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.
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
- 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.
- 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.
- 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.
- 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
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.
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.
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.
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 →
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.”
SaaS billing questions
How money reaches you, and what happens on the way.
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.