an instant saving of $420.00 per month. SMBs benefit from the Customer Portal, allowing users to manage their own billing details without support intervention.

Enterprise Solutions

Larger organizations requiring custom taxing rules, multiple workspaces, and managed user access can leverage ChaChing for a scalable enterprise solution. With the OpenAPI architecture and 99.99% uptime, it fits perfectly into high-volume production environments that require reliable revenue recognition and complex subscription scheduling.

FAQ

How can I migrate to ChaChing without disrupting my current subscriptions? By using the Stripe Integration and migration toolkit, we import all dependencies and subscriptions seamlessly, ensuring your customers experience no downtime.

Do I need to change my payment processor? No. You can continue using Stripe to process your payments. ChaChing simply replaces the billing and subscription management layer to reduce your costs.

How are taxes handled? ChaChing features pluggable tax engines. You can connect your own providers or set custom rules for global compliance, including VAT, GST, and Sales Tax.

Can I create invoices? Yes. ChaChing allows you to issue both one-off professional invoices and automated recurring invoices.

Does ChaChing support custom payment pages? Yes, ChaChing provides a hosted payment page and a secure customer portal for billing management.

What about revenue recognition? ChaChing provides comprehensive stats and real-time tracking for MRR, ARR, and LTV, helping you maintain high-fidelity financial data.