Recurring billing that keeps collecting after the first charge
Almost nothing goes wrong on payment one. It goes wrong on payment fourteen — an expired card, a price that changed, a country that moved its VAT rate in January. Renewals, upgrades and failed charges are handled here, and each one is filed correctly.
What the billing engine does
- Plans and intervals
- A subscription product carries as many plans as you sell — monthly, annual, or a custom interval — and a customer moves between them without a new checkout.
- Free trials
- Start a plan in trial and let it convert on its own, or end the trial early through the API and take the first payment immediately.
- Proration
- Upgrades and downgrades mid-cycle are worked out to the day, so nobody pays twice for the fortnight they already had.
- Usage-based charges
- Pay-as-you-go pricing, and one-off amounts charged onto a live subscription for overages or an add-on bought halfway through the month.
- Recurring invoices
- Every renewal produces its own payment record, and business customers who gave a tax ID at checkout receive a proper invoice by email.
- Pause instead of cancel
- Collection can be paused while access continues, then resumed on a date you choose — a save that a cancel button cannot make.
How a subscription runs its life
- 01
You price it once
Create the product, add the plans a customer can choose between, and set the interval and any trial. Nothing about this is code unless you want it to be.
- 02
The first payment lands
Tax for the buyer's country is added at checkout, the charge is screened, and the subscription starts. Your server hears about it on the payment_success webhook.
- 03
Renewals go out on their own
Each interval charges the stored method and recalculates the tax, because the rate that applied in January is not necessarily the rate in July. Failures are retried before anything is cancelled.
- 04
The customer changes their mind
Upgrades, downgrades, pauses and cancellations run from the self-serve portal or your own UI through the API, with proration handled either way.
The parts people underestimate
Every renewal is a fresh tax decision
A subscription signed in one tax year keeps charging into the next, and rates, thresholds and registration duties move underneath it. As Merchant of Record we recalculate on each charge and file the result, so an old subscription cannot quietly become a liability.
A failed card is a retry problem, not a churn event
Cards expire, banks decline, limits are hit. Failed charges are retried on a schedule and the customer is told, which recovers revenue that a single attempt would have written off as cancellation.
Most churn happens on a billing page
The branded portal lets someone change a plan, update a card or pause collection without emailing you. Every one of those is a customer who did not cancel because the only visible option was cancelling.
No monthly fee to run any of it
Recurring billing platforms usually charge a subscription for the privilege of collecting subscriptions. This is 5% + 50¢ on money you actually received, and nothing on a month where you received none. Negotiable once you are selling at volume.
What sellers say once they have switched
★★★★★ 4.8/5 from 10 reviews on G2 →
Vadim Finayev “We work with quite a few merchants of record, but none comes close to the support and speed of implementation of Fungies. If you want a payment partner that actually gives you the feeling they want to work with you — rather than leaving you on read for three days or randomly restricting your account — you are in the right place.”
David Elliott “I researched the options and Fungies was the best fit for functionality and customisation within a store builder you can connect to your own domain. Taking a small percentage of sales, instead of charging a subscription for every environment and plugin, is refreshing.”
Elnura Abdimanap Kyzy “The platform is user-friendly, integrates easily with APIs and webhooks, and simplifies managing digital products and subscriptions. We were up and running quickly and support has been responsive throughout. Fungies is clearly tailored to the needs of SaaS businesses.”
Francisco Magnone Rienzi “Fungies has been a great partner — fast setup, competitive pricing, and real humans providing quick answers. They are constantly rolling out new features, and I am excited to see what is next.”
Recurring billing questions
Recurring revenue, and the paperwork that comes with it.
Start charging monthly without building a billing system
Create a subscription product, set a plan, and take a test renewal through the sandbox before a real card is ever charged.