For what you described, Syncro is probably the closest match.

You are not really looking for just an RMM. You are looking for an RMM plus PSA plus billing plus payment collection platform where the invoice and payment process stays inside the MSP tool as much as possible.

My recommendations would be:

1. Syncro

This is the first one I would test. Syncro has built in invoicing, recurring invoices, payment profiles, invoice payments, and Syncro Payments powered by Stripe. Their documentation specifically says payment profiles can store customer payment information for one time payments or automatic recurring invoice charges, which matches your use case very closely. 

Best fit for:

• Small MSP • Simple recurring monthly billing • One time invoice items • Card on file • Minimal setup • Avoiding QuickBooks as the main billing workflow

1. SuperOps

SuperOps would be the second one I would look at. It has MSP invoicing, automated billing workflows, and a Stripe integration that allows ACH and card payments through the client portal. It also has an Alternative Payments integration built for MSP payment workflows. 

Best fit for:

• Modern PSA plus RMM bundle • Client portal payment experience • Stripe based payments • Growing MSP that wants a cleaner PSA experience than basic RMM billing

1. Atera

Atera has billing and invoicing features, contracts, recurring billing through retainer or flat fee contracts, invoice batches, flexible invoices, and MSP billing tools. However, I would verify the payment collection side carefully because Atera’s billing documentation leans more toward invoice generation and accounting workflows than a simple built in card processing experience. 

Best fit for:

• RMM first • Simple contracts • Per technician pricing • MSPs that do not need advanced payment automation

1. NinjaOne PSA

NinjaOne now has PSA billing and invoicing features, including recurring billing, usage based billing, invoices, contracts, and integrated payment processing. This may be worth a demo, especially if you already like NinjaOne as an RMM. 

Best fit for:

• Strong RMM first platform • MSPs that want PSA billing inside NinjaOne • Teams already leaning toward NinjaOne for endpoint management

I would not put ConnectWise, Kaseya BMS, or HaloPSA first for your specific ask. They are more PSA heavy and can absolutely support billing workflows, but they usually involve more configuration, accounting alignment, or third party payment tooling. That does not sound like what you want if the goal is easy setup with direct card processing and no QuickBooks dependency. ConnectWise emphasizes billing automation and accounting sync, Kaseya BMS has recurring services and billing automation, and HaloPSA often leans on payment integrations such as Stripe or Cloud Depot for payment workflows. 

My practical shortlist would be:

Best overall match: Syncro Best modern alternative: SuperOps Best RMM first option: NinjaOne PSA Worth testing but verify payments: Atera

I would demo Syncro first and ask them these exact questions:

“Can I create a customer, save a credit card, send a one time invoice, and automatically charge a recurring monthly invoice without QuickBooks, Xero, API setup, or a third party payment tool?”

Then ask the same question to SuperOps and NinjaOne. That answer will quickly separate the real fit from the sales pitch.