Chargebee vs Stripe vs Zuora

Need advice about which tool to choose?Ask the StackShare community!

Chargebee

153
164
+ 1
0
Stripe

18.8K
12.2K
+ 1
1.5K
Zuora

56
88
+ 1
4

Chargebee vs Stripe vs Zuora: What are the differences?

Introduction:

Chargebee, Stripe, and Zuora are all popular payment processing platforms that provide services to businesses looking to manage their online payments. While all three platforms offer similar features, there are key differences between them. In this comparison, we will explore the main differences between Chargebee, Stripe, and Zuora.

  1. Integration with other services: One key difference between Chargebee, Stripe, and Zuora is their level of integration with other services. Chargebee offers built-in integrations with a wide range of popular applications, making it easy for businesses to connect their payment systems with other tools such as CRM platforms, marketing automation software, and accounting software. On the other hand, Stripe and Zuora also offer integrations, but their range may not be as extensive as Chargebee.

  2. Subscription management: Another important distinction between Chargebee, Stripe, and Zuora is their approach to subscription management. Chargebee is specifically built for subscription-based businesses, offering advanced features such as flexible billing models, proration management, and subscription lifecycle automation. Stripe, while also capable of handling subscriptions, may not offer the same level of sophistication and flexibility as Chargebee in this regard. Zuora, on the other hand, is known for its robust subscription management capabilities, providing a comprehensive suite of tools for managing recurring revenue businesses.

  3. Pricing and billing: When it comes to pricing and billing, Chargebee, Stripe, and Zuora again have some differences. Chargebee offers a tiered pricing structure based on the number of subscribers, providing businesses with flexible options to suit their needs. Stripe, on the other hand, has a straightforward pricing model based on transaction volume, with no additional fees based on the number of subscribers. Zuora's pricing model is known for being more enterprise-oriented, with custom pricing based on individual business requirements.

  4. International support: The level of international support is another distinguishing factor between Chargebee, Stripe, and Zuora. Chargebee provides comprehensive international support with multi-currency and multi-language capabilities, allowing businesses to easily operate in different countries and cater to diverse customer bases. Stripe also offers international support, but the range of supported countries and currencies may not be as extensive as Chargebee. Zuora, being an enterprise-grade platform, provides robust international support for businesses with global operations.

  5. Analytics and reporting: The analytics and reporting capabilities vary between Chargebee, Stripe, and Zuora. Chargebee offers advanced analytics and reporting features out of the box, providing businesses with insights into key metrics such as subscription growth, churn rates, and revenue trends. Stripe, while also providing some basic reporting features, may not offer the same level of depth and customization as Chargebee. Zuora, being a comprehensive platform, offers advanced analytics and reporting capabilities tailored for subscription businesses, allowing for in-depth analysis of key performance indicators.

In summary, Chargebee, Stripe, and Zuora are all powerful payment processing platforms, but they differ in terms of integration capabilities, subscription management features, pricing and billing structures, international support, and analytics and reporting capabilities. Businesses should consider their specific needs and requirements when choosing between these platforms.

Advice on Chargebee, Stripe, and Zuora
Needs advice
on
AdyenAdyen
and
StripeStripe
at
()

We're looking for a payment gateway with a robust and dependable API. We will be accepting recurring payments for premium plans on our website, preferably in as many regions as possible.

While looking for Stripe alternatives, we found Adyen, which seemed like a viable option - we would love to hear your thoughts!

I appreciate your time reading this message and hope to hear back from you about your experiences with payment gateways!

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Replies (2)
Recommends
on
Stripe BillingStripe Billing

I would recommend Stripe because it has a feature called Billing which is built for Premium plans. While adyen has more Payment Options, Stripe has lesser charging rates per transaction. But this also depends if your product is available worldwide or to specific nations. If you want to go worldwide, I would recommend Adyen as It is scalable. If you want to go for some specific nations Stripe will be better and easier to integrate but Stripe will also be great if you are worldwide.

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H.F. Kane
Managing Member at FCC Merchant Services · | 3 upvotes · 24K views
Recommends

Question for you: Where will you be running the transactions through? Will they be done in each country separately or done domestically? The reason I ask, Payfacs (i.e.: stripe, braintree, square, etc) charge two extra transactions if the processing is done domestically. The first being on an international card 1% and the second being in a currency other than your home country's currency 1%.

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Vincenzo Belpiede
CEO at StellarTalents.com · | 7 upvotes · 116.1K views
Needs advice
on
ChargebeeChargebeePaddlePaddle
and
StripeStripe

Stripe or Paddle for payment processing for SaaS?

we used Stripe + Chargebee once and will NEVER use them again (they charge too much (300usd/month while offering way fewer integrations than Stripe)

Furthermore, Chargebee doesn't support managing disputes. We still need to go to stripe for that.

Looking forward to hearing your thoughts

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Replies (1)
Julien DeFrance
Principal Software Engineer at Tophatter · | 4 upvotes · 35.1K views
Recommends
on
RecurlyRecurly

I'd recommend you check out Recurly. They are one of the leading solutions in the recurring billing space, but also support one-off orders. Recurly answers most common e-commerce use cases, will also give, out of the box, rich plan/subscription management functionalities to all the teams within your organization. They also come with great documentation, and SDKs, which from an Engineering standpoint, made it a very enjoyable pilot to work on, at the time. You'll also get great visibility/BI/analytics for free, allowing you to monitor the health of your business. Your Finance team will also get all of the data that they want. Without having you write any line of code. As you did touch upon integrations, they integrate with major payment gateways, including their own, support webhooks, integrate with Segment and therefore any tool that integrates with Segment, which makes this solution one of the most extensible one you'll find. Eg. Triggerring some Email Marketing "journey" (workflow) in AutoPilotHQ based on certain events.

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Team Showwcase
Product Team at Showwcase · | 6 upvotes · 66.4K views
Needs advice
on
PayPalPayPal
and
StripeStripe

Hi Folks,

I represent Showwcase, which is a network built for coders.

We're introducing a paywall for content creators on the platform to start accepting payments from their Followers for premium and unique content over and above the general free content. We are internally considering either Stripe or PayPal to handle this for us.

If we take the pricing out of the debate, what's the go-to choice when choosing which to integrate? Our current standpoint is that Paypal has wider consumer adoption, and since most creators are individuals, it makes sense to just use Paypal because they already have an account. However, our business uses Stripe, and so it makes it easier if both the platform (Showwcase) and creators to be on the Stripe platform. That being said, if creators don't already have an account, they will need to sign up with Stripe on the spot, which is a friction point.

I would like to hear the pros and cons in developer environments as well as any other things we might not know.

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Replies (3)
Arthur Sparks
Recommends
on
StripeStripe

PayPal is a dinosaur and a nightmare to work with, both in terms of API as well as on the business side. We support both because our A/B tests showed a material increase in conversions by offering both, but I would drop PayPal in a heartbeat if I could. Stripe is a joy to work with.

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Les Brown
Developer at Blue Sky iSolutions · | 5 upvotes · 51.8K views
Recommends
on
PayPalPayPal

I prefer Stripe for developers' ease of integration and PayPal for providing the simplest user experience (i.e., improved revenue.) In my experience, neither platform requires a user register to pay via credit card. However, as noted, many people have a PayPal account, which allows quick and easy payments through a "more" trusted name.

I used Stripe and Paypal and settled on Paypal for the customer. However, the PayPal web hook back end is a complete mess (at least in PHP). Unless they have improved very recently, PayPal web hook integration is poorly documented and barely supported with bits and pieces of important code on GitHub and elsewhere. I can't speak for other languages. But given the popularity of Paypal (i.e., improved revenue), I decided to keep using Paypal after I got the web hook integration worked out.

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Pamela Pierce
President at Learn About Green LLC · | 2 upvotes · 47.6K views
Recommends
on
PayPalPayPalStripeStripe

Stripe is strong because of their security. It is difficult for the programmer to install it, and in my case was impossible since my hosting provider did not have up-to-date software that it requires. I had to use another program on top of it as the shopping cart instead of using Stripe's shopping cart. But Stripe integrates with everything if you can get it to install, and is stable.

The big reason to go with PayPal is the 6 months same as cash or multiple payments over weeks for your clients. Some clients need this and you will lose them without PayPal. PayPal may change their policies, so in my opinion, PayPal is not as stable as Stripe. Some clients refuse or can't use PayPal, where Stripe is available to everyone with a credit card.

In summary, I set up both for my clients. And I used Zoho for everything else - shopping cart, accounting, CRM, banking, etc. It integrates with both Stripe and PayPal and pretty much anything else you use.

Be sure to read the Terms of both Stripe and PayPal, and I think that will help you with your decision.

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Decisions about Chargebee, Stripe, and Zuora
Francesco Boffa

After the initial investigation on which platform to use to process our payments, Stripe was a total no brainer.

We are heavy users of Stripe Connect, which allows us to collect payments on behalf of our client restaurants. Connect makes it super easy to collect, payout and manage any fee structure.

At the time that the platform was written it was also the only platform that was working flawlessly with Google Pay and Apple Pay on the Web.

Today we also give out to our clients Terminals from Stripe, allowing us to process all payments under a single unified interface.

We are looking forward to further integrations, like with AliPay and other local payment methods.

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James Bender
Lead Application Architect at TekPartners · | 11 upvotes · 61.3K views

I used (tried to use) PayPal on one project and it was a total nightmare. At the time there was no cohesive "one" web-based product, you had to choose between three and the lines between them were very muddled. We reached out to developer support several times and they were no help at all. The documentation was old (incorrect) and confusing. Granted this was several years ago, but the pain remains. Given a choice of using PayPal and sticking hot needles in my eyes, I would first ask "How big and hot are these needles we're talking about?" Stripe is SO much easier!

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Kilian Stallinger
Backend-Engineer at Findustrial · | 4 upvotes · 71.1K views

Stripe is very well known for its developer experience and great documentation. We considered Recurly and other tools because of the easy tax-automations and subscription handling.

But lately Stripe introduces its own tax-handling feature, and it was just a perfect match for our usecase. Also we are migrating some of our billing to a Pay-per-Use system, wich Stripe supports very well.

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Isaiah Garcia
Community Developer at StackShare · | 3 upvotes · 7K views

Not only is ReCharge more interoperable with Shopify services and apps, thereby reducing the amount of work required to implement it, but it's also more cost-effective than ChargeBee.

At least with regard to handling physical products, I find ReCharge to be superior and cleaner. Their customer service is kinder AND they even let you try them out for the first $100k worth of recurring revenue, so you can really get a feel for whether or not it will be a good tool for your organization in the long run.

If you use Shopify, sell physical goods, and have complex subscription needs, ya can't go wrong with ReCharge. Plus, the cost is reasonable, so give it a go!

If you're in the SaaS business, ChargeBee may be more appropriate though.

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Lucas Litton
Founder & CEO at Macombey · | 4 upvotes · 284.1K views

We use GoCardless to simplify the way clients and partners pay for our services. What intrigued us is the quick and easy ACH feature that gives our clients the option to log in with their bank account and shoot the funds directly to our account. The fee, compared to Stripe is less. Stripe and PayPal charge 2.9% + 30c and Stripe also forces the client to enter in all of their payment details manually and then if the payment doesn't work, the client has to try all over again. GoCardless charges 1% + 25c which is much more reasonable dealing with the large projects that we are currently working on.

We integrate GoCardless with Xero to easily send out quick invoices, receive the funds and track all revenue in one place.

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With COVID-19 looming over us, businesses are, more than ever, looking for ways to set up online payments.

And having recently gone through implementing both Stripe and GoCardless to get monthly subscriptions set up and automated on my company website, I felt there was no better time to write this blog post!

If you're currently looking at working with a Payment Gateway provider API, or you're currently working with one but are not a fan, are looking to automate things a bit more, or are just generally thinking about changing, then you should have a read of my latest blog post where I compare Stripe and GoCardless.

I compare APIs in depth, specifically the subscription checkout flow that both offer (they're very similar, with some BIG differences).

There are plenty of code examples on how to set it up in a Node.js environment and right at the end, I rate each API based on the following factors:

  • API ease of use
  • API documentation
  • Payment pages
  • Costs / fees
  • Security
  • Developer appeal
  • Customer experience
  • Free Trial

So feel free to check it out, and I hope you like it. Please leave any feedback as it is very helpful. Thanks!

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Stripe was made with developers in mind first so the extensibility of it is great! This makes it very easy for us to integrate and automate as much as we need with its APIs and SDK. It allows a lot of customization of exactly what we need to build our applications. They also manage all of our customers from a tax and accounting perspective which makes it easy from a business standpoint.

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Pros of Chargebee
Pros of Stripe
Pros of Zuora
    Be the first to leave a pro
    • 302
      Easy setup
    • 292
      Developer friendly
    • 248
      Well-designed api
    • 191
      Great documentation
    • 169
      Clear pricing
    • 75
      Secure
    • 74
      Reliable
    • 63
      Full integration with webhooks
    • 43
      Amazing api
    • 38
      Great customer support
    • 11
      Easy
    • 6
      Credit cards never hit your server - no pci worries
    • 5
      Recurring billing
    • 4
      No merchant account/gateway required
    • 3
      BitCoin
    • 3
      Easy to integrate
    • 2
      Support for SCA (Strong Customer Authentication)
    • 2
      Fast UI
    • 2
      Great app
    • 1
      Beautiful
    • 1
      Payments without own backend (using Stripe Products)
    • 1
      Connect
    • 1
      Checkout.js
    • 1
      Great UI
    • 1
      So easy to use
    • 1
      Well documented API
    • 1
      Recurring billing
    • 1
      Reliable
    • 1
      Extensive Documentation

    Sign up to add or upvote prosMake informed product decisions

    Cons of Chargebee
    Cons of Stripe
    Cons of Zuora
      Be the first to leave a con
      • 4
        Connect
      • 2
        CANNOT withdraw USD to a Canadian Bank Account
      • 2
        Does NOT have a currency conversion option like Paypal
      • 2
        They keep 25% of the income for 60 days
      • 1
        Pricing

      Sign up to add or upvote consMake informed product decisions

      What is Chargebee?

      Chargebee is a subscription billing platform that lets you bill, manage and understand your SaaS or subscription based eCommerce business easily.

      What is Stripe?

      Stripe makes it easy for developers to accept credit cards on the web.

      What is Zuora?

      Zuora gives you the enterprise-class, cloud-based tools you need to launch and scale any subscription service, quickly and affordably. Design your pricing and packaging, start taking quotes and placing orders, automate your billing and payments, and keep tabs on your financials.

      Need advice about which tool to choose?Ask the StackShare community!

      What companies use Chargebee?
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      What companies use Zuora?

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      What tools integrate with Chargebee?
      What tools integrate with Stripe?
      What tools integrate with Zuora?

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      What are some alternatives to Chargebee, Stripe, and Zuora?
      Chargify
      Chargify simplifies recurring billing for Web 2.0 and SaaS companies. Build innovative web applications without worrying how to bill your customers.
      Recurly
      Recurly is the leading pay-as-you-go recurring billing service because setup is easy, integrations are quick, and our service grows with the needs of your business.
      Stripe Billing
      A set of billing and subscription tools for developers and business people. Developers can use out-of-the-box functionality to get started quickly or use the composable API building blocks to design fully customized subscription logic and pricing models. Business people can create and manage subscriptions and invoices—and view detailed financial reports.
      Braintree
      Braintree replaces traditional payment gateways and merchant accounts. From one touch payments, to mobile SDKs and international sales, we provide everything you need to start accepting payments today.
      Zoho Subscriptions
      It is a subscription billing platform, built to handle the entire customer subscription life cycle. Automate billing, handle customer subscriptions, analyze metrics, and get paid on time, every time.
      See all alternatives