Softwr

Accounting · head to head

Chargebee vs Qonto

Chargebee logo

Chargebee

Accounting

Subscription billing & revenue management

From
Free
Rated
-
Full reviewWebsite
Qonto logo

Qonto

Accounting

French neobank and finance management platform for freelancers, SMEs and businesses

From
€9/month
Rated
-
Full reviewWebsite

The short version

  • Only Chargebee has a free tier, so it costs nothing to try first.
  • Each has a real cost: Chargebee priced as a percentage of billing, 0.80 percent on pay-as-you-go or 0.65 percent plus $99 a month on the committed plan, so the fee rises with revenue; Qonto pricing in EUR only, not USD
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Chargebee and Qonto actually diverge.

Attributes where Chargebee and Qonto differ
AttributeChargebeeQonto
Starting priceFree€9/month
Pricing modelusage-basedsubscription
Free tierYesNo
PlatformsWeb, ApiWeb
Founded2011Unknown

Identical on both: user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Chargebee

  • Subscription management
  • Recurring billing
  • Revenue recognition
  • Dunning management
  • Checkout pages
  • Stripe
  • PayPal
  • Salesforce

Only in Qonto

Nothing recorded that Chargebee does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Chargebee

  • Subscription billingnot Qonto
  • Revenue operationsnot Qonto
  • Pricing experimentationnot Qonto

Qonto

  • Business bankingnot Chargebee
  • Team paymentsnot Chargebee
  • Cash flow managementnot Chargebee
  • Multi-currency transfersnot Chargebee
  • Freelancer paymentsnot Chargebee

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Chargebee

  • Priced as a percentage of billing, 0.80 percent on pay-as-you-go or 0.65 percent plus $99 a month on the committed plan, so the fee rises with revenue
  • Split into four separate product lines, Billing, CPQ, RevRec and Growth, each with its own tiers and most quote-only
  • CPQ Lite is free only for the first 50 quotes
  • Revenue recognition pricing is demo-only
  • Enterprise Plus requires an annual commitment

Qonto

  • Pricing in EUR only, not USD
  • Basic tier limited to 30 transfers per month
  • Add-ons for invoice automation and project tracking cost EUR 12-39/month extra
  • Business tier minimum commitment for small team accounts
  • Business plan minimum pricing EUR 49/month vs self-employed EUR 9/month

Pricing, plan by plan

Chargebee

Free
  • Flow (Billing)Free
    • Usage-based billing: $0.80% for first $20K invoicing volume
    • Then $99 + 0.65% for higher volumes
    • Includes 100M usage events per month
  • CPQ LiteFree
    • Free for first 50 quotes
  • Growth (Starter)Free
    • Free exclusively for Chargebee Billing customers

Qonto

€9/month
  • Basic (Self-Employed)$9/month
    • 30 transfers
    • 1 physical + 2 virtual cards
    • Account remuneration 5% for 2 months
  • Smart (Self-Employed)$19/month
    • 100 transfers
    • 2 physical + 50 virtual cards
    • Account remuneration
  • Premium (Self-Employed)$39/month
    • 200 transfers
    • 2 physical + 50 virtual + 50 Instant cards
  • Essential (Business)$49/month
    • 250 transfers
    • 5 physical + 50 virtual cards
    • Multiple sub-accounts

Which should you pick?

Choose Chargebee if

  • You need subscription management.
  • You want to start without paying.
  • You work on Web, Api.
  • You also want recurring billing.
Chargebee review

Choose Qonto if

Nothing in the data separates Qonto from Chargebee on the points above - pick on price and on how each one feels to use.

Qonto review

Questions people ask

Is Chargebee or Qonto better?
Neither clearly leads. Chargebee starts at Free and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Chargebee or Qonto?
Chargebee has a free tier; the other does not. Paid plans start at Free for Chargebee and €9/month for Qonto.
Does Chargebee or Qonto run on more platforms?
Chargebee runs on Web, Api. Qonto runs on Web.
Can I use Chargebee for free?
Yes. Chargebee has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Chargebee best used for?
Chargebee is most often used for subscription billing, revenue operations, pricing experimentation. Of those, subscription billing and revenue operations are not what Qonto is typically brought in for.
What can Chargebee do that Qonto cannot?
Chargebee covers Subscription management, Recurring billing, Revenue recognition, Dunning management.

Answered from the vendors’ own pages

Chargebee: What does Chargebee Billing cost?

Chargebee Billing (Flow plan) starts free with usage-based fees: 0.80% for the first $20K in monthly invoicing volume, then $99 monthly + 0.65% for higher volumes. Includes 100M usage events per month.

Source
Qonto: How much does Qonto cost?

Qonto's self-employed plans range from EUR 9/month (Basic) to EUR 39/month (Premium). Business plans range from EUR 49/month (Essential) to EUR 199/month (Enterprise).

Source
Chargebee: Can I try Chargebee for free?

Yes. Chargebee Billing Flow plan starts at $0 with usage-based fees. CPQ Lite is free for the first 50 quotes. Growth (Starter) is free for Chargebee Billing customers.

Source
Qonto: What is included in Qonto's Basic plan?

The Basic plan costs EUR 9/month and includes 30 monthly transfers, 1 physical card and 2 virtual cards, plus account remuneration at 5% for the first 2 months.

Source
Chargebee: How much does Chargebee's advanced modules cost?

RevRec and Enterprise CPQ require booking a demo or requesting a quote. No list pricing is published for these modules.

Source
Qonto: What is the difference between self-employed and business plans?

Self-employed plans (Basic to Premium) are for individuals and cost EUR 9-39/month. Business plans (Essential to Enterprise) offer more transfers and cards for teams, ranging from EUR 49-199/month.

Source
Share

Related pages

More on Chargebee

More on Qonto

Keep looking

Other head to heads