Replace Stripe Billing with software you own.
Subscription billing taking 2.9% + 30¢ of every transaction. We build a custom alternative in 8-14 weeks for $30,000–$55,000.
Stripe Billing per seat/mo
One-time build
Savings over 3 years
Build time
The Problem
Why teams leave Stripe Billing
2.9% + 30¢ per transaction plus billing fees
Revenue-based pricing means costs grow with your business
Complex billing scenarios require custom development anyway
Dunning and retry logic limited without Revenue Recovery
Reporting requires separate analytics tools
What We Build Instead
Your custom finance & erp tool
Custom subscription management with flat-rate processing
Flexible billing models (usage, tiered, hybrid)
Dunning and payment retry automation
Revenue recognition and reporting
Customer portal for self-service billing
Multi-gateway payment processing for lower fees
The Math
Stripe Billing vs. custom build
Based on 5 seats at $50/seat/month, with ~10% annual SaaS price increases.
Keep paying Stripe Billing
Build with 86 SaaS
3-year savings with 5 seats
-$51,725
-522% less than Stripe Billing
Pricing Breakdown
Stripe Billing tier pricing vs. one-time custom build
Compare what you pay per seat across Stripe Billing's tiers against a single investment in software you own forever.
| Tier | Monthly/Seat | Annual/Seat | Key Features |
|---|---|---|---|
| Starter | Free | Free | 2.9% + 30c processing, Basic billing, Invoicing, Customer portal |
| Scale | $50/mo | $42/mo | 0.5% billing fee, Revenue recovery, Multi-currency, Quote management |
| Enterprise | $100/mo | $85/mo | 0.8% billing fee, Revenue recognition, Custom pricing models, Dedicated support |
| Custom Build by 86 SaaS | $30,000–$55,000 one-time | $0/seat | Unlimited users, full ownership, no recurring fees |
Migration Timeline
From Stripe Billing to ownership — week by week
A structured migration plan to move off Stripe Billing in 8-14 weeks with zero downtime.
Discovery & Audit
1-2 weeksAudit subscription models, payment flows, revenue recognition, and reporting needs
Architecture & Design
2 weeksDesign billing engine with multi-gateway support and flexible pricing models
Core Development
4-8 weeksBuild subscription management, payment processing, dunning, invoicing, and reporting
Data Migration & Testing
1-2 weeksMigrate subscriber data, validate billing accuracy, and test payment flows
Deployment & Training
1-2 weeksDeploy billing platform and train finance team on new system
Total build time
8-14 weeks
Feature Comparison
What you keep, what you skip, and why
A transparent comparison of Stripe Billing features vs. your custom-built alternative.
| Feature | Stripe Billing | Custom Build | Notes |
|---|---|---|---|
| Subscription Management | |||
| Payment Processing | Multi-gateway support for lower fees | ||
| Invoicing | |||
| Dunning & Recovery | |||
| Revenue Recognition | |||
| Usage-based Billing | |||
| Customer Portal | |||
| Multi-currency | |||
| Stripe Ecosystem Lock-in | Use any payment processor — no gateway lock-in | ||
| Zero Transaction Fees | Flat monthly cost — no percentage of revenue |
Your custom build focuses on the features your team actually uses — typically 15-20% of what Stripe Billing offers — built exactly for your workflow.
How It Works
From Stripe Billing to ownership in 8-14 weeks
Free Audit
We analyze your Stripe Billing usage and identify exactly which features your team actually uses.
Scope & Build
We build your custom finance & erp tool with only the features you need. 8-14 weeks.
Deploy & Migrate
We deploy to your infrastructure, migrate your data from Stripe Billing, and train your team.
You Own It
Full source code, documentation, and optional maintenance retainer. No vendor lock-in. Ever.