Stripe vs Stripe Billing

The developer's best friend for payments, until you realize you're paying for every single API call meets the billing api that actually makes you want to charge customers, not dread it. 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

Stripe Billing

The billing API that actually makes you want to charge customers, not dread it.

Pros

• Handles complex subscription logic (metered billing, trials, prorations) with minimal code
• Seamless integration with Stripe Payments and other Stripe products
• Built-in invoicing, dunning management, and revenue recognition automation
• Developer-friendly API with clear documentation and predictable webhooks

Cons

• Pricing adds up quickly with transaction fees on top of Stripe Payments fees
• Lock-in effect: migrating away is painful once you're deep in Stripe's ecosystem

The Verdict

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

Use Stripe Billing if: You prioritize handles complex subscription logic (metered billing, trials, prorations) with minimal code 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.