Buy vs. Build: Your Billing Infrastructure Decision

Why This Is a Capital Decision

• Billing sits on the revenue path, so the choice affects cash collection, revenue recognition, and the reliability of every board metric you report.
• Building in-house consumes engineering capacity that could otherwise ship product, making this a question of where scarce developer time earns the highest return.
• The true cost of building is not the first version but the years of maintenance as pricing, tax rules, and payment methods keep changing.
• Frame it as the CFO and CTO would frame any allocation: expected total cost, opportunity cost, and risk over a three to five year horizon.