Billing & Invoicing
Maxio
Provenance unknown Report an errorPanel rating · 6 judges · How to read the stars
Category median
Sovereignty: 1 of 6 dimensions proven
0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.
by Maxio (formerly SaaSOptics / Chargify) · www.maxio.com
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Maxio at a glance
- Vendor
- Maxio (formerly SaaSOptics / Chargify)
- Headquarters
- Incorporated in United States source, captured 3 Nov 2026
- Data hosting
- Not stated on the vendor’s pages as of 3 Nov 2026
- Free plan
- Not stated on the vendor’s pages as of 3 Nov 2026
- Panel verdict
- The AI panel rates Maxio 3/5, the mean of 6 judges. Maxio, a US subscription-billing and revenue-management platform formerly SaaSOptics and Chargify, scored strongest on its subscription engine — usage-based billing, four proration scheme types, four trial variants, minimum commitments and self-serve billing portals — and on collections and dunning, with payment across 20+ named gateways plus a built-in option and deeply configurable, sandbox-testable dunning. how scores are made
- As of
- Vendor pages captured 3 Nov 2026; evaluated by the panel 3 Nov 2026. all sources
Read this page as one judge. Each weighs the same scores by what they care about.
The panel's verdict
Maxio, a US subscription-billing and revenue-management platform formerly SaaSOptics and Chargify, scored strongest on its subscription engine — usage-based billing, four proration scheme types, four trial variants, minimum commitments and self-serve billing portals — and on collections and dunning, with payment across 20+ named gateways plus a built-in option and deeply configurable, sandbox-testable dunning. Revenue and handoff spans 6-7: MRR, ARR, churn, cohort and net-dollar-retention reporting is documented, but no accounting tool is named and we found no public information on a DATEV export or a booking-ready journal. The lowest scores fell together: invoicing compliance and sovereignty both sit at 4. Corrections use credit notes and voids, yet we found no public information on mandatory invoice content, archiving or structured e-invoices such as XRechnung, ZUGFeRD or Peppol; the Delaware contracting entity stores and processes information in the United States unless otherwise agreed, with EU hosting unconfirmed. Tax handling runs 6-7, tempered by the managed sales-tax service retiring November 20, 2026. Criterion scores vary by one point at most, so no genuine split emerged; no public pricing appears.
Speaks for it
- Subscription engine scores run 7-8 on usage-based billing, minimum commitments, per-subsidiary catalogs and self-serve billing portals.
- Payments run gateway-agnostically across 20+ named gateways plus a built-in option, with dunning schedules per collection method and sandbox failure simulation.
- Corrections arrive as credit notes and voids rather than edits, with invoice and credit-note numbers sharing one running sequence.
- Finance reporting covers revenue, deferred revenue and A/R, with MRR, ARR, churn, cohorts, net dollar retention and momentum waterfalls and GAAP and IFRS compliance stated on the vendor page.
- A published data processing agreement embeds EU Standard Contractual Clauses under Irish law, names the Data Protection Commission of Ireland as supervisory authority, and a subprocessor list is published with functions and locations.
Held against it
- Invoicing compliance holds at 4: we found no public information on structured e-invoices such as XRechnung, ZUGFeRD or Peppol, on mandatory invoice content, or on retention or GoBD-compliant archiving.
- The managed sales-tax service retires on November 20, 2026, leaving bring-your-own Avalara or engines largely in beta.
- Sovereignty scores 4: the contracting entity is a Delaware LLC, information is stored and processed in the United States unless otherwise agreed with customers, and EU hosting is unconfirmed on the captured pages.
- The ledger handoff drew the thin end of scoring — accounting appears only as a count of 6,000+ integrations with no named tool, and we found no public information on a DATEV export or a booking-ready journal.
- No public pricing appears on any captured page — no tiers, fees or minimum terms, so annual cost cannot be computed.
Best for
- You run usage-based or hybrid SaaS pricing and need per-product proration control — subscription engine scores run 7-8.
- Your recovery process depends on configurable dunning across many gateways — collections and dunning scores run 6-7, with 20+ gateways named and sandbox failure simulation.
- You want subscription analytics in-house — MRR, ARR, churn, cohort and net-dollar-retention reporting with momentum waterfalls and projections is documented, and revenue and handoff scores run 6-7.
Avoid if
- You need structured e-invoices such as XRechnung, ZUGFeRD or Peppol for EU or public-sector customers — invoicing compliance scored 4 and we found no public information on these formats.
- You rely on managed tax automation past November 20, 2026 — the service retires on that date and the successor engines are largely in beta.
- Your contracts require EU-resident billing data — the captured pages state information is stored and processed in the United States unless otherwise agreed, and EU hosting is unconfirmed.
- Your accounting close depends on a DATEV export or a named accounting tool — integrations appear only as a count of 6,000+ with no named system.
The scores
| Criterion | Panel median |
|---|---|
| Plans, pricing models & subscription lifecycle | 3.5 of 5 |
| Invoices & e-invoicing compliance | 2 of 5 |
| Cross-border VAT & tax handling | 3 of 5 |
| Payment collection, dunning & portability | 3.5 of 5 |
| Revenue reporting & accounting handoff | 3 of 5 |
| European sovereignty | 2 of 5 |
Plans, pricing models & subscription lifecycle
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How this is scored
How the product models what is sold and to whom: plans, add-ons and price points, trials, upgrades and downgrades with proration, usage-based and seat-based pricing, contract terms and renewals, quotes, and a self-service portal where the customer changes or cancels their own subscription.
0 — No subscription model; recurring charges are set up by hand per customer or per invoice.
3 — A recurring invoice or a fixed plan that repeats on a schedule, but no proration, no trials, no add-ons and no usage component.
5 — Plans with add-ons and trials, upgrades and downgrades with proration, renewals and cancellations handled by the system, and a customer portal for viewing and changing the subscription.
8 — Usage-based, tiered, volume and seat-based pricing with metering through an API, contracts with minimum terms, ramps and notice periods, quotes that convert into subscriptions, multiple currencies and price books, and the subscription history kept per customer.
10 — The commercial model lives in the product: hybrid pricing (commitments, prepaid credits, overage) without custom code, price changes rolled out to existing customers with grandfathering, entitlements exposed to the selling application, and every change to a subscription versioned and attributed.
The SaaS Founder
Plans, pricing, bundles and usage-based options are built no-code, with four trial shapes including paid trials and setup fees, and upgrade/downgrade proration schemes configurable per product — exactly the flexibility I need before adding a usage tier. Minimum commitments, per-subsidiary catalogs and self-serve billing portals push it further. We found no public information on quotes converting into subscriptions, multi-currency price books, or a versioned subscription-change history. 1 4 5
The Finance Lead
Plans with coupons, upsells and four documented trial types, configurable upgrade and downgrade proration schemes that issue credit notes, self-serve billing portals, minimum commitments and usage-based billing charged by license, overage or meter are all documented. We found no public information on multiple currencies, price books, quotes converting into subscriptions, grandfathered price changes or versioned subscription history, which is what the top tier would require. 1 4 5
The Billing Engineer
Proration is genuinely engineered here — four scheme types with per-product overrides, downgrades that issue credits which become credit notes, trial variants with setup-fee timing — and usage, license and overage billing, minimum commitments and a self-serve billing portal are all on the homepage. What we found no public information on is the quote-to-subscription path, multi-currency price books, or ramps and notice periods, so it sits below the top band. 1 4 5 6
The Service-Business Owner
The subscription engine is deep: four trial types including paid trials with setup-fee timing, upgrade and downgrade proration schemes configurable per product with full, prorated or no credit, usage-based and event-triggered billing fed by quantity reporting, minimum commitments and self-serve billing portals. What the captured pages do not show is quotes converting into subscriptions, multiple currencies and price books, or contract ramps, notice periods and price increases with grandfathering — the last of which I need for my two hundred maintenance contracts. 1 4 5
The Tax Adviser
Usage-based billing with metering, minimum commitments, four documented trial types with introductory offers, and upgrade/downgrade proration schemes that settle into credit notes are all evidenced, alongside self-serve billing portals and per-subsidiary catalogs. This is a genuine commercial engine, not a fixed repeating plan. We found no public information on quotes converting into subscriptions or multi-currency price books, which keeps it off the top level. 1 4 5 6
The Skeptic
The commercial machinery is real and documented in unusual depth: four proration scheme types with full, prorated and no-credit options, four trial variants with setup-fee timing, usage-based billing metered by license, overage or meter, minimum commitments and self-serve billing portals. What keeps it out of the top band is what we found no public information on: quotes converting into subscriptions, multiple currencies or price books, and grandfathered price changes for existing customers. 1 4 5
Invoices & e-invoicing compliance
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How this is scored
Whether the invoices the product issues are legally valid where the customer is: mandatory invoice content, sequential numbering, credit notes and cancellations instead of edits, retention and archiving to GoBD, and structured e-invoices (XRechnung, ZUGFeRD/Factur-X, Peppol) for business customers and public bodies.
0 — No invoices; the product charges cards or sends payment requests and the seller writes invoices elsewhere.
3 — PDF invoices from a template, but numbering, mandatory content, corrections and retention are not described.
5 — Invoices with sequential numbering and the mandatory content stated, credit notes and cancellations instead of edits, invoices in several languages and currencies, and a documented archive.
8 — Structured e-invoices to EN 16931 issued as XRechnung or ZUGFeRD/Factur-X and sent through Peppol, GoBD-compliant numbering and unalterable archiving stated, invoice data exportable for a tax audit, and the e-invoicing mandates in named EU countries addressed.
10 — Invoicing that stands up in any audit it may face: e-invoicing to public bodies and businesses in several EU countries with the channels named, clearance and reporting models (France, Italy, Poland) supported where they apply, a Verfahrensdokumentation or equivalent offered, and every invoice traceable to the subscription event that produced it.
The SaaS Founder
Invoices and credit notes run in one shared numbering sequence, and corrections happen through voids and credit notes rather than edits, with taxes and discounts carried per line item — the right shape. We found no public information on structured e-invoices such as XRechnung, ZUGFeRD or Peppol, on mandatory invoice content, or on retention and archiving, which is thin for a seller in nine EU countries. 6 7
The Finance Lead
Corrections are handled properly: credit notes have six documented generators, partial voids create credit notes rather than edits, and invoice and credit note numbers run on one shared sequence. We found no public information on mandatory invoice content, invoices in several languages and currencies, retention and archiving, or structured e-invoice formats such as XRechnung, ZUGFeRD/Factur-X or Peppol. 6 7 9
The Billing Engineer
Credit notes and voids instead of edits are documented in real depth — a single running number sequence shared by invoices and credit notes, tax and discount carry-over from the original line item, partial-payment handling on voids. We found no public information on mandatory invoice content, invoices in several languages and currencies, a documented archive, or any structured e-invoice format. 6 7
The Service-Business Owner
Corrections are handled the way an auditor expects: credit notes apply to previously issued invoices with discounts and taxes carried over, voiding stops collection and generates a credit note on partial payment, and invoice and credit note numbers share one running sequence. Beyond that I found no public information on mandatory invoice content, retention or GoBD-compliant archiving, and nothing on structured e-invoices — no XRechnung, ZUGFeRD or Peppol appears anywhere in the captured pages, which is what my public-sector customers require. 6 7 9
The Tax Adviser
Credit notes for refunds, adjustments and corrections, voids instead of edits, and a single running sequence shared by invoice and credit-note numbers are documented — the correction mechanics I want to see at year-end. But mandatory invoice content, structured e-invoices such as XRechnung, ZUGFeRD or Peppol, and retention or GoBD-compliant archiving are not described on any captured page, and for a European buyer that is the decisive gap. 6 7
The Skeptic
Corrections are handled the right way — credit notes carry back discounts and taxes from the origin line items, a void on a partially paid invoice creates a credit note rather than an edit, and invoice and credit note numbers share one running sequence. But we found no public information on mandatory invoice content, retention or archiving, or structured e-invoices such as XRechnung, ZUGFeRD/Factur-X or Peppol, so these pages give me nothing to verify against an EU audit. 6 7
Cross-border VAT & tax handling
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How this is scored
How the product gets tax right when the seller sells across borders: VAT rates per country and product type, reverse charge for business customers with VAT ID validation (VIES), the EU One-Stop-Shop, US sales tax — or, for a merchant of record, which tax liability it takes on in its contract and which it leaves with the seller.
0 — No tax handling; the seller types the rate on every invoice.
3 — One configurable VAT rate or a manual rate table, with no customer-location logic and no VAT ID check.
5 — Tax rates applied by customer country and status, reverse charge for business customers with a VAT ID field, and tax shown correctly on invoices and in reports.
8 — Automatic VAT per country and product type, VIES validation of VAT IDs, OSS reporting data, evidence of customer location kept, US sales tax through a named engine — or a merchant-of-record contract that states the tax liability it assumes and in which countries.
10 — Tax is discharged and evidenced: filings or filing data for OSS and the countries sold into, rate changes maintained by the vendor with a stated process, tax decisions per invoice explainable, and the division of liability between seller and vendor written into the terms.
The SaaS Founder
Managed sales tax through Avalara calculates US, Canadian and EU VAT from business and customer addresses, with subdivision support for the EU, tax-exempt customer flags and an exportable tax history, and further engines (Anrok, Numeral, Sphere, TaxJar, Taxwire) are named, most in beta. What held the score down: the managed service is retired on November 20, 2026 with a bring-your-own Avalara path after that, and we found no public information on reverse charge with VAT ID validation or One-Stop-Shop reporting — the exact thing I want to stop thinking about. 8 9
The Finance Lead
Automatic tax calculation through named engines is well evidenced — Avalara AvaTax computes US, Canadian and EU VAT from business and customer addresses, plans and products are flagged taxable, customers or subscriptions can be marked exempt, tax history can be viewed and exported, and Anrok, TaxJar, Numeral, Sphere and Taxwire integrations plus merchant-maintained custom rules exist. For a European seller the gaps matter: we found no public information on reverse charge, VAT ID validation against VIES or OSS reporting data, and the managed Avalara service is being retired on November 20, 2026. 8 9
The Billing Engineer
Automatic tax by business and customer address through named engines — Avalara for US, Canada and EU VAT, plus TaxJar, Anrok, Numeral, Sphere and Taxwire — with per-plan taxability, exemptions at customer and subscription level, tax history export, and merchant-defined custom rules for any country. We found no public information on VAT ID validation (VIES), reverse charge or OSS reporting, and the captured pages state the managed service retires on November 20, 2026, with bring-your-own Avalara or beta services as the path. 8 9
The Service-Business Owner
Tax is calculated by business and customer address through Avalara AvaTax for US, Canada and EU VAT, with configurable taxable regions, tax-exempt customers at customer or subscription level, an exportable tax history, and merchant-defined custom tax rules for any country as an alternative. Two problems for my business: the managed tax service is being retired on November 20, 2026 in favour of bringing your own Avalara account, and the pages show no VAT ID validation, no reverse charge treatment and no One-Stop-Shop reporting. 8 9
The Tax Adviser
Automatic rates through a named engine — Avalara — covering US, Canada and EU VAT, custom tax rules for any country, tax-exempt flags at customer or subscription level, and an exportable tax history are documented, with further named engines (Anrok, TaxJar, Numeral, Sphere, Taxwire) offered largely in beta. Two things worry me: the managed sales-tax service retires on November 20, 2026, and a captured tax page notes a feature there is "not available for EU-hosted users". We found no public information on VIES validation of VAT IDs, reverse charge, or One-Stop-Shop reporting data. 8 9
The Skeptic
Tax is automated through named engines: Avalara calculates US, Canadian and EU VAT from the business's and customer's addresses, plans and products are flagged taxable, exempt customers are marked, and tax history is viewable and exportable. Two things temper it for me — the managed Avalara service is being retired on November 20, 2026 with the in-house alternatives mostly in beta, and we found no public information on VAT ID validation through VIES, reverse charge or One-Stop-Shop reporting. 8 9
Payment collection, dunning & portability
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How this is scored
How invoices turn into money: which payment providers and methods the product works with, SEPA direct-debit mandates, automatic retries and dunning sequences, payment reconciliation, collections handover — and whether the seller can move subscriptions and stored payment details to another provider.
0 — No collection; invoices are sent and payment is chased by hand.
3 — One built-in payment provider with card payments, and failed payments reported but not retried or chased.
5 — Several payment providers or methods including SEPA direct debit with mandates, automatic retries of failed payments, dunning emails with configurable steps, and payments matched to invoices.
8 — Gateway-agnostic collection across named providers, smart retries and card updaters, dunning with escalation and service suspension rules, bank-transfer reconciliation, a handover to a collection agency, and recovery reported.
10 — Collection is portable and measurable: subscriptions and payment tokens importable and exportable with a documented migration path, routing across providers per country or method, recovered revenue reported per dunning step, and no lock-in to the vendor's own payment service stated in the terms.
The SaaS Founder
Twenty-plus named gateways including Stripe, Braintree and Authorize.net, or a built-in payment solution, and dunning that is genuinely deep: schedules per collection method, retry steps, email and SMS, exemptions, escalation to cancel or mark unpaid, plus sandbox simulation of failed payments before going live. We found no public information on SEPA mandate handling, card updaters, handover to a collection agency, or a documented path for moving subscriptions and payment tokens out. 1 10 11
The Finance Lead
Collection is gateway-agnostic across 20+ named providers including Stripe, Braintree and Authorize.net plus a built-in payment solution, and dunning is documented in unusual depth: per-collection-method schedules, day-based steps with email, SMS and retries, exemptions, BCC copies and final actions that cancel the subscription or mark it unpaid, all testable with simulated failures. We found no public information on SEPA direct-debit mandates, card updaters, bank-transfer reconciliation, handover to a collection agency, recovery reporting, or migration of subscriptions and payment tokens to another provider. 1 10 11
The Billing Engineer
Dunning is properly modeled: schedules per collection method, retry, email and SMS steps with BCC, exemptions, final actions that cancel or mark unpaid, triggers for mid-period and signup failures, and a sandbox you can push through the full dunning path with test cards and simulated failures — exactly what I want to see. Twenty-plus named gateways plus a built-in payment service cover collection, but we found no public information on card updaters, bank-transfer reconciliation, collection-agency handover, or a migration path for subscriptions and payment tokens out of the platform. 1 10 11
The Service-Business Owner
Dunning is the best-documented part of the product: schedules per collection method, steps timed by day after the due date with email, BCC and SMS options, payment retries, exemptions, and final actions that cancel the subscription or mark it unpaid, all configurable without code and testable against simulated payment failures. Twenty-plus named gateways plus a built-in payment solution cover collection broadly, but I found no public information on SEPA direct-debit mandates, bank-transfer reconciliation, a collection-agency handover, or exporting stored payment details when moving to another provider. 1 2 10 11
The Tax Adviser
Collection is gateway-agnostic across more than twenty providers with Stripe, Braintree and Authorize.net named, or the vendor's built-in payments, and dunning is deeply configurable — per-collection-method schedules, email, SMS and retry steps, cancel-or-unpaid final actions, remittance dunning, and full payment-failure simulation in a sandbox. A collections status exists for invoices. We found no public information on card updaters, handover to a collection agency, recovery reporting, or export of subscriptions and stored payment details to another provider. 1 10 11 7
The Skeptic
Collection is gateway-agnostic — more than twenty named gateways plus the vendor's own built-in payment option — and the dunning engine is documented to a depth few match: schedules per collection method, email and SMS steps with BCC, retry on step, exemptions, final cancel or mark-unpaid, plus sandbox import and failure simulation. We found no public information on SEPA direct-debit mandates, card updaters, bank-transfer reconciliation, collection-agency handover, or any documented path for moving subscriptions and payment tokens to another provider. 1 7 10 11
Revenue reporting & accounting handoff
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How this is scored
What finance gets out of billing: MRR, ARR, churn and cohort reporting, revenue recognition and deferred revenue, the export or sync to the accounting system and to DATEV, CRM and data-warehouse integrations, an API and webhooks, and a complete export of customer and subscription data.
0 — No reporting and no export beyond downloading individual invoices.
3 — A revenue overview and a CSV export of invoices, with no subscription metrics and no accounting integration.
5 — Subscription metrics (MRR, churn) on a dashboard, an export or sync to at least one named accounting tool, and a documented API with webhooks.
8 — Revenue recognition with deferred revenue schedules, a DATEV export or booking-ready journal for the ledger, native CRM and accounting integrations named, MRR movements explainable per customer, and a full data export documented.
10 — Billing is the system of record for revenue: recognition to IFRS 15 / ASC 606 stated, month-end close supported with reconciled reports, data-warehouse sync, audit trail of every financial event, and a complete export of customers, subscriptions and invoices that a successor system can import.
The SaaS Founder
Subscription analytics are strong — MRR, ARR, churn, cohorts, net dollar retention, revenue and cash-flow projections and momentum waterfalls — and finance reports cover revenue, deferred revenue and A/R with a GAAP and IFRS claim, alongside a documented API, webhooks with replay and delivery tracking, and a data export section. We found no public information on a DATEV export or a booking-ready journal, and accounting integrations appear only as a count (6,000+) with no named systems. 1 12 13
The Finance Lead
The analytics are strong — MRR, ARR, churn, cohorts, net dollar retention, a momentum waterfall and projections, with revenue recognition described as GAAP and IFRS compliant and finance reports covering deferred revenue and A/R — and the API, webhooks and a data export are documented. The handoff to my ledger is where it thins: we found no public information on a DATEV export or a booking-ready journal, and no accounting or CRM tool is named individually, only the claim of 6,000+ integrations across categories. 1 12 13
The Billing Engineer
Subscription metrics are strong — MRR, ARR, churn, cohorts, net dollar retention, a momentum waterfall, projections — and Finance Reports cover revenue, deferred revenue and A/R, with a documented API whose webhooks can be replayed and track delivery status and errors. The accounting handoff is thin: accounting surfaces only as an unnamed count of integrations across CRMs, ERPs and platforms, the analytics docs say they are built for analysis and not financial statements, and we found no public information on a DATEV export or a booking-ready journal for the ledger. 1 12 13
The Service-Business Owner
Finance gets real substance: MRR and ARR, churn and cohort reports, a subscription momentum waterfall of new, expansion, contraction and lost revenue, projections from actual contracts, finance reports for revenue, deferred revenue and A/R, a claim of GAAP and IFRS compliance, and a documented API with webhook endpoints, replay and delivery tracking. But there is no DATEV export and no named accounting tool in the captured pages — only a generic count of six thousand-plus integrations across categories — and data export appears only as a section heading. 1 12 13
The Tax Adviser
Finance reports covering revenue, deferred revenue and A/R, revenue recognition with GAAP and IFRS compliance stated on the vendor page, MRR, ARR, churn, cohort and net-dollar-retention reporting with a momentum waterfall, plus a documented API and webhooks with delivery tracking and replay, give finance real substance. We found no public information on a DATEV export or booking-ready journal, accounting integrations appear only as categories rather than named tools, and the data export surfaces as a section heading without documented scope. 1 12 13
The Skeptic
Finance gets MRR, ARR, churn, cohorts, net dollar retention, projections built on renewal assumptions, a momentum waterfall, finance reports covering revenue, deferred revenue and receivables, revenue recognized as it is earned, and an API with replayable webhooks. We found no public information on a DATEV export or a booking-ready journal, and the accounting and CRM integrations are counted in the thousands but never named — a number is not an integration. 1 12 13
European sovereignty
panel opinion
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How this is scored
Who the contracting entity and the parent company are, where customer, invoice and payment data are hosted, and who the subprocessors are (hosting, payment providers, tax engines, email delivery). Independently sourced by the sovereignty pipeline; billing data is personal and financial at once, so the whole chain counts, not only the database.
0 — Non-EU vendor and contracting entity, hosting unstated, subprocessors unnamed, and no data processing agreement offered.
3 — A privacy policy and a data processing agreement exist, but hosting location is unstated or non-EU and the subprocessors are not listed.
5 — EU hosting available and an EU contracting entity or EU representative, but parts of the chain (tax engine, email, analytics, support) run through non-EU providers without a stated safeguard.
8 — EU hosting on named infrastructure, EU contracting entity, subprocessors listed with their locations, a data processing agreement published, and security certifications (ISO 27001, SOC 2) stated.
10 — Sovereign end to end and evidenced: European ownership, entity, hosting and every subprocessor, data export and deletion documented, and certifications published with their scope rather than implied.
The SaaS Founder
The contracting entity is a Delaware LLC and data is stored and processed in the United States by default, though the policy says agreements with customers may differ. There are real safeguards — a published data processing agreement with EU Standard Contractual Clauses under Irish law and the Irish data protection commission as supervisory authority, a subprocessor list with functions and locations, ISO 27001 and PCI commitments — but EU hosting is only implied by a documentation note about EU-hosted users and was not confirmed on the pages we read. 2 3 9
The Finance Lead
The contracting entity is Maxio LLC, a Delaware company with its main office in Atlanta, and information is stored and processed in the United States by default unless otherwise agreed with the customer; one documentation page addresses EU-hosted users, and the Standard Contractual Clauses are governed by Irish law with the Data Protection Commission of Ireland as supervisory authority. A data processing agreement and a published subprocessor list with functions and locations exist, and ISO 27001 with annual audits and PCI DSS Level 1 for Chargify are stated; we found no public information on named EU hosting infrastructure or SOC 2. 2 3 9
The Billing Engineer
The contracting entity is Maxio LLC, a Delaware limited liability company, and the privacy policy states data is stored and processed in the United States except as may otherwise be agreed with customers — though one documentation page explicitly references EU-hosted users. A published data processing agreement with EU Standard Contractual Clauses, Irish governing law, the Data Protection Commission of Ireland as supervisory authority, a subprocessor list published with functions and locations, and ISO 27001 plus PCI DSS commitments are all documented — real safeguards, but sitting on a US entity with no confirmed EU hosting for billing data. 2 3 9
The Service-Business Owner
The contracting entity is a Delaware limited liability company headquartered in Atlanta, and information is stored and processed in the United States unless otherwise agreed with the customer — the wrong default for my requirement of European customer data, and one documentation page states advance invoicing is "not available for EU-hosted users" without describing such hosting anywhere I read. On the plus side a published data processing agreement offers the EU Standard Contractual Clauses under Irish law with the Irish Data Protection Commission as supervisory authority, annual ISO 27001 audits, and a public subprocessor list, though the website chain runs through Google Analytics, Google Ads, Facebook, LinkedIn, Clearbit, HubSpot and Intercom. 2 3 9
The Tax Adviser
The contracting entity is Maxio LLC, a Delaware company, and the captured pages state that information is by default stored and processed in the United States unless otherwise agreed; the strongest European elements are a published data processing addendum with Standard Contractual Clauses under Irish law, the Data Protection Commission of Ireland as supervisory authority, and a subprocessor list address. ISO 27001 appears as an annual contractual commitment rather than a published certification with scope, and the visitor-facing chain runs through US providers such as Google Analytics, Clearbit and Hubspot. A captured doc page refers to "EU-hosted users", so EU hosting may exist, but the vendor's own pages we captured do not confirm where customer, invoice and payment data sit. 2 3 9
The Skeptic
The contracting entity is a Delaware LLC with its main office in Atlanta, and by default information is stored and processed in the United States unless otherwise agreed with the customer; the published processing agreement does embed the EU Standard Contractual Clauses under Irish law with the Data Protection Commission of Ireland as supervisory authority, an ISO 27001 commitment, and a subprocessor list by URL. But the captured pages give no confirmed EU hosting option, and the chain running through Google Analytics, Clearbit, Hubspot and advertising networks comes without a stated safeguard. 2 3 9
Pricing transparency
not rated — the vendor publishes no price
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How this is scored
Whether a buyer can compute the real annual cost from public pages alone: platform fee, percentage of billed revenue or per-invoice fees, which modules (revenue recognition, e-invoicing, tax, extra gateways) cost extra, overage above a revenue band, setup and minimum term, and the merchant-of-record fee where it applies.
0 — No public prices at all; every customer is a sales call.
3 — A starting price or a free tier exists, but how cost scales with billed revenue, invoices or modules is unclear.
5 — Tiers are public with their main inclusions and revenue bands, but at least one commonly needed piece (e-invoicing, revenue recognition, extra gateways, overage) is unpriced or "on request".
8 — Every tier priced publicly with its scaling rule (revenue percentage, per invoice, per subscriber), overage and add-ons listed, minimum term and VAT treatment stated.
10 — Complete price computability: annual cost derivable for a given billed revenue, invoice volume and module set, with every add-on, setup, support and payment or merchant-of-record fee and the cancellation and data-return terms published.
The SaaS Founder not rated — no public information
We found no public information on pricing: the homepage, privacy policy, data processing agreement and documentation pages captured contain no tiers, platform fee, revenue percentage or setup terms, so a buyer cannot compute an annual cost from what we read. 1 2 3
The Finance Lead not rated — no public information
We found no public information on pricing transparency: no plan tiers, prices, revenue bands or fee structure appear on the homepage, privacy policy, data processing agreement or documentation pages we read. 1 2 3
The Billing Engineer not rated — no public information
We found no public information on pricing: the captured homepage, privacy policy, data processing agreement and product documentation contain no tiers, fee structure, starting price or free tier, so a buyer cannot compute any cost from these pages. 1 2 3
The Service-Business Owner not rated — no public information
We found no public information on Maxio's own prices in the pages captured: the homepage, privacy policy and data processing agreement state no tiers, platform fee, revenue percentage, per-invoice charge, setup cost or minimum term. A buyer cannot compute the annual cost of running two hundred contracts on this from what was captured. 1 2 3
The Tax Adviser not rated — no public information
We found no public information on pricing: the homepage markets capabilities without a tier, starting price, revenue percentage or per-invoice fee, and the captured legal pages describe termination rights on change but no fee structure, minimum term cost or add-on pricing. A buyer cannot compute any annual cost from these pages alone. 1 2 3
The Skeptic not rated — no public information
We found no public information on pricing anywhere in the pages we read: no tiers, no platform fee, no percentage of billed revenue, no setup costs and no minimum term appear on the homepage, privacy policy or processing agreement. The real annual cost cannot be computed from public pages we were given. 1 2 3
European sovereignty — proven facts
1 of 6 dimensions provenBuilt only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.
| Legal entity | Incorporated in US ⚠ unverified | 0/2 pts | 2 Report an error |
|---|---|---|---|
| Hosting location | Not determined | — | uncited Report an error |
| Hosting options | Not determined ⚠ unverified | — | uncited Report an error |
| Open source | Not determined | — | uncited Report an error |
| Data processing agreement | Not determined ⚠ unverified | — | uncited Report an error |
| Transfer impact assessment | Not determined | — | uncited Report an error |
Questions about Maxio
Is Maxio European?
Not determined: the vendor’s pages as captured do not say where Maxio is based. Its vendor, Maxio (formerly SaaSOptics / Chargify), is incorporated in United States, per the vendor’s page captured 3 Nov 2026.
Where does Maxio store data?
Not stated on the vendor’s pages as of 3 Nov 2026.
Does Maxio have a free plan?
Not stated on the vendor’s pages as of 3 Nov 2026.
What are the best alternatives to Maxio?
As of 4 Nov 2026, the panel rates Chargebee (3.5/5), Younium (3.5/5) and Stripe Billing (3.5/5) highest among the other 15 Billing & Invoicing products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is Younium (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made. The full list, with European products first: Maxio alternatives.
Where this could be wrong
- Evidence ages. The oldest capture behind this page is from 3 Nov 2026. Vendors change pricing and policies without notice; every fact reflects its source as of the capture date shown in the registry.
- Weak sourcing — Data processing agreement, Hosting options. Not confirmed on the vendor’s own pages as captured.
- Weak sourcing — Legal entity. Delaware is a US state rather than a country name, and the page also lists subsidiaries and offices in Ireland and Poland; the legal entity itself is the Delaware LLC.
- AI can misread a source. Extraction and judgement are automated; a citation guarantees traceability, not infallibility. If something here is wrong, say so — no account needed, every report is decided within 5 business days, and accepted corrections are published.
What we left out
A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.
- We found no public information on pricing on the pages we read (maxio.com, maxio.com/privacy-policy, maxio.com/dpa, docs.maxio.com/billing/subscriptions/management/subscription-states/understand-trialing-subscriptions, docs.maxio.com/billing/subscriptions/management/product-allocations/configure-proration-schemes-for-products, docs.maxio.com/billing/invoicing/working-with-invoices/how-credit-notes-work and 7 more). If the vendor publishes it somewhere else, send us the page. Know more? Tell us
- 6 compliance facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 3 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 2 data facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 1 integrations fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material. Know more? Tell us
- 1 legal fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material. Know more? Tell us
- 2 sovereignty dimensions could not be confirmed on the vendor’s own pages and are shown as unknown. Know more? Tell us
Sources (13)
The pages every claim on this page was read from — each one checked, dated, and kept verifiable.
- 1 Vendor page www.maxio.com Checked 3 Nov 2026 Details →
- 2 Privacy policy — found from the homepage www.maxio.com Checked 3 Nov 2026 Details →
- 3 Data processing agreement (dpa) — found from the homepage www.maxio.com Checked 3 Nov 2026 Details →
- 4 Plans, pricing models & subscription lifecycle — found from sitemap docs.maxio.com Checked 3 Nov 2026 Details →
- 5 Plans, pricing models & subscription lifecycle — found from sitemap docs.maxio.com Checked 3 Nov 2026 Details →
- 6 Invoices & e-invoicing compliance — found from sitemap docs.maxio.com Checked 3 Nov 2026 Details →
- 7 Invoices & e-invoicing compliance — found from sitemap docs.maxio.com Checked 3 Nov 2026 Details →
- 8 Cross-border VAT & tax handling — found from sitemap docs.maxio.com Checked 3 Nov 2026 Details →
- 9 Cross-border VAT & tax handling — found from sitemap docs.maxio.com Checked 3 Nov 2026 Details →
- 10 Payment collection, dunning & portability — found from sitemap docs.maxio.com Checked 3 Nov 2026 Details →
- 11 Payment collection, dunning & portability — found from sitemap docs.maxio.com Checked 3 Nov 2026 Details →
- 12 Revenue reporting & accounting handoff — found from sitemap docs.maxio.com Checked 3 Nov 2026 Details →
- 13 Revenue reporting & accounting handoff — found from sitemap developers.maxio.com Checked 3 Nov 2026 Details →