Stripe
Stripe Billing is Stripe’s subscription and recurring revenue platform that helps SaaS companies, marketplaces, and digital businesses launch, manage, and scale billing models without heavy lift.
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Stripe Overview
Key Features & Capabilities
Create and manage subscriptions in minutes using the Dashboard, Payment Links, or Checkout, or build a custom integration. Handle trials, proration, upgrades/downgrades, and recurring invoices with minimal code.
Automate metered billing by sending, aggregating, and analyzing consumption events in real time. Includes 100 million metered events per month, with higher limits available via sales.
Reduce involuntary churn with ML-powered Smart Retries and configurable retry schedules. Send automated emails for failed or late payments to recover revenue without manual effort.
Offer a secure, hosted portal where customers can update billing details, manage subscriptions, and view invoices. Supports custom domains (additional fee) for a branded experience.
Use quotes to approve pricing before activation, schedule multi-phase subscription changes in advance, and automatically reconcile recurring invoices paid by bank transfer or ACH.
Pricing Plans
Pay-as-you-go
- Subscriptions and recurring invoicing included
- Usage-based billing with Meters API (includes 100M events/month)
- Automated reminders and dunning emails
- Smart Retries (ML-powered revenue recovery)
- Automations for recovery and lifecycle (up to 3 automations)
- Customer Portal (custom domain +$10/month)
- Automatic reconciliation for bank transfer/ACH
- Quotes and multi-phase subscription schedules
Annual Plan – €500/month
- Up to €80,000 Billing volume per month included
- 0.67% fee for Billing volume above included threshold
- Subscriptions and recurring invoicing included
- Usage-based billing with Meters API (includes 100M events/month)
- Automated reminders, Smart Retries, and up to 3 automations
- Customer Portal; custom domain +$10/month
- Automatic bank/ACH reconciliation, quotes, and schedules
Annual Plan – €1,200/month
- Up to €200,000 Billing volume per month included
- 0.67% fee for Billing volume above included threshold
- Subscriptions and recurring invoicing included
- Usage-based billing with Meters API (includes 100M events/month)
- Automated reminders, Smart Retries, and up to 3 automations
- Customer Portal; custom domain +$10/month
- Automatic bank/ACH reconciliation, quotes, and schedules
Annual Plan – €2,350/month
- Up to €400,000 Billing volume per month included
- 0.67% fee for Billing volume above included threshold
- Subscriptions and recurring invoicing included
- Usage-based billing with Meters API (includes 100M events/month)
- Automated reminders, Smart Retries, and up to 3 automations
- Customer Portal; custom domain +$10/month
- Automatic bank/ACH reconciliation, quotes, and schedules
Annual Plan – €4,900/month
- Up to €850,000 Billing volume per month included
- 0.67% fee for Billing volume above included threshold
- Subscriptions and recurring invoicing included
- Usage-based billing with Meters API (includes 100M events/month)
- Automated reminders, Smart Retries, and up to 3 automations
- Customer Portal; custom domain +$10/month
- Automatic bank/ACH reconciliation, quotes, and schedules
Enterprise / Custom
- For Billing volume above €850,000/month or unique business models
- All features of annual plans
- Tailored pricing and higher event limits
- Solution design with Stripe experts
- Enterprise-grade support and SLAs
Annual plans are billed on a 1-year contract; page indicates savings between ~11–18% by tier. Stripe Payments processing fees apply separately (example regional rates shown: EU cards 1.5% + €0.25; UK cards 2.5% + £0.25). Credits incur standard billing and payment processing fees at funding; applied credits won’t count toward Billing volume during public beta, but will count post-beta when applied to invoices. Customer Portal custom domains cost $10/month. Usage-based billing includes 100M events/month; higher limits available via sales.
Pros & Cons
Pros
- Robust usage-based billing via the Meters API with real-time event aggregation and 100M events/month included.
- Built-in revenue recovery with Smart Retries and configurable dunning; customers report fewer billing issues and higher auth rates.
- Global payments coverage through Stripe Payments and Payment Element, enabling rapid rollout of local methods for international growth.
- End-to-end operations tooling—quotes, multi-phase schedules, bank/ACH reconciliation, and a hosted Customer Portal—for lean finance ops.
- Enterprise-grade reliability (reported 99.999% uptime) and deep analytics via the Dashboard, Sigma, and Data Pipeline.
Cons
- ×Total cost can be complex at scale due to combined Billing percentage fees, plan overage (0.67%), and separate payment processing fees.
- ×Automations included are limited to three by default, which may constrain advanced lifecycle/dunning workflows without customization.
- ×Some capabilities assume adoption of Stripe Payments and ecosystem components, reducing flexibility if you prefer other PSPs.
- ×Geographic availability and local method support align with Stripe’s supported countries; expansion outside coverage may require alternatives.
- ×Custom domain for the Customer Portal incurs an additional monthly fee, adding to branding costs.
User Reviews
Geoff Smith, VP & GM of Consumer Scores, FICO
Using Stripe, we’ve seen a one percentage point lift in authorization rates and a 50% reduction in subscription billing issues. My Stripe Dashboard is always open—it’s super helpful at the executive level.
Deepti Padiyar, Product Lead for Digital Payments, Zoom
The Payment Element played a central role in helping us enter new markets and launch local payment methods we don’t support natively.
Lauren Zimmermann, Sr. Product Marketing Manager, OrderMyGear
After implementing Stripe’s Optimized Checkout Suite, our abandoned cart rate dropped 8% and flexible methods like Klarna boosted AOV by 67%.
Rodney Cox, CTO, Beyond Menu
We’re not in the payments business—we needed a solution that lets us execute fast on our roadmap. Stripe checks all the boxes.
Cancan Liu, CEO & Co‑founder, allO
With Stripe-hosted onboarding, restaurants can start accepting payments in about five minutes, and S700 terminals give us rock-solid reliability.
Frequently Asked Questions
Does Stripe Billing support usage-based pricing?
Yes. Stripe Billing includes a Meters API to send, aggregate, and analyze consumption events in real time. It includes 100 million metered events per month, with higher limits available through sales.
Is there an annual plan for Stripe Billing?
Yes. Annual plans are available with monthly payments and tiered pricing starting at €500/month, each including a monthly Billing volume allowance and 0.67% for overage.
Which features are included across Billing plans?
Subscriptions and recurring invoicing, usage-based billing (Meters), automated reminders, Smart Retries, up to three automations, Customer Portal (custom domain extra), automatic bank/ACH reconciliation, quotes, and multi-phase subscription schedules.
What payment methods can I offer with Stripe Billing?
Stripe Billing runs on Stripe Payments, giving access to cards, wallets (Apple Pay, Google Pay), bank debits, and many local methods. Customers like Zoom use Payment Element to add local options rapidly.
Are there extra fees for the Customer Portal?
The hosted Customer Portal is included; adding a custom domain costs $10/month.
How does Stripe Billing help reduce involuntary churn?
Smart Retries uses machine learning to retry failed payments at optimal times, and you can configure automated dunning emails and recovery flows. Users like FICO report fewer billing issues after switching.
Can Stripe Billing handle bank transfers and ACH?
Yes. Billing supports automatic reconciliation for recurring invoices paid by bank transfer or ACH, reducing manual matching.
How are credits handled in Billing?
You can issue prepaid or promotional credits. Standard billing and payment processing fees apply when funding credits. During public beta, applied credits don’t count toward Billing volume; they will after beta when applied to invoices.
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