PayFacile vs Stripe Billing: Do You Really Need to Build Everything Yourself?

Stripe Billing is powerful - but it requires a developer. PayFacile gives you the same Stripe payments, ready to use, without writing code.

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Stripe Billing is the engine. PayFacile is the whole car.

PayFacile
Stripe Billing
Concept
All-in-one platform to sell subscriptions
Recurring billing infrastructure for developers
Usage
Visual interface, ready in 10 minutes
API + technical dashboard, requires a developer
Website
Included (visual editor, custom domain)
Not included — you must build your own site
Customer portal
Included (Portal — subscription, invoices, payment)
Customer Portal available but requires technical integration
Invoicing
Automatic (compliant invoices, VAT, dunning)
Invoicing included, but requires technical setup
Emails & automations
Built-in workflows (triggers, filters, sending)
Basic transactional emails (retries, reminders) — no marketing or advanced workflows
SEPA / Direct debit
Yes, via GoCardless (native)
Yes, via Stripe (configuration required)
Payment methods
Stripe + GoCardless + Braintree
Stripe only
Skills required
None
Developer or technical agency

Stripe Billing is "free." But building a business on it isn't.

Stripe Billing charges 0.7% of recurring billing volume — no fixed monthly fee. Sounds attractive. But to run an actual business, you still need to build a website, integrate payments, connect an email tool, manage invoicing, and maintain all of it. Alone or with a developer.

Stripe Billing
PayFacile
Recurring billing
0.7% of volume (Stripe Billing)
Included (1% Business / 0.5% Enterprise)
Payment processing
1.5% + €0.25 (Stripe, Europe)
Same Stripe fees (PayFacile uses Stripe)
Website
$14–39/mo (Webflow, Squarespace…) or developer
Included
Email / automation
$29+/mo (Mailchimp, ConvertKit…)
Included
Developer / maintenance
€500–5,000+/project
€0
Total
0.7% + $50–100+/mo + dev costs
€24–48/mo, everything included

Stripe Billing is powerful — but it's a building block, not a solution. With PayFacile, you get the complete solution.

Everything Stripe Billing doesn't do — or makes you build.

A Ready-Made Website

Create your site in minutes with our visual editor. Custom domain, white label. Stripe Billing offers no website creation tools.

Workflows Without Zapier

Send automated emails, chase failed payments, segment customers — directly from PayFacile. With Stripe Billing, you need to connect SendGrid, Zapier, or another tool.

A Turnkey Customer Portal

Your customers manage their own subscription, download invoices, update their payment method. Stripe offers a Customer Portal, but integrating it requires development work.

Multi-Gateway Payments

PayFacile natively connects Stripe, GoCardless, and Braintree. Stripe Billing locks you into the Stripe ecosystem — no alternative if you need a different processor.

Gated Content & Online Courses

Sell courses, digital files, members-only content — all built in. Stripe Billing doesn't handle content.

Zero Technical Skills Required

Sign up, configure, make your first sale — all from a visual interface. No code, no API, no terminal.

Stripe Billing is built for technical teams. And that's great.

If you have a developer (or a technical team), an existing website, and you're looking for flexible, powerful billing infrastructure — Stripe Billing is an excellent choice. It's the gold standard for SaaS startups and product teams.

But if you're an entrepreneur, you don't have a developer or a website, and you just want to sell subscriptions — PayFacile is the answer. We use Stripe behind the scenes for payments, and we add everything that's missing: the website, the portal, the automations, the invoicing. Stripe is the engine. PayFacile is the car.

Frequently asked questions

Yes. PayFacile uses Stripe to process card payments. You get Stripe's reliability, with a complete platform on top.

Yes, in a few clicks. Your existing subscriptions can be imported.

Stripe Billing charges 0.7% of recurring billing volume, on top of payment processing fees (1.5% + €0.25 in Europe). There's no fixed monthly fee, but you need to build everything else yourself — or pay a developer.

Stripe is payment infrastructure for developers. PayFacile is an all-in-one platform for entrepreneurs who want to sell subscriptions without code. We use Stripe (and GoCardless, Braintree) behind the scenes.

Sell subscriptions, simply.

The power of Stripe, without the complexity. Create your account in 2 minutes.

No credit card required for testing.

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No credit card. No lock-in. Cancel anytime.