HubWho vs. Stripe Billing
Stripe's hosted invoicing and subscriptions product. Excellent payments primitive — but a per-invoice fee on top of processing, no per-client margin reporting.
- Agency-aware: invoicing is driven by your product catalog and per-client subscriptions, not line items you retype each month.
- Per-client margin against your wholesale cost, not just revenue.
- Direct merchant option (Authorize.net) for agencies that need rates below Stripe's standard.
- No per-invoice tax on top of processing — flat monthly subscription.
- Dual-processor model — Stripe Connect AND a direct merchant in the same tenant.
- World-class card processing and fraud protection.
- Hosted invoice pages and Customer Portal out of the box.
- Deep Stripe ecosystem — Connect, Tax, Radar, Sigma.
- Excellent developer experience and webhook reliability.
Feature matrix — HubWho vs. Stripe Billing
Only the rows that actually matter when an agency is choosing between us. Refreshed May 2026.
| Feature | HubWho This one | Stripe Billing Stripe's billing add-on |
|---|---|---|
| Onboarding & data | ||
| Standalone billing platform — no external dependency | ||
| One-time CSV import on-ramp from your current tool | planned | |
| Per-client KPIs from connected platforms | ||
| Per-client wholesale-vs-retail margin | ||
| Payments | ||
| Bring your own merchant account | ||
| Stripe Connect onboarding | ||
| Direct merchant (Authorize.net / NMI) | ||
| ACH via Plaid bank-link | ||
| Apple Pay / Google Pay | ||
| Per-transaction take-rate | 0% | 0.5–0.8% per invoice |
| Invoicing & dunning | ||
| Recurring + one-off invoices | ||
| Auto-draft on due date | ||
| Configurable late fees per tenant | ||
| Multi-step dunning sequences | ||
| Brandable invoice PDFs | ||
| Reporting & margin | ||
| Per-client gross margin (wholesale vs. retail) | ||
| MRR / churn / AR aging dashboard | ||
| QuickBooks + Xero export | ||
| 1099 reporting | ||
| End-client experience | ||
| White-label customer portal | ||
| Self-serve invoice payment + autopay | ||
| Live KPI snapshots in the portal | ||
| E-sign contracts (Dropbox Sign) | ||
| Platform & ops | ||
| Role-based access (4 roles) | ||
| Append-only audit log with diff | ||
| Tenant API + outbound webhooks | ||
Frequently asked
When should an agency choose Stripe Billing over HubWho?+
Stripe Billing is the right call when you don't need per-client wholesale-vs-retail margin reporting, you're already deeply integrated with their ecosystem, or your billing volume is small enough that the feature gap doesn't show up yet. We list the specific wins on this page so you can decide honestly.
Can HubWho coexist with Stripe Billing?+
Often, yes. Many agencies use HubWho for invoicing + ACH + margin reporting and keep Stripe Billing for the specific capability where it's strongest (e.g. QuickBooks for accounting, Stripe for processing). HubWho exports cleanly to most downstream tools.
How is this comparison kept honest?+
Each row reflects each vendor's public pricing and documentation as of when we last refreshed it. We list cases where the other tool wins on the same page as our wins. The data was last refreshed May 2026; we update when claims change.
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