Stripe vs Chargebee

The developer's best friend for payments, until you realize you're paying for every single API call meets subscription billing that doesn't make you want to pull your hair out when you need to handle a prorated refund. Here's our take.

Stripe

Nice Pick

The developer's best friend for payments, until you realize you're paying for every single API call.

Pros

• Best DX
• Great docs
• Reliable
• All payment types
• Incredibly clean and well-documented APIs that just work
• Handles global compliance and fraud detection so you don't have to
• Seamless integration for subscriptions and recurring billing
• Extensive ecosystem with tools like Stripe Connect and Radar

Cons

• 2.9% + 30¢
• Complex for simple needs
• Account holds
• Transaction fees add up fast, especially for high-volume businesses
• Can get pricey for custom or advanced features beyond the basics

Chargebee

Subscription billing that doesn't make you want to pull your hair out when you need to handle a prorated refund.

Pros

• Handles complex subscription logic like upgrades, downgrades, and prorations automatically
• Integrates with over 30 payment gateways and accounting tools out of the box
• Provides detailed revenue analytics and dunning management to reduce churn
• Supports global tax compliance (VAT, GST, etc.) without custom code

Cons

• Pricing tiers can get expensive as you scale, especially with add-ons
• Customization beyond their UI sometimes requires webhook hacking

The Verdict

Use Stripe if: You want best dx and can live with 2.9% + 30¢.

Use Chargebee if: You prioritize handles complex subscription logic like upgrades, downgrades, and prorations automatically over what Stripe offers.

The Bottom Line

Stripe wins

The developer's best friend for payments, until you realize you're paying for every single API call.