Chargebee Erfahrungen
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89 Bewertungen
- Branche: Computer-Software
- Unternehmensgröße: 51–200 Mitarbeiter
- Täglich für Mehr als 1 Jahr genutzt
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Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 7.0 /10
SaaS Billing Tool für Massengeschäft
Bewertet am 30.8.2023
Top Lösung für Massengeschäft ala Netflix oder Spotify, daher für teilweise individuelles B2B...
Top Lösung für Massengeschäft ala Netflix oder Spotify, daher für teilweise individuelles B2B Geschäft nicht optimal. Großer Funktionsumfang der aber auch seinen Preis hat. Mit dem Support sind wir nicht immer zufrieden.
Vorteile
Die Automatisierung und Integration in Zahlungsabwickler wie Stripe funktioniert gut. Top Auswertemöglichkeit für die gängigen SaaS KPIs.
Nachteile
Für unser B2B Geschäft ist die Individualisierung der Abos nicht ausreichend. Außerdem sind die Prognosefunktionen für Umsatz etc.nicht gut.
- Branche: Computer- & Netzwerksicherheit
- Unternehmensgröße: 2–10 Mitarbeiter
- Täglich für Mehr als 1 Jahr genutzt
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Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 9.0 /10
Our perfect subscription manager
Bewertet am 2.11.2018
Vorteile
We rely on Chargebee to manage subscriptions to our product. It's easy to use and to be integrated, and offers many features such as invoicing, TAX calculator based on location, several plans, offline payments, etc. Customer Support is great and they always hear what you say.
Besides managing your subscriptions, it does something very important. By using their payment form on your website, you can easily integrate with several payment processors. This is especially important if you have payments that have been rejected by one processor and you can send them to another processor. It also reduces the dependency on one single processor.
Nachteile
The only thing that comes to mind is that the invoices it produces are not legal in some countries. For instance, in my country, invoicing software needs to be certified and to produce a SAF-T file with all invoices, that we need to submit to tax authorities. Since Chargebee doesn't do any of that, I need to have a separate invoicing platform.
- Branche: Informationstechnologie & -dienste
- Unternehmensgröße: 11–50 Mitarbeiter
- Täglich für Mehr als 1 Jahr genutzt
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Quelle der Bewertung
Gesamtbewertung
- Bedienkomfort
- Weiterempfehlungsquote 7.0 /10
My ChargeBee experience. Not great, not really bad either.
Bewertet am 19.10.2023
All in all, it wasn't a terrible experience, but the issues that we experienced (with some not...
All in all, it wasn't a terrible experience, but the issues that we experienced (with some not completely on ChargeBee, but shared with Microsoft) didn't allow my experience to be great either. But what I can say is that once they iron out those integration issues with Partner Center, I don't foresee having any negative experiences going forward.
Vorteile
The best way I can summarize what I liked about ChargeBee comes down to with the amount of available features, still having a minimalistic aesthetic to it. Not a lot of unnecessary clutter that isn't useful, just all the stuff you need, and none of the stuff you don't.
Nachteile
Everything related to invoicing. Now, I will note that our issues could have just been tied to issues related to limitations with Microsoft Partner Center subscription portal integration and ChargeBee. That being said, we had constant issues with the way invoices detailed how our customers were being charged and what was being credited, leading to long conversations with my customers explaining what they were reading.
- Branche: Bekleidung & Mode
- Unternehmensgröße: 11–50 Mitarbeiter
- Täglich für Mehr als 2 Jahre genutzt
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Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 0.0 /10
A deeply regrettable & expensive experience
Bewertet am 16.11.2023
Our experience with Chargebee has been nothing short of a nightmare. The first implementation...
Our experience with Chargebee has been nothing short of a nightmare. The first implementation consultant we were assigned was utterly incompetent, providing no solutions and merely directing us to irrelevant API documentation. They showed no interest in understanding our use case or reviewing our documents and user flows.
During our weekly calls, I was left to fend for myself, presenting configurations that didn’t work and proposing solutions that were met with dismissive responses. It became painfully clear that this consultant, an external contractor, was more interested in passing the buck than in providing any real assistance.
Our pleas for help fell on deaf ears, with emails left unanswered for weeks on end. When we requested a new implementation consultant, we were unaware that this was merely a symptom of a larger problem: Chargebee’s complete disregard for their customers.
Our second consultant was a breath of fresh air, taking the time to understand our use case and helping us find a working solution. However, the migration package we purchased was a complete waste of money, offering little more than a suggestion to read the error messages and make the necessary changes.
Fast forward to today, and we are still grappling with an open ticket from [sensitive content hidden]. The configuration that Chargebee sold us has proven to be a complete disaster. Following an update in August, our instance has been plagued with errors, causing serious issues for our customers.
To add insult to injury, we were informed that the features of the solution we purchased nine months ago do not work together. This was news to us, as none of their documentation suggested this. Despite presenting examples of both successful and failed system operations, Chargebee has failed to provide a replicable explanation of our current configuration’s behavior.
The most alarming part of this ordeal is the frequency with which we have had to chase them for updates, only to be met with silence, followed by a call in which we are blamed for not testing the configuration properly.
Chargebee has refused to provide a written explanation of how the code should behave to this day. They have refused my ask to further go over our examples and truly understand our use case.
If you’re looking for a service that will lie to you, ignore you, and treat you like a fool, then look no further than Chargebee. Their approach to customer service and business conduct is nothing short of appalling.
Vorteile
It is quite intuitive and easy to use.
Nachteile
The team at Chargebee has proven to be nothing short of a disaster. They treat you with utter disregard, blatantly lying to you and leaving your emails unanswered for weeks on end. When you finally manage to get a response, they lure you into a call under the pretense of prioritizing your concerns, only to leave you in the lurch once again. This vicious cycle of neglect continues unabated, while you are left to deal with the fallout of their incompetence, losing customers in the process. Their behavior is not just unprofessional, it’s downright disgraceful.
- Branche: Computer-Software
- Unternehmensgröße: 11–50 Mitarbeiter
- Täglich für Mehr als 2 Jahre genutzt
-
Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 10.0 /10
Basically, perfect in all aspects
Bewertet am 24.1.2019
We're ourselves are SaaS product, and use Chargebee as a backend for our payments and billing. We...
We're ourselves are SaaS product, and use Chargebee as a backend for our payments and billing. We extensively use addons and various combinations of subscription plans.
I couldn't name another product that I would be that happy with as I am with Chargebee.
Vorteile
- Perfect UX/UI: all the filters, mass operations, detailed settings are available just as I need them, never think a second where to find a function I need
- Great API & integration support
- Very powerful analytics (especially with RevenueStory)
- Awesome support
- A very, very carefully and thoughtfully planned interface with a deep understanding of the user.
Nachteile
I faced literally two issues through the course of 6 years using Chargebee in production.
- Branche: Computer-Software
- Unternehmensgröße: 51–200 Mitarbeiter
- Täglich für Mehr als 2 Jahre genutzt
-
Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 9.0 /10
Easy Subscription Management
Bewertet am 25.2.2021
It has been useful to set up our automated subscription plans. Creating different plans, promos,...
It has been useful to set up our automated subscription plans. Creating different plans, promos, and payment methods were quite easy.
Vorteile
Chargebee makes it very easy to set up automatic billing, subscription creation, and setting up promos for our customers. The interface is fairly straightforward to navigate and they connect with much of our tech stack, which helps streamline workflows.
Nachteile
Not much to not like. There are a lot of settings, such as reminders and notifications that you need to make sure you set up if you want to stay on top of your billing. Once they are set up, they are very helpful!
- Branche: Telekommunikation
- Unternehmensgröße: 51–200 Mitarbeiter
- Täglich für Mehr als 1 Jahr genutzt
-
Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 9.0 /10
Great product and even better Customer Support
Bewertet am 4.10.2022
We are efficient in new client onboarding and subscription processes because of Chargebee. We were...
We are efficient in new client onboarding and subscription processes because of Chargebee. We were manually raising invoices before but with Chargebee the process is simplified and very effective.
Vorteile
We have a SMB and Enterprise Sales team and use Chargebee for accounting and subscription purposes to great effect. Invoicing a new client is very easy and UI is super fluid. We have raised a couple of tickets when we encountered bugs but their Customer Success team got in touch with us and solved it within a day.
Nachteile
There were bugs (duplicate invoice created, client email not registering etc) these happen more frequently than we'd like. It's not that much of a problem because they get resolved super quick
- Branche: Informationstechnologie & -dienste
- Unternehmensgröße: 11–50 Mitarbeiter
- Täglich für Mehr als 1 Jahr genutzt
-
Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 10.0 /10
Best tool for billing and recurring
Bewertet am 23.12.2022
Vorteile
As a business owner, I know how hard it is to manage the bill. Chargebee makes the process seamless and easy. It's great for recurring subscriptions and provides the best customer service experience. Chargebee is the best billing and recurring tool I've ever used. The interface is clean and easy to use, plus it has a lot of features that make it worth the price. I love that they have integrations with so many other platforms, like Slack or Zapier. It's really helped us save time on our billing process in particular.
Nachteile
I don't have any complaints at this time.
- Branche: Computer-Software
- Unternehmensgröße: 11–50 Mitarbeiter
- Täglich für Mehr als 1 Jahr genutzt
-
Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 8.0 /10
Reliable recurring billing platform
Bewertet am 13.9.2018
Vorteile
Chargebee is a very effective platform for recurring billings. It allows you to create plans, addons, coupons, and invoice reliably time and again.
Nachteile
Complex billing situations, such as sending a customer a single invoice for several subscriptions, are a bit more complex and require a lot of meddling with the system.
Antwort von Chargebee
Hi Peter,
Thank you for your review :)
We do have a feature called Consolidated Invoicing that provides the functionality to consolidate and send out a single invoice for multiple subscriptions of a customer. We will send out a detailed email to you on this feature at the earliest.
- Branche: Bildungsmanagement
- Unternehmensgröße: 51–200 Mitarbeiter
- Täglich für Mehr als 1 Jahr genutzt
-
Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 8.0 /10
It's a useful application if you have the significant large volume of customers for Invoicing
Bewertet am 14.6.2018
Saving lots of time in Invoicing to the customer.
Saving lots of time in Invoicing to the customer.
Vorteile
The application is Subscription enabled. So if the monthly billing amount is same then the subscription will create Invoices every month automatically without manual involvement.
Nachteile
Sometimes due to system error invoices get created and get paid, which is not in order. I cannot bill single customer from to supplier.
Antwort von Chargebee
Hi there,
Thank you for your review :) We¿re glad that you find our product useful.
Regarding invoicing due to system errors, I would like to understand more on this. Could you please send me your email address so we get in touch with you on this?
- Branche: Informationsdienst
- Unternehmensgröße: 11–50 Mitarbeiter
- Monatlich für Mehr als 2 Jahre genutzt
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Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 10.0 /10
Best SaaS subscription billing platform
Bewertet am 13.12.2022
Vorteile
I have been using Chargebee for over a year now and I am completely in love with it. It's the best SaaS subscription billing platform out there and I would highly recommend it to anyone looking to start a subscription based business. The customer service is also fantastic, they are always available to help and their responses are quick.
Nachteile
Some of configuration is complex to understand. But thier customer support is quick to help us.
In Betracht gezogene Alternativen
Stripe- Branche: Finanzdienstleistungen
- Unternehmensgröße: 2–10 Mitarbeiter
- Täglich für Mehr als 2 Jahre genutzt
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Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 2.0 /10
Just Stay Away
Bewertet am 24.6.2020
I do not recommend them to avoid at all costs sign up for the free trial and process your first...
I do not recommend them to avoid at all costs sign up for the free trial and process your first $50k free then move on to another company.software because once you start making money they will ask for a percentage of the money you collect. WHy do they think they are supposed to get paid a percentage of our moneyy?
Vorteile
The software is compatible with zapier which makes it easy to connect to other apps. or programs.
Nachteile
This company is based in the Philippines so the customer support for US-based customers is almost nonexistent. The online chat support is a complete joke because they just enter in "tickets" and never one ever follows up with you regarding an issue or concern. Once I sat down to track the payments that were being processed and the payments "could not authorize payment" but the system was marking the payments as paid. So customers are confused as too why they got an email says they paid but no payments removed from their account. The revenue story is unreliable and I have had to hire someone just to go inside of Chargebee to make sure the payments actually processed. Can you imaging hiring someone to double-check software?
- Branche: Internet
- Unternehmensgröße: 11–50 Mitarbeiter
- Täglich für Mehr als 2 Jahre genutzt
-
Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 2.0 /10
Good only if you use the default set-up
Bewertet am 17.3.2021
In the beginning was very nice, but the more I use the product, the less I like it. We are...
In the beginning was very nice, but the more I use the product, the less I like it. We are considering moving to a different provider even if this will require to re-implement all our payment process.
Vorteile
At the beginning, when we started using this software, the setup was quite easy and just following their online documentation we could set up everything in our project.
Nachteile
Things started to go wrong when we try to use a more advanced implementation using their API. Integration with Hubspot was a mess, but we manage to fix that. On the other hand, 3DS implementation is very poorly documented if you don't use their in-house components. The support team is one of the worst I've encountered, they give you contradictory explanations, they don't even properly read the information you provide and it's very difficult to get the level 2 support.
- Branche: Bildungsmanagement
- Unternehmensgröße: 1.001–5.000 Mitarbeiter
- Wöchentlich für Mehr als 2 Jahre genutzt
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Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 8.0 /10
Great platform for billing and subscription.
Bewertet am 7.12.2022
Overall, Chargebee is a great billing solution and I would recommend it to anyone!
Overall, Chargebee is a great billing solution and I would recommend it to anyone!
Vorteile
There are many things that I like about Chargebee, but the thing that I like most is the fact that it makes billing easy. No more worrying about whether or not I am being charged the right amount, or if I am being charged at all. Chargebee takes care of all of that for me, and all I have to do is sit back and relax.
Nachteile
I think that Chargebee is a good product but there are definitely some areas that could be improved. Sometimes payment gateway doesn't load and it show error which is bit frustating.
- Branche: Informationstechnologie & -dienste
- Unternehmensgröße: 2–10 Mitarbeiter
- Täglich für Mehr als 1 Jahr genutzt
-
Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 10.0 /10
Excellent product and service
Bewertet am 30.8.2022
It's been great to have more than an API as our billing provider. CB is a true partner.
It's been great to have more than an API as our billing provider. CB is a true partner.
Vorteile
Chargebee makes it painless to manage subscription billing on top of a payment processor or gateway, along with a modern interface from a team that "gets" SaaS. But the best part is their attention to you as a customer and their willingness to meet or exceed your expectations repeatedly. As a startup, this is invaluable.
Nachteile
As with any critical service, there are occasional data migrations or updates that must be navigated, but the CB team has always made this as easy as possible.
- Branche: Computer-Software
- Unternehmensgröße: 11–50 Mitarbeiter
- Täglich für 6-12 Monate genutzt
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Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 10.0 /10
Recurring subscriptions made easy
Bewertet am 13.11.2016
A fantastic tool which makes it really easy to handle all your subscriptions in one place....
A fantastic tool which makes it really easy to handle all your subscriptions in one place.
Integrate it with the API and you can quickly start charging your customers on any period that you want. With smart and simple integrations to payment gateways you will see money on your account directly and you don't need to handle the credit card information.
New product and coupons is simply added and managed in the interface.
Looking forward to explore the tool even more.
Vorteile
Easy to use
Simple setup
Great support
Nachteile
Missing the possibility to be able to add multiple invoice rovs to an invoice.
- Branche: Tierarzt
- Unternehmensgröße: 51–200 Mitarbeiter
- Täglich für 1-5 Monate genutzt
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Quelle der Bewertung
Gesamtbewertung
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 8.0 /10
Great for startups
Bewertet am 19.4.2022
Every interaction with them has been great. They are always friendly and helpful, responding in the...
Every interaction with them has been great. They are always friendly and helpful, responding in the appropriate amount of time based on the request.
Vorteile
It is really helpful to have a place to start with all the templates and architecture. I was able to configure everything myself with no need for a developer.
Nachteile
Although it is a good thing that you can't just go in and delete things, the "archive" function still shows the custom fields to choose from in the email templates. Later in time, someone else may not know not to use it.
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Quelle der Bewertung
Gesamtbewertung
Great API Docs and Fantastic customer support
Bewertet am 2.1.2013
I first heard of Chargebee after doing some trial integration of both Chargify and Spreedly with...
I first heard of Chargebee after doing some trial integration of both Chargify and Spreedly with our new SaaS app rocketmailmerge.com. A quick look over their API documentation and we were off to work integrating their system with our billing and customer management. Chargebee's API was very easy to integrate, it took only 1 day to get up and running on their sandbox due to their great example code.
As an Australian Startup it's very difficult to find a payment manager that can connect to a payment gateway to process USD. Fortunately Chargebee integrates with both Worldpay and eWay. We use Worldpay as our payment gateway so it was paramount that our payment manager supported them. Not only do they support them but about 25 other payment gateways should we ever need to change payment gateways.
Chargebee's fees are dirt cheap which makes it a great option for startups who are bootstrapping their building. Their pricing is very competitive and was the best I could find on the market.
The team at Chargebee are very helpful and always respond quickly to support emails. Any questions we've had have been answered in detail and the team is a pleasure to communicate with. I will be using and recommending the Chargebee billing platform for all my future projects.
- Branche: E-Learning
- Unternehmensgröße: 2–10 Mitarbeiter
- Täglich für Kostenlose Testversion genutzt
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Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 8.0 /10
[SENSITIVE CONTENT] helped me alot during the onboarding!
Bewertet am 8.6.2022
Vorteile
Great to integrate into any website builder
Nachteile
Difficult to configure but the onboarding process with the engineer fix this issue
- Branche: Umweltdienstleistungen
- Unternehmensgröße: 51–200 Mitarbeiter
- Wöchentlich für 1-5 Monate genutzt
-
Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 8.0 /10
Simplified Subscription Management and Billing
Bewertet am 8.7.2023
Assess whether Chargebee offers the necessary features and functionalities to meet my specific...
Assess whether Chargebee offers the necessary features and functionalities to meet my specific subscription management and recurring billing requirements. Consider factors such as the ability to handle different pricing models, automate invoicing, and integrate with other systems.
Vorteile
Chargebee automates the billing process for recurring subscriptions, saving businesses time and effort. The platform generates invoices, handles payment collection, and manages subscription renewals seamlessly.
Nachteile
I have found that Chargebee has a learning curve, particularly for users who are not familiar with subscription management or billing platforms. It may take time to understand all the features and functionalities of the platform.
- Branche: Informationstechnologie & -dienste
- Unternehmensgröße: 11–50 Mitarbeiter
- Täglich für 1-5 Monate genutzt
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Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 9.0 /10
An essential tool to avoid a mess in your monthly and yearly subscriptions over time.
Bewertet am 8.9.2020
Vorteile
Robust platform from which you can build a large customer base with different types of subscriptions. High level of customization. The information is well structured. It does integrate well with Stripe.
Nachteile
The UI could be sexier and the learning curve is steep. Sometimes, it is not intuitive and rely a lot on our IT team to support us internally.
- Branche: Gesundheit, Wellness & Fitness
- Unternehmensgröße: 2–10 Mitarbeiter
- Täglich für 1-5 Monate genutzt
-
Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 9.0 /10
Great platform
Bewertet am 16.9.2024
Vorteile
The easy of using the organ for a new user
Nachteile
The over all set of and to speak with customer service
- Branche: Informationstechnologie & -dienste
- Unternehmensgröße: 2–10 Mitarbeiter
- Täglich für 1-5 Monate genutzt
-
Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 10.0 /10
Excellent product!
Bewertet am 16.8.2016
Chargebee is excellent for subscription businesses who need to manage their payments and invoices. ...
Chargebee is excellent for subscription businesses who need to manage their payments and invoices. I would strongly recommend trying it out. It's extremely easy to use. Should you run into any issues, their support team is amazing and very responsive.
Vorteile
Extremely easy to get set up and start taking payments.
Nachteile
A Xero integration would be useful, which they have built and are currently testing.
- Branche: Marketing & Werbung
- Unternehmensgröße: 201–500 Mitarbeiter
- Wöchentlich für 1-5 Monate genutzt
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Quelle der Bewertung
Gesamtbewertung
- Bedienkomfort
- Weiterempfehlungsquote 8.0 /10
Chargebee first hand experience review
Bewertet am 21.4.2023
Vorteile
I like that it's simple to use and rich in features. It offers an easy-to-use user interface, good customer service, and is very configurable. Also, it works with any payment method and supports numerous currencies.
Nachteile
The setup process can be time-consuming sometimes, but still manageable.
- Branche: Einzelhandel
- Unternehmensgröße: Selbstständig
- Wöchentlich für 1-5 Monate genutzt
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Quelle der Bewertung
Gesamtbewertung
- Preis-Leistungs-Verhältnis
- Bedienkomfort
- Kundenbetreuung
- Weiterempfehlungsquote 3.0 /10
It's an Okay Product
Bewertet am 16.8.2018
Their customer support team was always slow on getting back to People and they never wanted to just...
Their customer support team was always slow on getting back to People and they never wanted to just provide you the answers you need, They always wanted to schedule a call back
Vorteile
That I could start subscriptions for my customers and also invoice them with their profile(accounts).
Nachteile
It stinks as I could not have a hosted payment portal for my customers to make payments and manage their accounts. Their software is heavily into coding and having the coding experience. It's definitely something not worth my money
