Subscription & continuity merchant accounts.
Recurring-billing acquiring that keeps acceptance high and chargebacks low. Tokenised billing, account updater and dunning tools for continuity merchants.
Why subscription is considered high-risk.
Acquiring banks label this vertical high-risk for a few specific reasons, then decline good businesses by default. Understanding why is the first step to getting approved.
- Chargeback exposure: trials, renewals and “I forgot I subscribed” disputes raise ratios.
- Scheme rules: continuity and negative-option billing face specific network requirements.
- Revenue leakage: failed renewals and involuntary churn pressure margins.
Recurring disputes raise chargebacks
Free trials and renewals draw friendly fraud and disputes.
Failed renewals leak revenue
Expired cards and soft declines silently churn customers.
Scheme scrutiny on continuity
Card networks watch trial-to-paid models closely.
Approval, routing and risk tooling for Subscription.
Specialist approval
We underwrite Subscription businesses and present your application to acquirers that actively support the vertical.
Intelligent routing
Spread volume and cascade declines across acquirers for higher acceptance and resilience.
Chargeback tooling
Alerts, representment and prevention integrations to keep your ratios in policy.
Global acquiring
EU, UK and offshore acquiring with multi-currency settlement from one integration.
Subscription businesses we place.
Subscription merchant account FAQ.
Built around the questions operators (and search engines) ask.
Get a quote