billingwatch 1.0.0

Self-hosted Stripe billing anomaly detector — catch duplicate charges, fraud spikes, and silent lapses in real time.

🔍 BillingWatch — Self-Hosted Stripe Billing Anomaly Detector

Catch billing bugs, dunning failures, and fraud before they hit your churn metrics — entirely on your own machine.

BillingWatch listens to your Stripe webhook stream and runs 7 real-time anomaly detectors against every event. Duplicate charges, revenue drops, fraud spikes, silent subscription lapses — detected and alerted in seconds. No cloud subscription. No SaaS fees. No data leaving your server.

---

🤔 Who Is This For?

• SaaS founders who want billing QA without paying for another tool
• Indie developers using Stripe who've been burned by silent billing failures
• Privacy-conscious teams who don't want their revenue data on someone else's server
• DevOps engineers who need webhook observability without a full APM stack

---

✨ What It Detects

Detector	What It Catches	Severity
charge_failure_spike	Failure rate > 15% over 1 hour — gateway issue or card BIN attack	🔴 High
duplicate_charge	Same customer charged twice within 5 min — idempotency bug	🚨 Critical
fraud_spike	Dispute/chargeback rate exceeds threshold — active fraud campaign	🚨 Critical
negative_invoice	Invoice total < 0 — broken promo stacking or discount bug	🟡 Medium
revenue_drop	MRR > 15% below 7-day rolling average — silent churn or billing break	🔴 High
silent_lapse	Active subscription with no successful payment in period	🟡 Medium
webhook_lag	Events arriving > 10 min late — Stripe delivery degradation	🟢 Low

When a detector fires, BillingWatch sends alerts via email and/or outbound webhook.

---

🆚 Why Not Just Use [Datadog / Baremetrics / Stripe Radar]?

	BillingWatch	Datadog	Baremetrics	Stripe Radar
Cost	Free (self-hosted)	5+/mo	29+/mo	Built-in (limited)
Your data leaves your server?	❌ Never	✅ Yes	✅ Yes	✅ Yes
Custom anomaly logic	✅ Full control	Partial	❌	❌
Stripe-specific detectors	✅ 7 built-in	❌ General	❌ Metrics only	❌ Fraud only
Self-hostable	✅ Yes	❌	❌	❌
Alert destinations	Email + webhook	Many	Email	Dashboard only

BillingWatch is for makers who want billing QA (not analytics) with zero SaaS lock-in.

---

🚀 Quick Start

⚡ One-Click Deploy on Railway

No local setup required. Railway will prompt for your STRIPE_SECRET_KEY and STRIPE_WEBHOOK_SECRET on deploy.

☁️ One-Click Deploy on Render

Free tier available. Render will read render.yaml automatically and prompt for env vars on first deploy.

Requirements

• Python 3.9+
• A Stripe account (test mode is fine)
• Stripe CLI (optional — for local webhook forwarding)

Install

git clone https://github.com/rmbell09-lang/BillingWatch.git
cd BillingWatch
python3 -m venv .venv
source .venv/bin/activate
pip install -r requirements.txt

Configure

cp .env.example .env

Minimum config for local dev:

STRIPE_SECRET_KEY=sk_test_PLACEHOLDER
STRIPE_WEBHOOK_SECRET=dev
APP_ENV=development
LOG_LEVEL=DEBUG
PORT=8000

Note: STRIPE_WEBHOOK_SECRET=dev bypasses signature verification. Never use in production.

Run

source .venv/bin/activate
STRIPE_WEBHOOK_SECRET=dev uvicorn src.api.main:app --reload --port 8000

Verify

curl http://localhost:8000/health
# {"status": "ok"}

curl http://localhost:8000/webhooks/detectors
# Lists all 7 registered detectors

Send a Test Event

curl -s -X POST localhost:8000/webhooks/stripe \
  -H 'Content-Type: application/json' \
  -H 'Stripe-Signature: dev' \
  -d '{
    "id": "evt_test_001",
    "type": "charge.failed",
    "created": 1709599200,
    "data": {"object": {"id": "ch_001", "customer": "cus_001", "amount": 2999}}
  }'

Or with Stripe CLI for real test events:

stripe listen --forward-to localhost:8000/webhooks/stripe
stripe trigger charge.failed

---

📡 API Reference

Endpoint	Method	Description
/health	GET	Health check
/docs	GET	Interactive Swagger UI
/webhooks/stripe	POST	Stripe event ingestion
/webhooks/alerts	GET	Recent anomaly alerts
/webhooks/detectors	GET	Registered detectors list
/metrics	GET	total_events, events_by_type, uptime_seconds, detector_count
/metrics?window_hours=N	GET	Rolling window metrics (0.1–168h)
/metrics/detectors	GET	Per-detector alert counts + severity
/metrics/recent-events	GET	Most recent webhook events

---

🏗️ Architecture

Stripe Webhooks
      │
      ▼
 FastAPI (port 8000)
      │
      ├─── Signature Validation (Stripe-Signature header)
      │
      ├─── Event Store (SQLite / PostgreSQL)
      │
      └─── Detector Pipeline (parallel evaluation)
                │
                ├─── charge_failure_spike
                ├─── duplicate_charge
                ├─── fraud_spike
                ├─── negative_invoice
                ├─── revenue_drop
                ├─── silent_lapse
                └─── webhook_lag
                          │
                          ▼
                   Alert Dispatch
                   ├─── Email (SMTP)
                   └─── Outbound Webhook

Stack: Python 3.9+ · FastAPI · SQLite (dev) / PostgreSQL (prod) · Redis · APScheduler · Stripe SDK

---

🧪 Running Tests

source .venv/bin/activate
pytest tests/ -v

# Detector unit tests only
pytest tests/test_detectors/ -v

# With coverage
pytest tests/ --cov=src --cov-report=term-missing

---

🔧 Adding a Custom Detector

Extend BaseDetector from src/detectors/base.py:

from .base import Alert, BaseDetector

class MyDetector(BaseDetector):
    name = "my_detector"

    def process_event(self, event: dict):
        if event.get("type") == "some.stripe.event":
            return [Alert(
                detector=self.name,
                severity="medium",
                title="Something happened",
                message="Details here"
            )]
        return []

Register it in src/api/main.py startup. Done.

---

🔒 Production Deployment

See docs/production-setup.md for:

• Stripe live key setup via macOS Keychain
• Cloudflare Tunnel for webhook exposure (no open ports)
• PostgreSQL + Redis configuration
• Pre-launch security checklist

Never put live Stripe keys in .env files. Use Keychain or a secrets manager.

---

📁 Project Structure

BillingWatch/
├── src/
│   ├── api/               # FastAPI app + routes
│   ├── detectors/         # 7 anomaly detectors + BaseDetector
│   ├── storage/           # SQLite/Postgres event persistence
│   ├── workers/           # Async processing + APScheduler
│   ├── alerting/          # Email + webhook alert delivery
│   ├── models/            # SQLAlchemy models + Pydantic schemas
│   └── stripe_client.py   # Stripe SDK wrapper
├── tests/                 # Unit + E2E tests
├── docs/                  # Setup guides + spec
├── Dockerfile
├── docker-compose.yml
└── README.md

---

🗺️ Roadmap

v1.1 (In Progress)

• 📧 Email Digest — daily/weekly anomaly summary (endpoint live, SMTP config needed)
• ☁️ Render.com 1-Click Deploy — render.yaml + deploy button ✅
• 🔍 Webhook Event Explorer UI — searchable, filterable event log

v1.2 (Planned)

• 📊 Grafana Dashboard — pre-built anomaly trend dashboard
• 🔔 Slack/Discord Alerts — native integrations
• 🧪 Test Mode Replay — replay historical events without live webhooks

---

---

🔗 Related Projects & Alternatives

BillingWatch fills the gap between expensive SaaS platforms and doing nothing:

Tool	Type	Cost	Why BillingWatch Instead
Datadog	Full observability	$5+/mo	General-purpose APM, no Stripe-specific detectors
Baremetrics	SaaS analytics	$29+/mo	Analytics dashboards, not real-time anomaly alerts
Stripe Radar	Fraud detection	Built-in	Card fraud only — no dunning failures, duplicate charges, or webhook lag
Sentry	Error monitoring	$26+/mo	Code errors, not billing events
ChartMogul	Revenue analytics	$100+/mo	Historical charts, not real-time detection
Lago	Open-source billing	Self-hosted	Full billing system — BillingWatch monitors Stripe, not replaces it

BillingWatch is free, self-hosted, and purpose-built for Stripe billing QA. One webhook endpoint. Seven detectors. Zero SaaS fees.

Also useful for: stripe monitoring · stripe webhook monitoring · billing anomaly detection · SaaS billing monitoring · self-hosted stripe monitor · payment failure alerts · subscription billing QA · chargeback detection · dunning failure detection · webhook observability · fastapi stripe webhooks

---

🛠️ More Dev Tools

Built by the same maker — if you're interested in algorithmic trading:

TradeSight — AI Paper Trading Strategy Lab → — Python trading bot with overnight strategy tournaments, RSI confluence, and Alpaca integration.

License

MIT — see LICENSE

---

Built by an indie maker who got burned by a silent dunning failure. Stripe is great — but it doesn't tell you when things go wrong until it's too late.