High-risk payment processing
Merchant Accounts for Subscription & Recurring Billing
Processing for subscription boxes, memberships and continuity programs, built around chargeback control.
What to expect
Underwriting focuses on billing disclosures and dispute rates
Recurring billing is a great business model, but it's one of the biggest drivers of chargebacks when customers forget they signed up.
Why subscriptions can be high-risk
- Customers dispute charges they don't recognize
- Free trials converting to paid plans cause confusion
- Card networks have specific rules for trial and subscription disclosures
Best practices
- Show the price, billing frequency and cancellation method before checkout
- Send receipts and reminders before renewals
- Use a clear billing descriptor customers recognize
- Make cancelling easy online
Important: Approval, rates and reserves are set by each provider's underwriting team based on your business. PaymentNinja doesn't approve accounts or guarantee approval.
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