PAYWITHTHEMFINANCIAL INFRASTRUCTURE
HomeBusiness SolutionsSaaS Payment & Subscription Engine
SaaS Architecture

SaaS Payment & Subscription Engine

Power your recurring subscription billing with deep support for Indian and global SaaS models. Automate UPI AutoPay, card e-mandates, metered usage billing, proration, and automated GST compliance from a unified developer platform.

saas.metered.billing
INVOICE GENERATED
Account:CloudFlow Technologies (Pro Tier)
Base Monthly:₹7,999.00 / Month
Metered API Usage:₹1,420.00 (71,000 API Calls)
Total Billed:₹9,419.00 + 18% GST
Platform Capabilities

Complete monetization engine for B2B and consumer software.

SaaS companies scaling in India must navigate complex RBI e-mandate rules, mandatory pre-debit dispatches, and B2B GST invoicing. Our engine takes care of customer billing lifecycle management so engineering teams can focus on building products.

UPI AutoPay and card recurring mandates compliant with RBI regulations
Automated 24-hour pre-debit notifications via SMS, WhatsApp, and email
Metered usage-based billing with programmatic real-time consumption events
Instant automated proration when customers upgrade or downgrade subscription tiers
B2B GST invoice generation with customer GSTIN validation and tax breakdowns
Smart dunning retry workflows to automatically recover involuntary payment churn

Infrastructure Specifications

Billing ModelsFlat, Per-Seat, Tiered, Metered & Hybrid
Mandate RailsUPI AutoPay, e-NACH (NPCI) & Card Recurring
Invoice FormatsGST Compliant Automated PDF & Structured JSON
Dunning RecoveriesIntelligent Multi-Day Algorithmic Retries
SDKs AvailableNode.js, Python, Go, Ruby & PHP
Why Choose Us

Engineered for reliability, scale & speed.

Deliver seamless experiences to your agents, merchants, and customers.

Low Involuntary Churn

Smart payment retry schedules and proactive card expiry alerts recover up to 30% of failed subscription renewals.

Flexible Billing Models

Support flat monthly/annual plans, per-seat licensing, metered usage, overages, and customized enterprise contracts.

Automated GST Invoicing

Generate compliant B2B tax invoices with state tax (CGST/SGST/IGST) calculations and downloadable PDFs.

Pre-Debit Compliance

Zero manual intervention required to dispatch mandatory regulatory pre-billing SMS alerts to subscribers.

Customer Self-Service Portal

Allow your customers to manage active payment methods, view historical invoices, and update billing details.

Developer First APIs

Simple REST API and webhooks for all customer, subscription, invoice, and payment status lifecycle changes.

Step-by-Step Flow

How the transaction lifecycle works.

01

Configure Pricing Plans

Define product tiers, recurring cadences, trial periods, and usage pricing in the dashboard or via API.

02

Customer Mandate Signup

Customer selects a plan on your checkout page and authorizes recurring debit via UPI AutoPay or credit card.

03

Stream Usage Events

Your application sends real-time usage metrics (e.g. seats, API calls, storage) to our metering endpoints.

04

Automated Renewal & Invoice

The engine dispatches the pre-debit alert, collects the payment on schedule, and emails the tax invoice.

Applications

Target use cases & audiences.

B2B SaaS Platforms

Enterprise Software Licensing

Manage high-value annual contracts, quarterly true-ups, and per-seat billing with GST compliance.

Developer & Cloud Tools

Metered Consumption Billing

Bill customers purely based on bandwidth, database operations, or API calls consumed each month.

Mobile & Consumer Apps

In-App Subscription Tiers

Collect recurring subscription revenue directly via UPI AutoPay without app store commission fees.

Security & Compliance

Enterprise-grade financial defense.

Protected by multi-layered encryption, certified hardware modules, and strict regulatory standards.

Bank-Grade Encryption

TLS 1.3 encryption in transit and AES-256 GCM at rest for all transaction payloads.

FIPS 140-2 HSM Vault

Sensitive PIN blocks and biometric PID data are processed strictly in hardware modules.

RBI & NPCI Standards

100% compliant with national operating circulars, data localization, and tokenization rules.

T+0 Audit & Reconciliation

Deterministic idempotency keys and automated transaction ledger balancing.

Frequently Asked Questions

Everything you need to know.

Yes, our engine allows you to stream usage events (such as active seats, gigabytes stored, or API requests) throughout the billing cycle, calculating the final invoice amount automatically on the billing date.
Start Building Today

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