ChargeOver automates recurring billing, dunning, and reporting for subscription businesses. Plans start at $229/month with no per-transaction fees.
Researched and fact-checked by Bartu Cavusoglu · Updated October 26, 2026
ChargeOver is a recurring billing and subscription management platform from a company based in Minneapolis. It combines invoicing, payment collection, reminders, and customer management in one system, and it handles both subscriptions and one-time invoices. The company says it has worked on subscription billing for over a decade.
The software is built for businesses that bill customers on a schedule, whether weekly, monthly, or yearly. Its site points to examples such as digital marketing agencies with many products and customers, and aims to cut manual invoice creation and time spent chasing late payments.
After choosing a plan, a team enters customer details and defines the billing cycle. ChargeOver then generates invoices at regular intervals and charges the customer's preferred payment method, sending notifications along the way. A dashboard lets staff monitor transactions, update payment methods, and change schedules.
When a payment fails, the software follows up with the customer and retries the charge. It also watches for expiring cards and tries to retrieve updated details. Customers can set up autopay and manage their own subscriptions in a self-service billing portal that requires no coding.
Invoicing supports one-time and recurring invoices with proration, taxes, and scheduling. Pricing models include flat-rate, volume, tiered, metered, and quantity-based setups, plus add-ons and bundled products. Late fees can be added automatically from custom rules, such as a 10% fee after one day.
Other capabilities include dunning, gateway routing and load balancing, pre-authorizations, multi-currency billing, hosted sign-up pages, branded emails, user roles, and a REST API with webhooks. Reporting offers more than 40 reports, covering A/R aging, churn, MRR and ARR, lifetime value, and a custom report builder.
ChargeOver is recurring billing software that automates subscription invoices, payment collection, reminders, and customer management. It supports weekly, monthly, and yearly billing as well as one-time invoices. The company is based in Minneapolis.
ChargeOver plans start at $229 per month on flat-rate pricing with no annual contracts. Pricing scales with the number of paying customers and is not based on a percentage of invoiced revenue. Higher tier prices are not listed in the sources.
Yes. Signing up gives access to a free sandbox account where all features can be tested, but it is limited to test transactions. A paid plan is required to accept live subscriptions.
No. ChargeOver says it adds no per-transaction or percentage-of-revenue fees. Payment gateway and merchant account fees are separate; the site cites a typical 2.9% + $0.30 per transaction, which varies by provider.
ChargeOver lists QuickBooks Online and Desktop, Xero, HubSpot, Salesforce, Slack, Zapier, Avalara AvaTax, Vertex, SendGrid, Mailgun, and others. The company says it has more than 60 integrations and more than 50 payment gateways.
The pricing page says ChargeOver accepts credit cards, PayPal, and ACH for recurring transactions. Customers can also set up autopay and update their details through a self-service billing portal.
The site says ChargeOver complies with PCI-DSS, uses encryption during transactions, and includes fraud detection tools that monitor suspicious activity. It also lists YubiKey two-factor authentication as an integration.
ChargeOver suits businesses that bill customers on a recurring schedule, including agencies, subscription companies, and finance teams that want to cut manual invoicing. Developers can also use its REST API.