# Maxio — Billing & Invoicing

Maxio by Maxio (formerly SaaSOptics / Chargify) holds a panel rating of 3/5 from 6 AI judges (category median 3/5), as of 2026-11-03. Provenance: provenance unknown; sovereignty: 1 of 6 dimensions proven.

- Vendor: Maxio (formerly SaaSOptics / Chargify) (https://www.maxio.com)
- Category: [Billing & Invoicing](https://whats-best.ai/software/billing.md)
- Provenance (editorial classification): provenance unknown
- Canonical page: https://whats-best.ai/software/billing/maxio
- Alternatives: https://whats-best.ai/software/billing/maxio/alternatives ([markdown](https://whats-best.ai/software/billing/maxio/alternatives.md))
- Data as of: 2026-11-04 · evaluated 2026-11-03 · oldest source captured 2026-11-03

**AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology

## At a glance

- Vendor: Maxio (formerly SaaSOptics / Chargify)
- Headquarters: Incorporated in United States [S2]
- 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

## 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.

## Scores by judge and criterion

Scores out of 5, each judge scoring independently against the published rubric (v1). "n/r" = not rated: the vendor publishes no price, or the judge found no public information on that criterion.

| Criterion | The SaaS Founder | The Finance Lead | The Billing Engineer | The Service-Business Owner | The Tax Adviser | The Skeptic |
| --- | --- | --- | --- | --- | --- | --- |
| Plans, pricing models & subscription lifecycle | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 4/5 | 3.5/5 |
| Invoices & e-invoicing compliance | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 |
| Cross-border VAT & tax handling | 3/5 | 3/5 | 3.5/5 | 3/5 | 3/5 | 3/5 |
| Payment collection, dunning & portability | 3.5/5 | 3.5/5 | 3.5/5 | 3/5 | 3.5/5 | 3.5/5 |
| Revenue reporting & accounting handoff | 3.5/5 | 3/5 | 3/5 | 3/5 | 3.5/5 | 3/5 |
| European sovereignty | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 |
| Pricing transparency | n/r | n/r | n/r | n/r | n/r | n/r |
| **Weighted verdict** | **3/5** | **3/5** | **3/5** | **2.5/5** | **3/5** | **3/5** |

### The judges

- **The SaaS Founder** (v1.0): Runs a twelve-person SaaS that sells to companies in nine EU countries and is about to add a usage-based tier. Wants plans, trials and price changes without a developer sprint, reverse charge that is right without thinking about it, failed cards retried before they turn into churn, and a billing bill that does not grow faster than revenue.
- **The Finance Lead** (v1.0): Closes the month for a software company with eight million euros of recurring revenue. Wants MRR that reconciles with the ledger, deferred revenue scheduled rather than estimated in a spreadsheet, a journal or DATEV export the accountants can book without retyping, and dunning that stops before it reaches a key account.
- **The Billing Engineer** (v1.0): Wires billing into the product and gets paged when a webhook goes missing. Wants a documented API for usage events, idempotent webhooks, entitlements the app can read, a sandbox that behaves like production, and a migration path that moves subscriptions and payment tokens out again if the company outgrows the tool.
- **The Service-Business Owner** (v1.0): Runs an IT service company with two hundred maintenance contracts, hosting packages and monthly retainers, all billed to German businesses. Wants contract terms and price increases handled by the system, SEPA direct debit with mandates, e-invoices that public-sector customers accept, a DATEV export for the tax adviser, and customer data kept in Europe.
- **The Tax Adviser** (v1.0): Advises software and subscription businesses and sees what their billing tools get wrong at the year-end audit. Wants sequential numbering and credit notes instead of edited invoices, XRechnung and ZUGFeRD now that the B2B e-invoice is mandatory, VAT IDs checked before reverse charge is applied, and a merchant of record that says in writing which tax it owes.
- **The Skeptic** (v1.0): Has seen "automated recurring revenue" turn into a tool that takes a percentage of every euro billed and keeps the payment tokens when the customer leaves. Reads "e-invoicing ready" that means a PDF, "global tax compliance" with no word on who is liable, merchant-of-record terms that let the vendor change fees at will, and subprocessor lists that stop at the hosting provider — and asks what leaving would cost.

## European sovereignty — proven facts

Built only from facts on the vendor's own pages; a dimension we could not prove is left open, never scored as zero. Headline: 1 of 6 dimensions proven.

| Dimension | Finding | Points | Source |
|---|---|---|---|
| Legal entity | Incorporated in US | 0/2 | [S2] |
| Hosting location | Not determined | — | — |
| Hosting options | Not determined | — | — |
| Open source | Not determined | — | — |
| Data processing agreement | Not determined | — | — |
| Transfer impact assessment | Not determined | — | — |

## Key facts

Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources).

**Compliance**
- Audit frequency: 1 [S3]
- Audit notice days: 60 [S3]
- Background checks: yes [S3]
- Breach notification hours: 48 [S3]
- Change termination right: 30 · 60 [S2]
- DPA: yes [S1]
- GDPR CCPA commitments: yes · yes [S2]
- GDPR lawful basis: consent · contractual necessity [S2]
- Government id storage forbidden: yes [S3]
- ISMS: yes [S3]
- ISO 27001: yes · annual [S3]
- Laws covered: European Data Protection Laws · UK GDPR · US Data Protection Laws [S3]
- No HIPAA phi: yes · yes · yes [S3]
- Payment data handling: yes · no [S3]
- Pci dss chargify: 1 · Chargify · 3.2.1 · annual [S3]
- Pci dss saasoptics: SaaSoptics · SAQ · 3.2.1 [S3]
- Privacy contact: privacy@maxio.com · 1-678-710-8260 · 6525 The Corners Pkwy NW, Peachtree Corners, GA 30092 [S2]
- Privacy rights regions: EEA · UK · California · Nevada · Connecticut · Colorado · Virginia · Utah [S2]
- Security encryption: yes [S2]
- Security officer: yes [S3]
- Security safeguards: data encryption · firewalls · physical access controls [S2]
- Sensitive data collection: geolocation data · no [S2]
- Supervisory authority: Data Protection Commission of Ireland [S3]
- Two factor authentication: yes [S2]

**Data**
- Analytics use: yes [S3]
- No sale of data: no [S2]
- Records log: yes [S3]
- Retention: commercially reasonable time for backup, archival, or legal compliance and audit purposes [S2]
- Retention exception: yes [S3]

**Hosting**
- Data storage location: United States [S2]
- EU availability: no [S9]

**Integrations**
- Advertising providers: Google Ads · Facebook · Twitter · LinkedIn [S2]
- Analytics providers: Google Analytics [S2]
- Count: 6,000+ integrations across CRMs, ERPs, accounting platforms, payment gateways, data tools [S1]
- Data enrichment providers: Clearbit and Hubspot [S2]
- Data export: Data Export section exists in Insights docs [S12]
- Developer surface: API documentation · SDK code libraries · webhooks · platform status · sandbox [S1]
- Line item uid format: Credit note line item uid derived from origin line item uid with cn prefix and numeric suffix [S6]
- Marketing providers: Intercom · G2 · Capterra [S2]
- Maxio core credit memo: Maxio Core credit memo application creates a matching credit note in Advanced Billing [S6]
- Origin invoices API: Credit note origin invoices available in API under origin_invoices key [S6]
- Payment gateways: 20+ Gateways · Stripe · Braintree · Authorize.net · yes [S1]
- Reporting tool integrations: Reporting tool integrations section exists in Insights docs [S12]
- Webhook enable: API supports enabling webhooks [S13]
- Webhook endpoints management: API supports creating, listing, and updating webhook endpoints [S13]
- Webhook list: API supports listing webhooks [S13]
- Webhook replay: API supports replaying webhooks [S13]

**Legal**
- Entity: Maxio LLC, a Delaware limited liability company [S2]
- Entity: Maxio LLC · Chargify, LLC · SaaSOptics, LLC · Delaware [S3]
- Headquarters: Atlanta, Georgia [S2]
- Last updated: 2025-12-03 [S3]
- Policy last updated: 2025-12-16 [S2]
- Privacy contact: privacy@maxio.com [S3]
- Scc governing law: Dublin, Ireland · Ireland [S3]
- Subsidiaries: SaaS Optics, LLC · Chargify, LLC · Keen, LLC · Atlanta, Georgia · San Antonio, Texas · Krakow, Poland · Dublin, Ireland [S2]

**Product**
- Accrue upgrade scheme options: charge immediately (failure accrues to next renewal) · accrue to next billing period [S5]
- Advance invoicing: Advance invoicing bills renewal charges before term end, preserving billing dates, net terms, dunning logic [S9]
- AI agents: yes [S1]
- Analytics reports purpose: subscription analytics: growth/churn, cohorts, top customers, revenue projection; not for financial statements [S12]
- Anrok tax integration: requires_support_enablement · yes [S8]
- Applies to advanced billing: Tax options described apply to Advanced Billing only workflow [S8]
- Arr from mrr: Docs cover ARR calculation from MRR [S12]
- Awaiting signup behavior: Awaiting Signup [S5]
- Bank account testing: no defined test number set for bank account testing · no [S10]
- Basic report: Basic Report lists transaction amounts, MRR/ARR, and quantities by period; not for financial reporting [S12]
- Billing automation: yes · recurring · usage-based · event-triggered · proration · renewal timing [S1]
- Billing models: Bill any pricing model, recognize revenue as it's earned [S1]
- Byok avatax: Connect own existing Avalara AvaTax account, rules managed in Avalara [S8]
- Cohort report: Cohort report compares groups of customers, such as everyone who started in one month, over time [S12]
- Coupon tax order: Tax applied after coupon adjustment [S9]
- Credit calculation basis: current product price · current tax rates [S5]
- Credit note applications API: Credit note applications in API under applications key; invoices expose applied credit notes under credits key [S6]
- Credit note generators: Plan change prorations (migrations) generate credit notes for the unused portion of the paid plan period [S6]
- Credit note generators allocation: Prorated product allocation changes with price reduction generate credit notes [S6]
- Credit note generators refunds: Refunds for invoices where payment is no longer expected generate credit notes [S6]
- Credit note generators service credits: General service credits convert to a credit note when drawn on to pay an invoice [S6]
- Credit note generators voids: Partial voids on invoices generate credit notes [S6]
- Credit notes: Credit notes apply reductions to previously issued invoices for refunds, adjustments, or corrections [S6]
- Custom taxes: Custom tax rules defined and maintained by the merchant for any country or region [S8]
- Customer count: 2000 [S1]
- Data residency negotiable: yes [S2]
- Default application behavior: Credit notes applied to the next invoice is the default behavior [S6]
- Default scheme location: Config > Settings > Products (Site level) [S5]
- Description: online subscription and revenue management platforms [S2]
- Discount tax carryover: Credit notes carry over discounts and taxes from the original line item [S6]
- Downgrade no credit scheme: A 'Do Not Credit' downgrade scheme can be set for product allocation downgrades [S6]
- Downgrade scheme options: credit full difference · credit prorated difference · do not credit [S5]
- Dunning: yes [S1]
- Dunning applies to: Advanced Billing [S11]
- Dunning bcc: BCC list receives copies of dunning emails when BCC enabled per step; multiple addresses comma-separated [S11]
- Dunning credit card schedule: Dunning schedules are created per collection method, e.g. credit card, under Config > Retries & Dunning [S11]
- Dunning definition: Dunning is the sequence of retries and emails Advanced Billing runs when a payment fails [S11]
- Dunning no code required: no [S11]
- Dunning remittance option: Remittance dunning start date configurable; field only appears on Sites with remittance enabled [S11]
- Dunning sandbox import: dunning configuration can be imported from a sandbox (navigation item) [S10]
- Dunning schedule management: dunning schedules setup · choose schedule · email from address and BCC · exemptions and notification timing · clone schedule · cancel dunning on past-due subscriptions [S10]
- Dunning schedule scope: Schedule applies to a product or product family; default family named Billing Plans [S11]
- Dunning scheme options: accrue failed charges to renewal · initiate dunning [S5]
- Dunning step actions: send_email_with_bcc · send_sms · retry_payment_card_only · cancel_subscription · mark_unpaid [S11]
- Dunning step first day: 1 · yes [S11]
- Dunning triggers: mid-period component allocation failure · awaiting signup payment failure · backdated subscription first charge [S11]
- Enable managed sales tax effect: yes [S9]
- End of life allocation behavior: Canceled · Expired · On Hold · no [S5]
- Final dunning states: Unpaid · Canceled [S10]
- Finance reports: Finance Reports handle revenue, deferred revenue, and A/R reporting [S12]
- Introductory offer option: yes [S4]
- Introductory offer receipts: trial length · trial end date · first subsequent transaction date · estimated amount [S4]
- ISO country code requirement: ISO 3166-1, 2 characters [S9]
- ISO state code requirement: 2 characters (ISO 3166-2) · 2-3 characters (ISO 3166-2) [S9]
- Managed sales tax: US · Canada · EU VAT · yes · Avalara · 2026-11-20 [S8]
- Managed sales tax description: Avalara AvaTax · automatic tax calculation by business/customer addresses · configure taxable regions · mark Plans and Products taxable · review tax history [S9]
- Managed sales tax retirement: no · Link My Avalara · 2026-11-20 [S8]
- Managed sales tax retirement: support@maxio.com · Link My Avalara · 2026-11-20 [S9]
- Manual proration cases: modified billing period end date · trial period not matching product billing period length [S5]
- Maxio payments: yes [S2]
- Metrics and targets: Metrics and Targets adds goals and acquisition cost to the Momentum report [S12]
- Minimum commitments: yes [S1]
- Momentum ignores class labels: Advanced Subscription Momentum Report derives New/Expansion/Contraction/Lost from transactions and ignores Class values [S12]
- Momentum report: Subscription Momentum report is a waterfall: Opening + New + Expansion - Contraction - Lost = End of Period [S12]
- Multi entity: yes [S1]
- Multiple origin invoices: Credit notes can reference more than one origin invoice [S6]
- Net dollar retention calculation: Docs cover how Maxio calculates Net Dollar Retention [S12]
- No code offers: yes [S1]
- No obligation trial outcomes: Trial Ended · Active [S4]
- No sale of pi: no [S3]
- Numeral tax integration: beta · yes [S8]
- Open invoice crediting: Credit notes generated for open and paid invoices alike [S6]
- Origin invoice line items: Credited line items from origin invoices appear on the credit note [S6]
- Other taxable regions: United Arab Emirates · Argentina · Brazil · Switzerland · Chile · Colombia · Egypt · Hong Kong · Israel · India · Japan · Jordan · South Korea · Mexico · Malaysia · Nigeria · Norway · New Zealand · Philippines · Pakistan · Qatar · Russian… [S9]
- Past due dunning: yes [S4]
- Past due state: failed payment attempt initiating dunning [S10]
- Payment expected trial outcome: Past Due [S4]
- Payments payment card storage: yes · yes [S2]

**Subprocessors**
- List URL: https://www.maxio.com/subprocessors [S2]
- List URL: https://www.maxio.com/subprocessors [S3]

**Support**
- Do not track: no [S2]

50 more facts on the canonical page: https://whats-best.ai/software/billing/maxio

## Questions

### 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](https://whats-best.ai/evidence/16854).

### 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)](https://whats-best.ai/software/billing/chargebee), [Younium (3.5/5)](https://whats-best.ai/software/billing/younium) and [Stripe Billing (3.5/5)](https://whats-best.ai/software/billing/stripe-billing) 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](https://whats-best.ai/software/billing/younium) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [Maxio alternatives](https://whats-best.ai/software/billing/maxio/alternatives).

## What this page leaves out

- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 2 sovereignty dimensions could not be confirmed on the vendor’s own pages and are shown as unknown.

## Sources

- [S1] Vendor page: https://www.maxio.com (checked 2026-11-03)
- [S2] Privacy policy — found from the homepage: https://www.maxio.com/privacy-policy (checked 2026-11-03)
- [S3] Data processing agreement (dpa) — found from the homepage: https://www.maxio.com/dpa (checked 2026-11-03)
- [S4] Plans, pricing models & subscription lifecycle — found from sitemap: https://docs.maxio.com/billing/subscriptions/management/subscription-states/understand-trialing-subscriptions (checked 2026-11-03)
- [S5] Plans, pricing models & subscription lifecycle — found from sitemap: https://docs.maxio.com/billing/subscriptions/management/product-allocations/configure-proration-schemes-for-products (checked 2026-11-03)
- [S6] Invoices & e-invoicing compliance — found from sitemap: https://docs.maxio.com/billing/invoicing/working-with-invoices/how-credit-notes-work (checked 2026-11-03)
- [S7] Invoices & e-invoicing compliance — found from sitemap: https://docs.maxio.com/billing/invoicing/working-with-invoices/void-an-invoice (checked 2026-11-03)
- [S8] Cross-border VAT & tax handling — found from sitemap: https://docs.maxio.com/billing/taxes/overview/understand-tax-options (checked 2026-11-03)
- [S9] Cross-border VAT & tax handling — found from sitemap: https://docs.maxio.com/billing/taxes/set-up-taxes/set-up-managed-sales-tax (checked 2026-11-03)
- [S10] Payment collection, dunning & portability — found from sitemap: https://docs.maxio.com/billing/subscriptions/dunning/test-dunning-and-simulate-payment-failures (checked 2026-11-03)
- [S11] Payment collection, dunning & portability — found from sitemap: https://docs.maxio.com/getting-started/quick-start-guides/configuration/configure-retries-dunning (checked 2026-11-03)
- [S12] Revenue reporting & accounting handoff — found from sitemap: https://docs.maxio.com/insights/analytics-reports (checked 2026-11-03)
- [S13] Revenue reporting & accounting handoff — found from sitemap: https://developers.maxio.com/http/advanced-billing-api/api-endpoints/webhooks/overview (checked 2026-11-03)

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Cite as: whats-best.ai, "Maxio — Billing & Invoicing", AI panel analysis, as of 2026-11-04. https://whats-best.ai/software/billing/maxio

Corrections: https://whats-best.ai/correct/1372?target=page