# Top 6 AI-Driven Billing Software for 2026

<script type="application/ld+json">
{
  "@context": "https://schema.org",
  "@type": "WebPage",
  "headline": "6 Best AI Billing Software for Smarter Payment Management",
  "description": "Explore leading billing software that has integrated AI features to automate billing, reduce payment failures, and improve efficiency for SaaS businesses.",
  "image": "https://res.cloudinary.com/mailmodo/image/upload/v1751264687/strapi/ai_billing_software_c4e74eea93.png",
  "datePublished": "2025-06-30T06:30:25.117Z",
  "dateModified": "2026-02-10T10:02:07.738Z",
  "publisher": {
    "@type": "Organization",
    "name": "Mailmodo",
    "url": "https://www.mailmodo.com/",
    "sameAs": [
      "https://www.linkedin.com/company/mailmodo/",
      "https://www.facebook.com/mailmodo/",
      "https://www.instagram.com/mailmodohq/",
      "https://www.youtube.com/@mailmodo"
    ],
    "logo": "https://www.mailmodo.com/static/images/logo/logo-full.svg",
    "description": "Mailmodo is a complete email marketing platform that helps email marketers to create and send interactive emails to drive growth and engagement.",
    "address": {
      "@type": "PostalAddress",
      "addressLocality": "Lewes",
      "addressRegion": "DE",
      "postalCode": "19958",
      "streetAddress": "Mailmodo Technologies Inc. 16192, Coastal Highway",
      "addressCountry": {
        "@type": "Country",
        "name": "US"
      }
    },
    "contactPoint": {
      "@type": "ContactPoint",
      "email": "enquiries@mailmodo.com",
      "contactType": "customer service"
    }
  }
}
</script>

<script type="application/ld+json">
{
  "@context": "https://schema.org",
  "@type": "Article",
  "headline": "6 Best AI Billing Software for Smarter Payment Management",
  "description": "Explore leading billing software that has integrated AI features to automate billing, reduce payment failures, and improve efficiency for SaaS businesses.",
  "image": "https://res.cloudinary.com/mailmodo/image/upload/v1751264687/strapi/ai_billing_software_c4e74eea93.png",
  "datePublished": "2025-06-30T06:30:25.117Z",
  "dateModified": "2026-02-10T10:02:07.738Z",
  "author": {
    "@type": "Person",
    "name": "Mashkoor Alam",
    "url": "https://www.mailmodo.com/guides/author/mashkoor-alam/"
  },
  "publisher": {
    "@type": "Organization",
    "name": "Mailmodo",
    "logo": {
      "@type": "ImageObject",
      "url": "https://www.mailmodo.com/static/images/logo/logo-full.svg"
    }
  },
  "mainEntityOfPage": {
    "@type": "WebPage",
    "@id": "https://www.mailmodo.com/guides/ai-billing-software/"
  }
}
</script>

<script type="application/ld+json">
{
  "@context": "https://schema.org",
  "@type": "Organization",
  "@id": "#creator",
  "description": "Email marketing software to create and send interactive emails to maximize conversions and reinvent your user journey",
  "email": "support@mailmodo.com",
  "image": "https://www.mailmodo.com/static/images/og-image.png",
  "knowsAbout": "Email marketing",
  "legalName": "Mailmodo Technologies Inc.",
  "location": "United States",
  "logo": "https://www.mailmodo.com/static/images/logo/logo-full.svg",
  "name": "Mailmodo",
  "sameAs": [
    "https://twitter.com/mailmodo",
    "https://www.facebook.com/company/mailmodo/",
    "https://www.linkedin.com/company/mailmodo/"
  ],
  "url": "https://www.mailmodo.com/"
}
</script>

<script type="application/ld+json">
{
  "@context": "https://schema.org",
  "@type": "BreadcrumbList",
  "itemListElement": [
    {
      "@type": "ListItem",
      "position": 1,
      "name": "Home",
      "item": "https://www.mailmodo.com/"
    },
    {
      "@type": "ListItem",
      "position": 2,
      "name": "Guides",
      "item": "https://www.mailmodo.com/guides/"
    },
    {
      "@type": "ListItem",
      "position": 3,
      "name": "ai billing software",
      "item": "https://www.mailmodo.com/guides/ai-billing-software/"
    }
  ]
}
</script>

## Table of contents

- What is an AI billing software?
- Top 6 AI billing software
- Rounding up

If you’re responsible for handling billing at a growing company, you know it’s about more than just sending invoices. You’re constantly chasing failed transactions, making sure payment gets collected and records stay accurate.

  

While traditional billing software has been a great help to finance over the years, the recent boom in AI has teams thinking whether the billing tools they use can help them track, automate, and optimize even better.

  

In this guide, we’ll explore some of the top **billing software** that have recently added AI to simplify complex billing processes and boost efficiency.

## What is an AI billing software?

**AI billing software is a type of billing system that uses artificial intelligence to automate, optimize, and personalize billing and invoicing processes for businesses.**

## Top 6 AI billing software

Below, we have compiled a list of 6 leading billing platforms that have successfully integrated AI into their product. Let’s explore them in detail.

1.  ### Chargebee
    

<a href="https://www.chargebee.com/" rel="nofollow">Chargebee</a> offers Copilot, an AI assistant designed to help users within the product. Users can type any questions directly into the Co-pilot window, and the system scans several support documents to get the answers for you.

  

Beyond Copilot, Chargebee also offers smart dunning to improve payment recovery. It automatically adjusts retry attempts based on past transaction patterns to boost success rates. You can retry up to 12 times and even customize specific days for payment retries.

  

**Here are other features that Chargebee offers:**

  

-   Offline payment support to process payments made via cash, checks, bank transfers, or postal orders.
    
-   Usage-based billing to enable AI businesses to charge customers based on actual consumption of service.
    
-   Subscription management console to handle upgrades, cancellations, renewals, and reactivations.
    
-   Net D payment terms to offer flexible payment windows between Net 1 to Net 180 days to complete payments.
    
-   Flexible pricing models to support flat-rate, tiered, stair-step, outcome-based, and hybrid pricing models.
    

  

**Pricing**

| Plans | Pricing (billed annually) | Best for |
|-------------|--------------------------------------------------------|-------------------------------------------------------|
| Starter | Free for the first $250K of total billing, then 0.75% | Startups monetizing early traction |
| Performance | Starts from $599 | Teams seeking multi-segment growth with |
| Enterprise | Custom pricing | Large businesses entering new markets |

  
  

2.  ### Recurly
    

In terms of AI, <a href="https://recurly.com//" rel="nofollow">Recurly</a> has introduced Explore Assistant, a natural language chat interface that allows users to generate charts and graphs from their billing data simply by typing text prompts.

For example, users can enter “Show me failed invoices each month for the past 12 months” in the Invoice Explorer, and AI will quickly produce visual reports.

Recurly also supports multiple currencies, intelligent dunning, and integrates smoothly with payment gateways and CRMs.

**Here are additional features that Recurly offers:**

-   Subscriber account portal to easily oversee customer subscriptions, billing details, and account status in one place.
    
-   Dashboards and reporting to track key metrics like subscribers, monthly recurring revenue (MRR) in real time.
    
-   Dunning campaigns to recover failed payments through automated email reminders and retry logic.
    
-   Account update tools to automatically update credit card details.
    
-   Invoice customization to personalize billing documents with your brand’s logo and colors.
    

**Pricing:**

| Plans | Pricing |
|--------------------------|------------------------------------------|
| Startup and small business| $0/month for first 3 months (new customers only) |
| Mid-market and enterprise| Get custom pricing |

  

3.  ### Stripe Billing
    

<a href="https://stripe.com/billing" rel="nofollow">Stripe Billing</a> is Stripe’s dedicated tool for B2B SaaS companies to manage subscriptions and recurring revenue.

One of its key AI-powered features is Smart Retries, which uses machine learning to automatically find the best times to retry failed payments. The system learns from patterns, like device usage and time zone preferences, to improve payment success rates without manual effort.

Beyond Smart Retries, Stripe offers Stripe Sigma, which lets teams explore billing data using SQL or simple natural language prompts, making reporting accessible to everyone.

**Here are additional features the platform offers:**

-   Invoice builder to easily create, customize, and send invoices.
    
-   Self-service customer portal to let customers manage payment details, invoices, and subscriptions securely.
    
-   Stripe Scripts to build custom billing workflows with minimal code and maximum flexibility.
    
-   Subscription schedules to automate subscription changes like pricing, upgrades, or plan transitions over time.
    

**Pricing:**

| Plan | Pricing (billed annually) |
|----------------|----------------------------------------------------------|
| Pay as you go | 0.7% of Billing volume |
| Pay monthly | Starts from $620/month |
| Custom pricing | Custom pricing for billing volume over $1M or unique business models |

  
  

4.  ### Zuora
    

<a href="https://www.zuora.com/" rel="nofollow">Zuora</a> comes with Zuora Copilot, an AI-powered chat assistant for business data. You can ask billing and analytics questions in plain language and get text answers, charts, or tables.

Beyond Copilot, Zuora comes with some billing automation features that help you to automatically create and send invoices, credit memos, and debit memos based on set billing cycles.

**Here are additional features the platform offers:**

-   Ad hoc bill runs to generate one-time or recurring invoices automatically on a daily, weekly, or monthly basis.
    
-   Automated email notifications to send timely billing updates and important documents directly to your customer’s inbox.
    
-   E-invoicing and tax compliance to help you meet global tax and invoicing regulations with pre-built integrations.
    
-   Usage metering and billing to capture, track, and monetize real-time consumption data in one unified solution.
    
-   Flexible billing models to support subscription, milestone-based, and hybrid billing to match changing market demands.
    

**Pricing:** Custom pricing

5.  ### Paddle
    

<a href="https://www.paddle.com/" rel="nofollow">[Paddle](https://www.paddle.com/)</a> is a billing platform built for SaaS businesses that want to scale globally without managing a complex payments infrastructure. One of Paddle’s key AI innovations is its chatbot, which helps users automatically get answers to product-relevant questions.

Beyond the chatbot, Paddle offers the MCP Server, which allows AI agents like Claude or ChatGPT to interact directly with Paddle’s platform through natural language commands. You can create products, update pricing, fetch subscription data, and more.

**Here are additional features the platform offers:**

-   Subscription pausing to let customers temporarily pause their subscriptions and return later.
    
-   A customer self-service portal to allow customers to download invoices, update account details, and manage their subscriptions.
    
-   Modular customer data management to track customers with multiple addresses or businesses.
    
-   Automatic invoicing emails to automatically send invoice updates, payment confirmations, and cancellations to designated contacts.
    
-   Credit note generation is used to issue official records of refunds or credits quickly and easily.
    

**Pricing:**

  

| Plan | Pricing |
|-----------------|---------------------------------------------|
| Pay-as-you-go | 5% + 50¢ per checkout transaction |
| Custom pricing | Custom pricing |

6.  ### Razorpay
    

Although <a href="https://razorpay.com/" rel="nofollow">Razorpay</a> is mostly known as a payment gateway system, it has some decent AI features that help with billing.

For example, R.A.Y., its conversational AI chatbot, quickly provides insights on settlements, invoice status, and account activity, which makes the billing management process faster.

Plus, Razorpay’s Optimizer uses AI to pick the [best payment gateway](https://xpay.postexglobal.com/) for each transaction, which means fewer failed payments and smoother billing overall.

**Here are additional features the platform offers:**

-   Automated subscription billing to easily set up and control billing cycles.
    
-   Instant subscription alerts to keep you updated on all subscription activities.
    
-   Automated reconciliation to verify that all transaction details line up correctly between your billing system, your payment gateway, and your bank statements.
    
-   Robust payment security to ensure PCI DSS compliance and third-party audits.
    
-   Multi-currency payments to accepting payments from customers around the world in their local currencies.
    

**Pricing:**

  

| Plans | Pricing |
|-----------------|----------------------------------------------------|
| Standard Plan | 0.9% + 0.5% per subscription payment (add-on) |
| Customized Plan | Custom pricing |

## Rounding up

When it comes to managing complex billing processes, AI billing software can offer real, notable advantages.

To choose the best one for your SaaS business, start by considering your company’s billing volume, your need for global tax compliance, and how much automation will make a meaningful impact.

Finally, test out a few platforms, explore their AI capabilities, and see which one best fits your growth goals and operational needs before you make the final decision.

## Frequently Asked Questions

### Does AI billing software support international payments and compliance?

Yes, most leading AI billing platforms support multi-currency transactions, global tax compliance, and international invoicing to help businesses scale globally.

### How customizable are AI billing workflows?

Platforms like Stripe and Chargebee offer APIs, low-code tools, and billing scripts that let you customize billing flows, pricing models, and customer notifications without starting from scratch.

### Can AI billing software reduce failed payments?

Yes, many AI billing tools offer smart retry mechanisms that automatically attempt for failed payments at optimal times based on customer behavior patterns, significantly improving recovery rates.

<script type="application/ld+json">
{
  "@context": "https://schema.org",
  "@type": "FAQPage",
  "mainEntity": [
    {
      "@type": "Question",
      "name": "Does AI billing software support international payments and compliance?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "Yes, most leading AI billing platforms support multi-currency transactions, global tax compliance, and international invoicing to help businesses scale globally."
      }
    },
    {
      "@type": "Question",
      "name": "How customizable are AI billing workflows?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "Platforms like Stripe and Chargebee offer APIs, low-code tools, and billing scripts that let you customize billing flows, pricing models, and customer notifications without starting from scratch."
      }
    },
    {
      "@type": "Question",
      "name": "Can AI billing software reduce failed payments?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "Yes, many AI billing tools offer smart retry mechanisms that automatically attempt for failed payments at optimal times based on customer behavior patterns, significantly improving recovery rates."
      }
    }
  ]
}
</script>

---

**Author: Mashkoor Alam**

Mashkoor has always been passionate about writing. He used to write short stories on his blog before he started writing for SaaS companies years back. He aspires to have a book under his name.

