ChaChing provides a billing engine that replaces Stripe Billing while allowing businesses to continue using Stripe for payment processing. The platform offers subscription management, invoicing capabilities, and payment handling designed to reduce billing fees by 50% compared to Stripe's standard rates.

Key features include one-off invoices for setup fees or custom services, automated subscriptions with cycles and renewals, and auto-proration for mid-cycle upgrades or downgrades. The system supports pluggable tax engines like TaxJar or Anara, multi-tax products for global compliance, and real-time revenue metrics including MRR, ARR, and LTV tracking.

The platform enables seamless migration from Stripe with zero downtime using a migration toolkit that imports customers and payment methods. It includes a testing sandbox for safe iteration and operates on an OpenAPI architecture designed for modern development stacks. The system guarantees 99.99% uptime and sub-50ms API response times.

Benefits include significant cost savings on billing fees, streamlined subscription management, and comprehensive financial analytics. Use cases include businesses looking to reduce operational costs while maintaining their existing payment processing infrastructure and subscription-based companies needing advanced billing features.

The product targets small to medium businesses and enterprise customers using Stripe for payments but seeking to reduce billing expenses. It integrates with Stripe for payment processing and supports tax providers like TaxJar and Anara for automated tax calculations.