BillingPlatform Accounts Receivable vs Cheddar

BillingPlatform Accounts Receivable automates payment collection, credits, refunds, and past-due account management. It is aimed at mid-market and enterprise organizations with complex subscription, usage-based, or multi-entity billing. Billing options include one-time charges, subscriptions, consumption-based, hybrid, and dynamic models. Payment methods include cards, checks, PayPal, direct debit, lockbox, and hosted payment pages; the platform also supports multiple currencies, 3DSv2, SEPA and ACH forms, and cash separation across legal entities. Teams can schedule dunning or trigger actions at past-due thresholds, including notifications, late fees, and suspensions. Credit workflows can consolidate line-item credits into memos or apply earlier billing adjustments as negative invoice charges. Integrations cover CRM, ERP, tax, payment, provisioning, analytics, and data warehouse systems, with Salesforce and SAP among the named examples. The product also provides a customer billing portal, proration controls, and tax automation. It offers SOAP and REST APIs, bulk-load interfaces, FTP/SFTP integrations, and SAML 2.0 support. Pricing is on request, and a free trial is available.

Cheddar is a monetization platform for product-led growth and usage-based subscription billing, available through web and API. Its API records customer activity as counters called tracked items, and billing rules are applied afterward; the maker says pricing can therefore change without changes to billing code. Cheddar uses plan rules to generate invoices, then processes them with built-in credit-card processing or an external system. Payment options include CheddarPay, compatible processors, PayPal, ACH, and checks. All plans include customer communications, SaaS reporting, revenue optimization, invoice generation, subscription billing, and usage tracking. Monthly plans include up to 500,000 API interactions, with additional interactions costing 25 cents per 1,000. Customizable hosted pages cover subscription signup, payment updates, subscription changes, and cancellations; tracked items and one-time invoices require API use. The REST-like API can be used with any programming language, and the service integrates with Zapier. The Builder Plan is $99 a month plus 30¢ per transaction; the Growth Plan is $599 a month plus 0.5% of revenue.