Maxio, the leading platform for billing automation and revenue management for B2B SaaS and AI companies, announced the launch of surcharging in Maxio Payments, the first native solution built specifically for subscription businesses. The new capability enables SaaS and AI companies to stop absorbing credit card processing fees and recover those costs directly within their existing billing workflows.

Credit card fees have been a silent tax on SaaS and AI companies, said Branden Jenkins, CEO at Maxio. Our customers needed a smart way to address this. So we built the only native solution that lets companies take that cost back.

For high-volume B2B subscription businesses, credit card processing fees of 2-4% per transaction add up quickly, often representing hundreds of thousands of dollars in annual margin erosion.

Competing approaches typically rely on third-party providers or acquired add-ons, leading to inconsistent surcharge experiences, extra fees, and fragmented reporting that finance teams must manually reconcile. Maxio's surcharging is built natively into the billing platform, giving subscription businesses a single, consistent experience across every flow.

With Maxio, companies can configure their surcharge rules and apply them consistently across invoice payment, billing portal flows, and self-service checkout. Buyers who prefer to avoid the surcharge are offered ACH as an alternative, which carries lower processing costs. Charges are shown transparently before payment, giving buyers a clear choice and improving acceptance rates. Recovered fees are automatically mapped against merchant fees, giving finance teams clean, audit-ready reporting.

“Credit card fees have been a silent tax on SaaS and AI companies,” said Branden Jenkins, CEO at Maxio. “Our customers needed a smart way to address this. So we built the only native solution that lets companies take that cost back — automatically and without touching a line of code.”

Surcharging rules vary by state and card brand, and getting them right is critical. Maxio Payments gives companies configurable controls for state-level, national, and card-brand-specific rules so fee policies can remain compliant across every billing and payment flow.