Two Minute Billing runs subscription billing on top of the payment gateway you already have, so customer cards and payouts stay in your own Stripe, Adyen or PayPal account while it decides what to charge and when.

Handles subscriptions, metered usage, AI-token pricing and one-time orders on one engine, including upgrades, renewals and cancellation flows.
Flat monthly price instead of a share of revenue, with a free tier while you bill under $1,000 a month and no credit card to start.
Every feature on every plan: live and test mode, unlimited customers and team seats, REST API, docs, and a self-hosted open-source option.

Its Billy assistant builds pricing and dunning setups from a prompt, which makes it the shortest route from a pricing idea to a working checkout without handing a percentage of every sale to a billing platform.