Flexible payment processing for complex business models

AIThis description was written by a model from public signals. The facts behind it are listed under Evidence.

Problem

Existing payment processors like Stripe and Braintree have inflexible subscription systems, unreliable payment components and 3DSecure implementation, insufficient support for regional payment methods, and non-standard invoicing that doesn't fit tax requirements or B2B workflows. Companies waste time implementing workarounds and complex logic to meet their payment and billing needs.

Solution concept

A payment processor built with genuinely flexible subscription and billing logic that works reliably across regional payment methods, supports tax-aware invoicing, B2B proforma invoices, and integrates cleanly without forcing users to reimplement payment handling in their own systems.

Who has it

Software companies with subscription or complex billing models, especially those serving international markets or B2B customers requiring proforma invoicing and tax-compliant workflows.

How they handle it today

Today they use payment processors like Stripe Billing or Braintree but build custom subscription systems alongside them to work around limitations, or implement complex application logic to handle regional payment methods, tax-compliant invoicing, and B2B billing requirements.

Why now

Stripe Billing has moved from free to 0.5% to 1% of revenue, raising concerns about lock-in and future pricing increases. Growing international expansion and B2B SaaS demand increases the cost of working around inflexible processors.

How it could charge

Transaction fees (lower or more predictable than Stripe's 0.5–1% billing percentage), tiered pricing based on payment volume, or separate charges for B2B billing and compliance features.