Payment & Billing
Billing that supports recurring operations
For many organizations, the real challenge is not taking the first payment. It is handling renewals, failed payments, invoices, VAT, and follow-up over time in a way the team can actually rely on.
The fundamental challenge of subscription billing isn't taking the first payment — it's collecting every payment after that, reliably, at scale, for years. That's where most organizations struggle. Manual renewal tracking, inconsistent dunning processes, members who fall through the cracks because nobody noticed their card expired. The revenue loss is real, and it compounds over time.
Meld handles this with deep integrations into Klarna and Stripe — the payment providers your members already trust. For initial purchases, Klarna Checkout offers the checkout experience Swedes expect: card payments, bank transfers, and pay-later options, all within your branded portal. For recurring billing, Klarna Payments manages automatic charges with smart retry logic and structured dunning flows when payments fail.
For organizations that need international card support or additional payment flexibility, Stripe handles credit card processing with PCI-compliant security. Both providers work together seamlessly — you choose what's right for each use case, and Meld orchestrates the complexity behind the scenes.
Recurring revenue depends on operational reliability, not just checkout design.
Payment & Billing
Renewals run automatically every day. The system identifies expiring subscriptions, attempts charges, handles grace periods, and manages status transitions — all without manual intervention. When a payment fails, it doesn't just retry blindly. It follows a configurable schedule, notifies the member, and escalates through a structured process designed to recover revenue without alienating people.
Every transaction generates a proper invoice with correct VAT calculation. Invoices are stored as downloadable PDFs, accessible to both members and administrators. For B2B transactions, reverse charge VAT is handled automatically. Your finance team gets clean, auditable records without needing to reconcile across multiple systems.
Trial periods are first-class citizens. Configure them per subscription plan, let members experience the full product before their first charge, and trust that conversion to paid subscriptions happens automatically when trials end. No manual follow-up, no members stuck in limbo — just a clean transition that feels seamless.