Subscription billing for fintech software: licence fees, entities, currencies and tax done properly
How fintech software companies bill recurring platform and licence fees in Bunny alongside transactional charges — invoiced from the right legal entity in the right currency, with sales tax and VAT calculated and payments collected by card, bank or invoice.
What makes subscription billing different for fintech software
Software sold to banks, lenders, payment companies and finance teams, where billing is transaction- or volume-based and the buyer expects audit-grade revenue reporting.
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Customers in several jurisdictions
A fintech vendor with customers in the US, UK and EU needs local entities, local currencies and correct VAT or sales tax on each invoice — usually before it has a finance team to run it.
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Enterprise payment terms
Banks and lenders pay on net-30 or net-60 by bank transfer against an invoice. Card-first billing tools treat that as an exception.
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Contracts with structure
Annual licence fees, implementation fees, minimums, and transactional rates on one agreement — often with a ramp as the customer migrates volume.
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Finance needs a subledger, not a report
Invoices, payments, credits and revenue have to land in the general ledger as journal entries per entity, not as a CSV someone re-keys.
How Bunny handles subscription billing for fintech software
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01
Multiple legal entities and currencies
With the Advanced Billing add-on, customers are invoiced by the correct legal entity in their currency, with account hierarchies for groups with several subsidiaries.
Multi-entity billing -
02
Sales tax and VAT
Tax on quotes and invoices is calculated through Avalara AvaTax or Kintsugi based on the tax code of each product and the customer's location.
Kintsugi integration -
03
Recurring and transactional on one subscription
Licence fees, minimums and per-transaction charges are charges on one subscription and one invoice, each with its own pricing model.
Transaction-based billing for fintech -
04
Invoiced terms, bank and card payment
Net-terms invoicing with dunning for enterprise customers, and Stripe and Plaid for card and bank payment where customers prefer it.
Plaid integration -
05
Ramps and one-time fees on the quote
Implementation fees, ramped licence fees across a migration period and negotiated rates are set on the quote and become the invoice schedule.
Ramp deals -
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Ledger sync to QuickBooks and Xero
Bunny imports the chart of accounts and pushes journal entries for invoices, payments, credits and revenue per entity.
Xero integration
Structure first, volume second
Fintech vendors often assume the hard part of billing is the transactional meter. In practice the meter is one charge; the harder part is the structure around it — which entity invoices which customer, in what currency, with what tax, on what terms, and how it reaches the ledger. Getting that wrong creates work for finance every month, whereas getting the meter wrong creates a dispute once.
Bunny handles the structure in the catalog and account model, and the transactional piece as a usage charge on the same subscription. Revenue recognition then runs on the result.
More Bunny for fintech software
See everything on the Fintech overview, or read about subscription billing in Bunny in general.
Subscription billing for other industries
The same workflow, written up for other kinds of B2B SaaS. Browse all industries.
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