Chargebee Payments Platform
Credits, usage, and subscriptions create more payment moments, and more risk for revenue to quietly slip away. Chargebee's integrated payments and billing platform knows every customer's history, every plan context, and every invoice's status. Routing gets smarter. Authorization and recovery rates go up. Your books close without the overhead. You add more to your top line and bottom line.
No single-gateway lock-in. Add, route, and switch gateways without rebuilding your billing stack.
The Market Shift
Payment infrastructure is being absorbed into closed ecosystems: billing tools, metering layers, and gateway networks folded into single payment vendor stacks. For growing businesses, the quiet cost of this market-trend is leverage: gateway choice erodes, and the flexibility to experiment with your pricing and business models reduces.
The businesses best positioned in this environment built their payment stack around something the consolidating players structurally can't replicate: the recurring customer relationship as the lens for every payment decision.
With Chargebee, billing and payments share context, the decisions that move revenue; routing, recovery, reconciliation; work with the full picture of your business instead of just the transaction in front of them.
Chargebee Payments Lifecycle
Most payment platforms merely handle the transaction. Chargebee handles the customer relationship around it: because routing, recovery, and reconciliation all get more precise when the payment layer knows who your customer is.
40+ gateways. Your rules. No code.
Chargebee lets you build a gateway network that fits your markets, your payment methods, and your customers. You set the rules once. Chargebee runs them on every transaction.
Hosted, embedded, API, or self-serve. Every method. Every region.
Chargebee supports every checkout surface: from hosted pages to embeddable Payment Components to your own API integration. Customers manage their own payment methods in the Customer Portal post-checkout. And when pricing complexity requires it (credits, usage, hybrid plans), the payment layer handles it natively.
Configuration, not an engineering sprint.
Smart Routing maps payment method and currency to the gateway that performs best. It goes deeper to route by customer location, by plan, by invoice amount. Rules are prioritized, tested before activation, and applied consistently on every transaction. When no rule matches, safe defaults ensure payments never fall through.
The payment layer connected to the billing layer.
A gateway sees a transaction. Chargebee sees the subscription behind it: the plan, the customer's history, the invoice it belongs to. That context doesn't just improve routing. It improves every downstream decision: how to retry a failure, how to reconcile the payout, how to flag a drop in auth rate.
Smart retries. ML-powered recovery. Backup methods. All automatic.
Up to 10% of recurring revenue is at risk from payment failures. Chargebee's recovery layer has three levels: automatic backup payment method fallback, Smart Dunning with configurable or dynamic retry schedules, and Revive, which reads 200+ signals including customer LTV, tenure, and payment history to determine the right timing and approach for each failure type.
When billing and payments share a platform, reconciliation is already done.
Chargebee Pay payments already know which invoice they belong to at the moment of processing. No manual bridge between two systems. For multi-gateway setups, the Consolidated Detail Report gives a transaction-level monthly breakdown across payments, payouts, fees, refunds, chargebacks, and reserves. Finance closes faster.
Any gateway can report on itself. Only Chargebee can benchmark them against each other.
Reveal sits on top of all your connected gateways and does what no single gateway can: compare auth rates across gateways on the same payment method in the same market, surface the fees quietly adding up in your processing costs, and produce a prioritized fix list with dollar impact and effort level. No SQL. No payments specialist on call. 24/7.
Seven stages. One platform. The billing data that makes every payment decision smarter runs through all of them.
Global Reach
Every new country, currency, and payment method used to be its own integration: a new contract, custom middleware, an engineering sprint that pushed the launch a quarter to the right. Not with Chargebee Payments. The coverage is already in place: 40+ gateways, 30+ payment methods, 150+ countries, 100+ currencies, all wired into the billing platform from the start. You add a regional gateway or a local method as a configuration, not a build. And because nothing is strictly coupled with one provider, you can add, route between, or exit a gateway any time without touching your billing stack.
When your pricing runs on credits, usage, or hybrid plans, each customer creates more payment moments across more surfaces: checkout, top-ups, overages. The same coverage layer handles that volume on the same terms, in the same place.
Credit cards, Direct Debit, PayPal, Stablecoins, and more.
Unparalleled Efficiency
For teams that want billing and payments unified from day one, it removes the slowest part of getting paid: the wiring in between. Chargebee Pay is payments embedded into billing so every transaction already knows which invoice it belongs to the moment it's processed. There's no manual bridge to build, and no reconciliation queue waiting at month-end. Chargebee's embedded payments is one option you could choose from our entire payments network, never a mandate: your other gateways stay live alongside it.
Intelligent Recovery & Visibility
ML-powered Chargebee Revive reads 200+ signals like customer LTV, tenure, payment history, and failure type, to decide how and when to retry each failure. This is unlike standard payment recovery tools that run one fixed retry schedule for every failed transaction. The revenue you'd otherwise write off comes back.
360° visibility is the other half. Any gateway can report on itself; none can tell you how it stacks up against the others. Chargebee Reveal sits above every connected gateway, benchmarks them, and hands Finance teams a prioritized fix list with dollar impact attached.
Acts on billing context no standalone gateway can see, timing every retry to the failure type and the customer behind it.
Auth rates and fees compared, not just reported, with a dollar-quantified fix list Finance can act on without engineering.
Proof
“As our business grew, so did the complexity of managing payments. Chargebee simplified our payments layer, enabling us to expand globally and adapt quickly without constantly reworking our infrastructure. Having Chargebee sit at the heart of all gateways supported our growth.”
“Chargebee was able to 'sit on top' of our existing payment processor with no complications. It provided us the ability to offer multiple payment options, which helped us acquire a more diverse set of customers using our solution.”
Stay protected with enterprise-grade security. We uphold the highest security certification standards
SOC IIGDPR24/7 IncidentISO-27001
Chargebee Payments is a billing-native payments platform, not a standalone gateway. Unlike a gateway that only sees the transaction in front of it, Chargebee Payments connects every payment decision, from routing to recovery and reconciliation, to the full billing context: customer LTV, subscription history, invoice status, and pricing model. This makes routing smarter, recovery more precise, and reconciliation automatic.
Chargebee's payment recovery uses ML that reads 200+ signals (like customer tenure, LTV, and payment history) to time retries and tailor responses to specific failure types. Hard declines, insufficient funds, and network errors each receive a different recovery path. Because the recovery layer shares context with billing, it acts on information a standalone retry tool structurally cannot access.
Yes. Chargebee integrates with 40+ production-ready gateways including Stripe, Adyen, Braintree, GoCardless, Razorpay, and Checkout.com. You can connect a new gateway alongside your existing one without code changes, route traffic between them by payment method, currency, or customer segment, and keep all gateways live in parallel. There is no single-gateway lock-in.
Yes. Chargebee Payments is built for the complexity of modern AI and SaaS pricing: credits, usage metering, seat licenses, and hybrid combinations. It handles the payment side of these models natively, without a separate metering contract or a billing stack rebuild. More payment moments per customer cycle, common in usage-based billing, are handled with the same billing context that informs routing and recovery.
With Chargebee, billing and payments share the same platform, so every payment already knows which invoice it belongs to at the moment it is processed. There is no manual bridging between two separate systems. Finance teams get a reconciled view automatically, which removes the end-of-cycle overhead that typically extends the close when billing and payments run on separate tools.
Smart Routing is a configuration-based layer that maps payment method, currency, or customer segment to the gateway that performs best for each combination. The routing rules are set in Chargebee, not in code, so changes can be made without engineering work. Chargebee Reveal surfaces which routing changes are worth making by benchmarking gateway performance across auth rates, fees, and markets, and quantifying the dollar impact of each adjustment.
Chargebee's Global Payments Network covers 40+ integrated gateways, 30+ payment methods, 150+ countries, and 100+ currencies. When entering a new market, the payment method coverage and gateway integrations are already in place: no new API contracts, no custom middleware. Smart Routing can direct traffic to the gateway best suited for each market from day one, without a migration project or engineering sprint.
Unify billing and payments to add to your top line and bottom line. Scale smart. Leverage gateway coverage across 40+ integrations, smart routing, and cross-gateway intelligence, all built into the billing platform that already knows your customers.
