Subscription merchant accounts

Subscription businesses are reviewed for how renewals are disclosed and how easily customers can cancel. As a registered ISO, we place merchant accounts for memberships, subscriptions and continuity programs, and set up recurring billing with the gateway after approval.

We work with membership businesses, subscription boxes, software and content subscriptions, and continuity programs that ship on a schedule. A monthly membership at a fixed price, an introductory trial, a prepaid annual plan and a shipment that changes each month are each reviewed differently.

Underwriting looks at subscriptions more closely than one-off sales because the charge happens when the customer isn't watching. A forgotten renewal becomes a chargeback; a trial that rolls into a paid plan has card-network rules of its own.

After approval we set up the gateway, NMI or Authorize.net, with a hosted payment form, so card numbers go straight to the processor and never through your website or our team. On the setup call you get your login and keys, and we run a test transaction with you.

A subscription created in the gateway is a schedule, not proof that a payment went through. Authorize.net's recurring billing documentation separates the two, and your access or shipping should follow the payment result, not the signup. Decide what a failed renewal means for access before you launch: retry, notify, pause or end.

If you are moving an existing subscriber base from another processor, we plan the move so nobody is charged twice or skipped. Saved cards move through the processors' own transfer process, never as a spreadsheet.