ChargeOver
ChargeOver is a Minneapolis-based SaaS platform that automates recurring billing, invoicing, dunning, and payment collection for subscription-based SMB and mid-market businesses globally, integrating with 60+ tools and 50+ payment gateways under PCI DSS Level 1 compliance.
- Company typePrivate
- Founded2013
- HeadquartersMinneapolis, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What ChargeOver does
ChargeOver is a Minneapolis-based SaaS company (legally RykeLabs LLC, founded circa 2011–2013) that provides a cloud-based subscription billing and recurring payment platform for businesses with subscription or recurring revenue models. The platform automates invoice generation, payment collection, dunning and reminder sequences, and customer account management across weekly, monthly, and annual billing cycles, and exposes its functionality through a REST API with official SDKs for PHP, C#, Java, Python, and Ruby, webhooks, and a ChargeOver.js client-side library. The product integrates with more than 60 third-party tools (QuickBooks Online and Desktop, Xero, Salesforce, HubSpot, Slack, Zendesk, Mailchimp, Zapier) and supports more than 50 payment gateways with multi-currency capability, allowing customers to localize billing across geographies. Security and compliance are positioned as a core feature, with PCI DSS Level 1 service provider status, AES-256 encryption at rest, PBKDF2 password hashing, weekly ASV scans, a bug bounty program, and a primary data center at Flexential/ViaWest in Minneapolis that maintains SOC 1/2/3 Type II, ISO 27001, HIPAA, HITRUST CSF, NIST 800-53, and ITAR certifications, with GDPR compliance extended to EMEA via Standard Contractual Clauses.
ChargeOver operates a hybrid go-to-market combining a product-led growth free trial at app.chargeover.com/signup with a sales-assisted enterprise motion via Schedule a Demo and Request a Demo CTAs, targeting SaaS and subscription businesses, digital marketing agencies, B2B SaaS companies, and professional services firms. Revenue is generated through tiered monthly or annual subscription fees for the platform, with auto-renewal and a 30-day cancellation policy for non-contract customers, and a self-service customer portal enables subscribers to manage accounts in compliance with FTC requirements. Distribution is augmented by integration partnerships with accounting and CRM platforms and a 'Billing Workflow Scorecard' top-of-funnel assessment tool. Named customers include Acuity, Thinkify, Paiger, 1800 Accountant, Convert-it, and Lure, spanning enterprise, mid-market, and SMB tiers. The company is founder-led by co-founders Ryan Bantz (CEO) and Keith Palmer (CTO), has no disclosed external funding, and operates with approximately 14 named staff across engineering, customer success, sales, and growth marketing. Multiple G2 and Capterra recognitions (High Performer, Easiest Admin, Easiest Setup, Most Implementable across Mid-Market, SMB, and Americas categories; 4.7/5 ratings on both platforms) provide third-party validation.
ChargeOver firmographics
Firmographics- Name
- ChargeOver
- Legal name
- RykeLabs LLC
- Website
- https://chargeover.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- ChargeOver is a Minneapolis-based SaaS platform that automates recurring billing, invoicing, dunning, and payment collection for subscription-based SMB and mid-market businesses globally, integrating with 60+ tools and 50+ payment gateways under PCI DSS Level 1 compliance.
- Ownership category
- akta.pro rank
ChargeOver industry classification
Industry- Product category
- Subscription Billing Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)
- akta.pro secondary industry
- Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)
Keywords
Where ChargeOver is headquartered
LocationHeadquarters
- HQ city
- Minneapolis
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
ChargeOver business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Subscription Software: Monthly or annual subscription fees for access to the ChargeOver billing platform, with tiered pricing based on features and usage. Free trial available before conversion to paid plans.
- Payment Processing: Revenue derived from payment processing through integrated payment gateways; platform connects to 50+ payment processors for transaction handling.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Free trial followed by paid subscription plans |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
ChargeOver product offering
Product offeringCore offering
ChargeOver is a cloud-based subscription billing and recurring payment software platform that automates invoicing, payment collection, dunning, and customer subscription management for businesses with recurring revenue models. The platform integrates with 50+ payment gateways and 60+ business tools, providing PCI DSS Level 1 secure payment processing, multi-currency support, and a REST API for custom integrations. It serves SaaS companies, digital marketing agencies, and professional services firms through a self-serve free trial and sales-assisted demos.
Product overview
ChargeOver is a subscription billing and recurring payment software platform offering a unified solution for automating subscription management, invoicing, payment collection, and customer relationship management. The core product consists of the ChargeOver Subscription Billing Platform complemented by feature modules including Automated Workflows, Invoicing, Dunning & Reminders, Customer Portal, Real-Time Analytics and Reporting, Payment Gateway Integration, and Multi-Currency Support. The Developer API enables custom integrations and extensions. The platform integrates with over 60 tools including HubSpot, QuickBooks, Salesforce, Xero, Slack, Zendesk, Mailchimp, and Zapier, serving businesses with recurring revenue models across various industries.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- 80% reduction in billing time
- +2 more outcomes
Companies that use ChargeOver
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
ChargeOver technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature6 records
ChargeOver partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- QuickBookscoreNative integration with QuickBooks Online and QuickBooks Desktop for synchronized invoices, payment status, customer records, and tax breakdowns. Allows billing forecasts built within QuickBooks using ChargeOver subscription data.
- XerocoreIntegration with Xero accounting software for synchronized billing and financial data management.
- SalesforcecoreNative Salesforce integration for CRM synchronization with billing data and customer account management.
- HubSpotcoreIntegration with HubSpot for CRM synchronization and marketing automation connectivity with billing workflows.
- ZapiercoreZapier integration enabling automated workflows between ChargeOver and 5,000+ applications through no-code connectivity.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
ChargeOver competitors and assessment
Company assessmentDirect peers
- Recurly: Recurly provides subscription management and billing optimization for DTC and B2B subscription businesses, including recurring billing, churn management, and payment gateway integrations. Directly competes with ChargeOver for mid-market SaaS and subscription customers.
- FastSpring: FastSpring is a subscription commerce and merchant-of-record platform tailored to SaaS and digital product companies, providing global payments, subscriptions, and tax handling. Directly comparable to ChargeOver as a subscription billing solution for software sellers.
- Paddle: Paddle is a merchant-of-record payment platform designed for SaaS companies, handling subscription billing, global tax compliance, and fraud prevention. It directly competes with ChargeOver by offering end-to-end billing and payment infrastructure for software businesses.
- BillingPlatform: BillingPlatform is an enterprise billing automation platform supporting subscription, usage-based, and complex billing models across industries. It competes with ChargeOver in the recurring and subscription billing space, primarily serving enterprise and mid-market customers.
- Chargebee: Chargebee is a leading subscription billing and revenue management platform serving SaaS and subscription businesses with automated invoicing, dunning, and revenue recognition. It is a direct competitor to ChargeOver in the mid-market subscription billing category.
- Maxio: Maxio (formed from the merger of SaaSOptics and Fusebill) provides SaaS billing and financial operations for B2B SaaS companies, combining subscription billing with revenue recognition and SaaS metrics. Directly competes with ChargeOver in the B2B SaaS billing segment.
Broad incumbents
- Zuora: Zuora is an enterprise subscription management platform offering billing, commerce, and finance solutions for large subscription businesses. It is an incumbent in the broader subscription billing category where ChargeOver also operates, though primarily at the enterprise tier.
- 2Checkout (Verifone): 2Checkout, now part of Verifone, is a global digital commerce platform offering subscription billing, global payment processing, and tax compliance for software and SaaS businesses. It is a broad incumbent competing in the recurring billing and subscription commerce space.
- Stripe Billing: Stripe Billing is the subscription billing module within Stripe's broader payments platform, offering recurring billing, usage-based pricing, and tax management. It competes broadly with ChargeOver by bundling subscription billing into Stripe's dominant payment processing ecosystem.
Emerging players
- Aria Systems: Aria Systems provides cloud-based subscription billing and customer management software for enterprises with complex billing requirements. It targets a similar subscription billing use case as ChargeOver, though typically at the upper end of the mid-market and enterprise tiers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
ChargeOver social profiles
Digital presenceChargeOver compliance and trust
Trust signalCompliance10 records
ChargeOver financial estimates
Financial estimateRevenue estimate
Valuation estimate
ChargeOver leadership team
Management profileNumber of profiles
Profiles13 records
ChargeOver funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ChargeOver M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ChargeOver
What does ChargeOver do?
ChargeOver is a cloud-based subscription billing and recurring payment software platform that automates invoicing, payment collection, dunning, and customer subscription management for businesses with recurring revenue models. The platform integrates with 50+ payment gateways and 60+ business tools, providing PCI DSS Level 1 secure payment processing, multi-currency support, and a REST API for custom integrations. It serves SaaS companies, digital marketing agencies, and professional services firms through a self-serve free trial and sales-assisted demos.
Is ChargeOver a public or private company?
ChargeOver is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ChargeOver founded?
ChargeOver was founded in 2013. It employs 1 to 10 people.
Where is ChargeOver based?
ChargeOver is headquartered in Minneapolis, United States, in the North America region.
How does ChargeOver make money?
Two revenue lines are on record. Subscription Software is the primary driver. The others are payment Processing.
Who are ChargeOver's main competitors?
Direct peers on record are Recurly, FastSpring, Paddle, BillingPlatform, Chargebee and Maxio. Broad incumbents are Zuora, 2Checkout (Verifone) and Stripe Billing. Aria Systems is listed as an emerging player.
Does ChargeOver have an API?
Yes. ChargeOver provides a REST API that enables developers to build custom integrations and automate billing workflows. The API supports subscription management, invoice handling, payment processing, and customer data operations. The platform also offers ChargeOver.js for client-side JavaScript integration, webhooks for real-time event notifications, and REST Hooks specification support. Multiple SDK libraries are available for PHP, C#, Java, Python, and Ruby. Developer documentation is at developer.chargeover.com/apidocs/rest.
What industry is ChargeOver in?
ChargeOver's product category is Subscription Billing Software. Its primary akta.pro industry code is CRAFALAH, Recurring Billing, Subscriptions & Tokenized Payments, with a secondary code of FSAKAJAJ, Payment Processing for Collections (Lockbox, ACH, Card, IVR). Its NAICS code is 52232 and its SIC code is 7370.