A Maxio alternative for teams who’ve outgrown Chargify
One platform · Your processors · Real-time metrics
- 22%Average reduction in processing fees
- 12.4%Average lift in failed-payment recovery
- 2.5BAnnual orchestrated volume
- 140+Currencies supported
The problem
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 failover, 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.
Feature comparison · Billing
PaymentKit vs Maxio
A straight product-by-product comparison, including where Maxio’s finance depth genuinely wins. Flexible pricing structures and automated subscriber life cycles in one platform, independent of your payment processors.
| Feature | Maxio |  |
|---|---|---|
| Full subscription lifecycle supportTrials, add-ons, coupons, upgrades, and prorations. | Included | Included |
| Usage-based & hybrid pricingFlat, tiered, and metered models in a single billing flow. | Included | Included |
| Developer test clocksFast-forward time to simulate complex billing cycles instantly. | Not included | Included |
| Checkout and customer portalsHosted pages for payments and account management. | Included | Included |
| Billing and analytics in a single layer, not two stitched products | Not included | Included |
| Self-serve setup, live in daysNo implementation packages or paid setup hours to launch. | Not included | Included |
Payment Orchestration
Route, retry, and optimize payments across every PSP from a single, unified integration. Maxio bills on top of one gateway.
| Feature | Maxio | |
|---|---|---|
| Smart payment routingRoute traffic to optimal PSPs based on cost and approval rates. | Not included | Included |
| Multi-processor supportConnect Stripe, Adyen, PayPal, and more at the same time. | Not included | Included |
| Automatic failoverRetry declines on a second processor; no single-gateway outage risk. | Not included | Included |
| Agnostic vaultingTotal token portability; never be locked in to a PSP again. | Not included | Included |
| Processor-agnostic fraud controlsOne set of fraud rules and SCA logic across every processor. | Not included | Included |
| Intelligent multi-channel dunningAdaptive retry logic, recovery emails, and more. | Included | Included |
Revenue Metrics
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%.
| Feature | Maxio | |
|---|---|---|
| Real-time, self-serve dashboardsLive MRR, churn, and LTV for the whole team, no scheduled exports. | Not included | Included |
| PSP performance benchmarkingCompare processor success rates to tune your routing. | Not included | Included |
| Trial conversion cohortsConversion rates grouped by sign-up date and trial length. | Included | Included |
| Real-time anomaly alertingInstant notifications when metrics deviate from the norm. | Not included | Included |
| GAAP/IFRS revenue recognition (ASC-606)Audit-grade RevRec schedules and reporting. | Included | Included |
| Deep financial ops (A/R, expense recognition)Accounts receivable and expense workflows for finance teams. | Included | Included |
Beyond Maxio
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.
Top 4 reasons
Why switch to PaymentKit?
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.
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.
Personalized and proactive recovery and retention strategy
Deliver a frictionless 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.
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 dashboard 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.
Deliver higher payment acceptance rates through optimized, AI-driven routing.Migration
Switch from Maxio (Chargify) in 4 steps
Most teams are live within days. Because you keep your own processors, there’s no new gateway approval to wait on.
01 · Configure your account, branding, and billing rules
Set up your workspace, checkout, customer portal, and billing logic under your own brand.
02 · Rebuild your product catalog and subscription tiers
Recreate or import your plans and prices. Flat, tiered, hybrid, and usage-based are all supported.
03 · Connect your existing payment processors
Link the processors you already use and set routing and failover rules across them.
04 · Run a test charge and go live
Verify end to end with a sandbox and test clocks, then move your live traffic over.
“Platform lock-in was our biggest risk. PaymentKit’s independent vaulting gave us total portability over our subscription data. We migrated seamlessly and boosted checkout conversion by 5%.”
Read case study →