Kelviq - Payments, tax, and billing for SaaS & AI companies

@prashant_mahajan Thanks, Prashant!

@imad_elkhafi Right now, Kelviq is focused on web payments and web-based subscriptions. We don't directly support Apple/Google in-app subscriptions yet.

@campritchard Thanks, Cam!

Pricing should be owned by the product,GTM team, not blocked by engineering tickets.

That's one of the main reasons we built Kelviq.

@tjclayton It's a comparatively easy process with Stripe. We'd mainly need to review your current pricing structure and plan setup to ensure a smooth migration.

@tjclayton 

Thank you!

For teams already on Stripe, we can help migrate products, plans, customers, subscriptions, discounts, and payment methods where supported.

Since Stripe supports PCI-compliant payment method migration, your existing customers usually don’t need to re-enter their card details.

Happy to take a look at your current setup and suggest the cleanest path.

@natalia_iankovych Thanks! Totally fair question.

Stripe is great, and we use Stripe under the hood for core payments.

The main difference is that Stripe gives you payment building blocks. If you use Stripe directly, you still need to build and maintain the billing infrastructure around it: subscription state, usage metering, credits, feature access, customer access logic, upgrades, downgrades, plan changes, migrations, and edge cases.

Kelviq packages all of that into one system. On top of that, Kelviq acts as your Merchant of Record, so we also handle global tax, compliance, disputes, and related responsibilities.

If you want Stripe to handle the MoR side, their Managed Payments fee is 3.5% on top of regular processing, fee goes to a minimum of 6.4% + 30¢.

Kelviq gives you the MoR layer plus the billing infrastructure for 3.5% + 40¢ per transaction.

So if you only need payment processing, Stripe is a great choice. If you want payments, MoR, and billing infrastructure handled together, that's where Kelviq helps.

@rivra_dev 
We've registered in EU for tax remittance, so we handle the VAT OSS filings and reverse charges ourselves.

In the US, we manage the various state nexus thresholds and collect/remit sales tax on behalf of our users.

Regarding digital delivery: yes, the billing logic is tightly coupled. Once the payment is verified, the system triggers the delivery webhook, sends an email notification and grants access immediately, so there's no manual 'hand-off' needed.

@sandra_jirongo Hi Sandra, thank you!

The key difference is that 2.9% + 30¢ is usually just payment processing. It does not include the full Merchant of Record layer.

With a payment processor, you still need to handle global tax, VAT/GST, compliance, disputes, chargebacks, invoicing, subscription logic, and billing infrastructure yourself.

And most MoR providers charge around 5% to 10%.

Kelviq's 3.5% + 40¢ includes Merchant of Record, payments, global tax compliance, subscriptions, usage-based billing, entitlements, license keys, digital delivery, and customer portal in one system.

@asti_pili Oops! Just noticed. Looks similar :)

@feiyou_guo Yes, Kelviq has built in usage metering.

@gauravthapa Thanks Gaurav!