Maxio is Chargify’s billing bolted onto SaaS Optics’ analytics, and you can feel the seams. PaymentKit puts subscription billing, multi-processor payment orchestration, and real-time revenue metrics in one platform, running on the processors you already control. No patchwork, no bolt-ons.

One platform · Your processors · Real-time metrics

22%

Average reduction in processing fees

Average lift in failed-payment recovery

12.4%

Annual orchestrated volume

2.5B

Currencies supported

140+

Why teams are leaving Maxio (Chargify)

Maxio was formed when Chargify and SaaS Optics merged in 2022. It’s powerful for finance teams, but for anyone who just wants clean billing and payments, the joins show.

Two legacy products

Billing came from Chargify, analytics from SaaS Optics. You inherit a two-product knowledge base, add-ons you switch on separately, and implementations teams routinely describe as slow and hands-on.

No processor choice or routing control

Maxio bills on top of a single gateway.There’s no smart routing, no automatic fail over, and no cross-processor decline recovery, so a processor outage or a dip in approvals is entirely your problem.

Revenue data behind manual exports

Getting numbers to the wider team often means scheduled exports and spreadsheets. Real-time, self-serve metrics that anyone can open aren’t the default.

A straight product-by-product comparison, including where Maxio’s finance depth genuinely wins.

PaymentKit vs Maxio

Billing

Maxio

Full subscription lifecycle support

Trials, add-ons, coupons, upgrades, and prorations.

Paddle

Usage-based & hybrid pricing

Flat, tiered, and metered models in a single billing flow.

Paddle

Developer test clocks

Fast-forward time to simulate complex billing cycles instantly.

Paddle

Checkout and customer portals

Hosted pages for payments and account management.

Paddle

Checkout and customer portals

Billing and analytics in a single layer, not two stitched products.

Paddle

Self-serve setup, live in days

No implementation packages or paid setup hours to launch.

Paddle

Flexible pricing structures and automated subscriber life cycles in one platform,independent of your payment processors.

Payment Orchestration

Maxio

Smart payment routing

Route traffic to optimal PSPs based on cost and approval rates.

Paddle

Multi-processor support

Connect Stripe, Adyen, PayPal, and more at the same time.

Paddle

Automatic failover

Retry declines on a second processor; no single-gateway outage risk.

Paddle

Agnostic vaulting

Total token portability; never be locked in to a PSP again.

Paddle

Processor-agnostic fraud controls

One set of fraud rules and SCA logic across every processor.

Paddle

Intelligent multi-channel dunning

Adaptive retry logic, recovery emails, and more.

Paddle

Route, retry, and optimize payments across every PSP from a single, unified integration — Maxio bills on top of one gateway.

Revenue Metrics

Maxio

Real-time, self-serve dashboards

Live MRR, churn, and LTV for the whole team — no scheduled exports.

Paddle

PSP performance benchmarking

Compare processor success rates to tune your routing.

Paddle

Trial conversion cohorts

Conversion rates grouped by sign-up date and trial length.

Paddle

Real-time anomaly alerting

Instant notifications when metrics deviate from the norm.

Paddle

GAAP/IFRS revenue recognition (ASC-606)

Audit-grade RevRec schedules and reporting.

Paddle

Deep financial ops (A/R, expense recognition)

Accounts receivable and expense workflows for finance teams.

Paddle

A single source of truth for revenue data across every processor. Maxio keeps the edge on audit-grade RevRec and financial ops.

Maxio’s real strength is audit-grade revenue recognition and financial operations. If ASC-606 RevRec and deep A/R are your priority, it’s a strong tool. PaymentKit focuses on billing, multi-processor payments, and real-time metrics on infrastructure you own. Entry pricing per each platform’s published rates: Maxio from$599/mo (to $100k monthly billings), PaymentKit $99/mo + 0.65%.

What PaymentKit does that Maxio can’t

Route payments across multiple processors

Connect Stripe, Adyen, Authorize.net, and PayPal, send each charge to the processor most likely to approve it, and fail over automatically if one goes down. Maxio simply bills on one gateway.

Billing and revenue metrics without the patchwork

Recurring billing and real-time MRR, churn,and cohort metrics live in the same platform, open to your whole team. No second product, no scheduled exports to see how you’re doing.

Fraud prevention and dunning in one layer

Smart retries, cross-processor decline recovery, and one set of fraud rules that stay consistent across every processor, all built in rather than bolted on.

Why switch to PaymentKit?

Top 4 reasons

1

Better approval rates and performance optimization

Maxio bills on top of a single gateway. PaymentKit offers multi-processor support.

Enhanced payment infrastructure flexibility means more opportunities to boost revenue and scale.

Deliver higher payment acceptance rates through optimized, AI-driven routing.

Leverage the power of redundancy with multi-processor access.

Ensure the lowest processing fees possible with intelligent PSP selection.

2

Real-time, full data access via a centralized dashboard

Get a big-picture and in-depth view of your metrics without scheduled exports and spreadsheets.

Dive into robust reporting and data-driven insights for an accurate assessment of your business health and trajectory against industry benchmarks.

Comprehensive reporting on growth, conversion, retention, and attribution data.

Convenient access to unified reporting across all payment processors.

Actionable insights that help you improve customer engagement and increase recurring revenue.

3

Personalized and proactive recovery and retention strategy

Deliver a friction less resolution for failed payments to reduce churn rates.

Go beyond reactive damage control and maximize every customer interaction.

Automated email and retry dunning flow for a personalized,more efficient payment recovery.

AI-tailored, proactive retention strategy that predicts and prevents churn.

Direct customers to a secure customer portal to update payment methods.

4

One unified platform, not two stitched products

Maxio is Chargify plus SaaS Optics sharing a name. PaymentKit was built as a single layer.

Billing, payment routing, metrics, and retention live in one dash board with one knowledge base — nothing to bolt on and switch on separately.

All the tools for billing, analytics, payment routing, and retention within reach from a single dashboard.

Accurate and timely reports that don’t rely on complicated integrations.

Unrestricted migrations and token portability.

Most teams are live within days. Because you keep your own processors, there’s no new gateway approval to wait on.

Switch from Maxio (Chargify) in 4steps

Configure your account, branding, and billing rules

Set up your workspace, checkout, customer portal, and billing logic under your own brand.

01

Rebuild your product catalog and subscription tiers

02

Recreate or import your plans and prices. Flat,tiered, hybrid, and usage-based are all supported.

Link the processors you already use and set routing and fail over rules across them.

Connect your existing payment processors

03

Verify end to end with a sandbox and test clocks,then move your live traffic over.

Run a test charge and go live

04

Frequently Asked Questions