--- title: "SaaS payments and billing · Fungies" description: "A payment stack shaped like a SaaS: trials, plans, seats, proration, usage and entitlements — with global tax filed for you on every charge." image: "https://fungies.io/og-image.jpg" canonical: "https://fungies.io/saas-payments/" --- Features · SaaS payments # A payment stack shaped like a SaaS, not a shopping cart Selling software is not selling a product once. It is trials that convert, seats that move, plans that change mid-month, and access that has to switch off the moment a card stops working. That is the shape of what runs here. [Start free](https://app.fungies.io/register) [Book a demo](https://calendly.com/duke-vuh/fungies-io-demo-clone) No upfront costs. No credit card required. Already selling with Fungies [![Leadsin.io](/logos/clients/leadsin.png)](/customer-story/hosted-checkout-solution-for-leadsin-io-a-saas-business "Leadsin.io — read the story")[![RenderAI](/logos/clients/renderai.png) ](/customer-story/helping-renderai-reduce-their-ai-saas-payment-integration-from-days-to-just-a-couple-of-minutes "RenderAI — read the story")[![SuperScale](/logos/clients/superscale.png) ](/customer-story/nimblebits-revenue-boost-with-a-web-store-solution "SuperScale — read the story")[![FreeVocals](/logos/clients/freevocals.png) ](/customer-story/freevocals-com-and-fungies-io-a-seamless-solution-for-digital-e-commerce "FreeVocals — read the story")![STATSCORE](/logos/clients/statscore.png)![SimFabric](/logos/clients/simfabric.png)![BotRix](/logos/clients/botrix.png)![Enhance AI](/logos/clients/enhance-ai.png)![The Humanize AI](/logos/clients/humanize-ai.png)![Kenerate AI](/logos/clients/kenerate.png) ![The Fungies dashboard showing revenue, active subscriptions and recent orders for a software business.](/_astro/dashboard.CJpPF-pD_21IdDC.webp?dpl=dpl_8EZJmbvb3ugYq7WK1KgC21BX19Zp) Revenue, subscriptions and churn in one place, without a reporting job to build. ## What a software business actually needs Trials that convert themselves Start a plan in trial, let it roll into a paid subscription on its own, or end it early through the API when someone upgrades ahead of time. Plans, seats and variants One product carries every tier you sell. Customers move between them mid-cycle and the difference is prorated to the day. Usage and overages Pay-as-you-go pricing for metered products, plus one-off charges onto a live subscription when someone exceeds an allowance. Entitlements from webhooks payment\_success tells your application to open access and the subscription events tell it when to close. Access follows money rather than a nightly job. A billing page you did not build The self-serve portal handles plan changes, card updates, invoices and cancellation under your branding, on your domain. Tax on every renewal VAT, GST and US sales tax are calculated per charge and filed under our registrations, in every market you sell into. ## How a SaaS gets from signup to revenue 1. 01 ### Model your pricing Create the product, add a plan per tier, set intervals and trials. A single product covers monthly and annual without duplicating the catalogue. 2. 02 ### Put checkout in the app An overlay opens over your pricing page so nobody is bounced to another domain mid-upgrade, or link to the hosted page if you would rather not integrate at all. 3. 03 ### Grant access on the event, not the redirect The browser can be closed before it comes back. Your server keys off payment\_success, which is the only signal that money actually arrived. 4. 04 ### Let customers run their own account Upgrades, downgrades, pauses and card updates happen in the portal. You get the webhook and update entitlements; nobody has to open a support ticket. ## Why not just wire up a gateway 01 ### A gateway stops at the charge It does not register you for VAT in the EU, work out whether you crossed an economic-nexus threshold in Texas, or file anything. As Merchant of Record we are the legal seller, so the liability and the paperwork are ours. 02 ### Software sells to everywhere immediately A SaaS has international customers on day one whether or not it planned for them. Local payment methods, local currency and local tax are handled from the first sale, not bolted on after an accountant asks a hard question. 03 ### The billing surface is most of the work Proration, dunning, invoices, a customer portal and a plan-change flow are months of engineering that produce no product value. All of it is here already. 04 ### No platform fee on a slow month 5% + 50¢ on transactions that succeeded. No monthly subscription, no minimum, and nothing charged in a month where you sold nothing. Negotiable once you are selling at volume. ## What sellers say once they have switched [★★★★★ 4.8/5 from 10 reviews on G2 →](https://www.g2.com/products/fungies-io/reviews) [Vadim Finayev Head of Growth, Leadsin.io “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.” Read the story →](/customer-story/hosted-checkout-solution-for-leadsin-io-a-saas-business) [David Elliott Creative Director, Freevocals.com “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.” Read the story →](/customer-story/freevocals-com-and-fungies-io-a-seamless-solution-for-digital-e-commerce) [Elnura Abdimanap Kyzy Founder, TextToVideo.bot “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.” Read the story →](/customer-story/how-fungies-enabled-texttovideo-bot-to-integrate-payments-in-minutes) [Francisco Magnone Rienzi Founder, Renderai.app “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.” Read the story →](/customer-story/helping-renderai-reduce-their-ai-saas-payment-integration-from-days-to-just-a-couple-of-minutes) ## SaaS billing questions ### Can I keep customers inside my own app during upgrade? ### How does my app know someone subscribed? ### Do you support annual plans and mid-year upgrades? ### What about EU VAT and US sales tax? ### Is there an API and a sandbox? Taking payments ## How money reaches you, and what happens on the way. - [Credit Card Processing →](/credit-card-processing) - [Payment Gateway →](/global-payment-gateway) - [Hosted Payment Gateway →](/hosted-payment-gateway) - [B2B Credit Card Processing →](/b2b-credit-card-processing) - [Cross Border Payment →](/cross-border-payment) - [Multi-Channel Payment Solutions →](/multi-channel-payment-solutions) - [Fraud Detection →](/ai-fraud-detection) ## Ship pricing this week instead of building billing this quarter Set up a plan, drop the checkout into your pricing page, and run a full subscription through the sandbox first. [Start free](https://app.fungies.io/register) [Book a demo](https://calendly.com/duke-vuh/fungies-io-demo-clone) No upfront costs. 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Fungies handles global payments, VAT and sales tax, and checkout. Free to start, commission only.","inLanguage":"en","publisher":{"@id":"https://fungies.io/#organization"}},{"@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://fungies.io/"},{"@type":"ListItem","position":2,"name":"SaaS payments and billing","item":"https://fungies.io/saas-payments"}]},{"@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Can I keep customers inside my own app during upgrade?","acceptedAnswer":{"@type":"Answer","text":"Yes. Overlay checkout opens as a modal over your pricing page, so the address bar never changes and someone who closes it is still where they were. Embedded checkout renders inline if a modal is the wrong shape."}},{"@type":"Question","name":"How does my app know someone subscribed?","acceptedAnswer":{"@type":"Answer","text":"Webhooks. Grant access on payment_success, which fires for the first charge and every renewal. Do not fulfil on subscription_created alone — it can arrive while the first payment is still pending."}},{"@type":"Question","name":"Do you support annual plans and mid-year upgrades?","acceptedAnswer":{"@type":"Answer","text":"Yes. Plans can use any interval, and moving between them mid-cycle is prorated. You can preview the next renewal amount through the API before applying a change."}},{"@type":"Question","name":"What about EU VAT and US sales tax?","acceptedAnswer":{"@type":"Answer","text":"Handled. We are registered across the 27 EU member states and file VAT, GST and US sales tax as the seller of record, including the audits. You receive net revenue instead of gross receipts and a liability to work out later."}},{"@type":"Question","name":"Is there an API and a sandbox?","acceptedAnswer":{"@type":"Answer","text":"Yes. A REST API at api.fungies.io/v0 covers products, offers, orders, payments, subscriptions and users, with signed webhooks, a JavaScript SDK, a CLI and an MCP server. Sandbox mode runs the whole flow without charging a real card."}}]}]} ```