ChargeOver

ChargeOver is a recurring billing and invoicing platform founded in 2011 by Keith Palmer and Ryan Bantz, run from 1000 Shelard Parkway in Minneapolis. It is a small operation. Tracxn put the headcount at 17 in May 2026, and the company's own team page lists roughly a dozen people. The product covers subscription lifecycle emails, automated invoicing, dunning and card-expiry reminders, a self-service billing portal, more than 40 reports and a developer API. Native connections go out to QuickBooks, Xero, HubSpot and Salesforce, and billing models run from fixed-price subscriptions through to metered, quantity-based and add-on configurations.

Pricing and how it works

ChargeOver publishes one figure: plans start at $229 per month, on flat monthly terms with no annual contract or commitment. Capterra and Software Advice both record that tier as the Standard plan. The pricing page names no tiers and shows no ladder, so the only public number is the floor. ITQlick, updated in February 2026, still lists an older structure of a $115 Starter, a $229 Growth and a quoted Enterprise, which the vendor no longer shows. What ChargeOver does spell out is the shape of the meter. You are charged on monthly active customers, defined as anyone with an active subscription or who has paid or owes you for the current period. Crossing the customer count in your plan moves you to the next tier automatically, and it moves you back down again when the count falls. No per-transaction fees, no cut of invoiced revenue: that is the company's main pricing argument against percentage-billed rivals. Signup gives you a free sandbox account, limited to test transactions until you upgrade to go live.

Who it is for

ChargeOver suits small and mid-sized B2B businesses that already keep their books in QuickBooks or Xero and want invoicing and collections automated without handing over a slice of revenue. Capterra reviewers rate it 4.7 out of 5 across 86 reviews; 83 percent of those reviewers are small businesses, mostly in software, marketing and IT services. Because the meter counts customers rather than dollars, it gets cheaper in relative terms as your average invoice grows, and dearer if you bill a lot of small accounts.

What ChargeOver is not

ChargeOver is not a merchant account and not a card acquirer. It connects to more than 50 gateways, among them Authorize.net, Stripe, Adyen, Braintree, PayPal, Payflow Pro, QuickBooks Payments, Moneris, Forte, BlueSnap, eWay, Pin Payments and Windcave. Your card rate is whatever that gateway and its acquirer charge. ChargeOver's own pricing page puts the typical figure at 2.9% + $0.30 per transaction and says plainly that gateway and merchant account fees are not included in any plan. The platform takes card, PayPal and ACH for recurring transactions, is certified as a PCI-DSS compliant Level 1 Service Provider, and supports multiple currencies inside a single account.