Direct Marketing Continuity Subscription Merchant Account

Over the past few years, the continuity and subscription-based business model have begun flourishing especially online. Great deal of websites have emerged employing this billing model from  Software as a Service (SAAS), audiobooks, movies, monthly flowers, monthly  coffee, to monthly pet food subscriptions. This model provides both customers and businesses with a level of convenience unlike any before, while creating opportunities for entrepreneurs who want to build continuous streams of profit.

Even though the subscription market is experiencing record annual growth, banks and other financial institutions are still reluctant to offer their processing services to direct marketing continuity subscription merchants. If you are one, you might have already noticed how hard it can be to use credit card processing if you are considered a high-risk merchant, especially compared to traditional businesses. This is because banks see high sales volumes and excessive chargebacks as risky and possibly fraudulent.

Fortunately, High Risk Pay can help you process payments more efficiently. We understand that you can’t waste precious time gathering piles of paperwork just to be rejected by a bank because of your billing strategy. Contact us now to see how we can help you! 

Subscriptions and Credit Cards

With the rise of the internet and technology, studies have shown that most customers prefer to pay for their goods and services using credit cards. So if you offer continuous services, you can miss out on months or years of consistent revenue  if you are unable to secure a  subscription merchant account which allows you to have a consistent billing cycle for the products your business offers. 

Unfortunately, and despite the popularity of streaming services and subscription marketing, banks don’t consider subscriptions a traditional category. It is considered more risky than the traditional one-time purchase model. This may create problems for your business when it comes to securing a payment processing provider. The possibility of denial by banks is even higher if you are a merchant with poor credit

If you are classified as a high-risk merchant, you will have a hard time getting a continuity subscription merchant account. And even if you do get accepted, the bank can terminate your account if you have a large volume of chargebacks, making you unable to take credit cards. 

However, working with High Risk Pay means finding the options for your business that wouldn’t have been available to you via traditional banking alone. We have worked to help companies with this business model to succeed in the competitive marketplace and beyond. Check out high risk merchant account providers in the USA.

SPECIALIZED IN HIGH RISK

We offer high risk merchant accounts to all business types in high risk categories.

99% APPROVAL

We offer high risk merchant accounts to all business types in high risk categories.

FAST APPROVAL GUARANTEED

We offer high risk merchant accounts to all business types in high risk categories.

  • Chargeback Mitigation: We implement robust fraud detection and chargeback management tools, tailored to the unique challenges of subscription-based businesses, reducing your exposure and protecting your revenue.
  • Stable Cash Flow: Enjoy predictable, consistent revenue streams. Our seamless recurring billing ensures timely payments, allowing you to accurately forecast and manage your finances for sustained growth.
  • High Approval Rates: Get approved, even with a high-risk business model or past account terminations. With a 99% approval rate, we secure merchant accounts for businesses that others turn away, providing a pathway to reliable payment processing.
  • Fast Funding: Access funds quickly, with fast approval and no hidden fees or contracts.
  • Secure Payment Processing: Ensure secure, PCI-compliant transactions. Partner with HIgh RIsk Pay for a trusted payment provider.
  • Tailored Solutions: We understand that every subscription business is different. We provide personalized solutions that integrate seamlessly with your existing systems and workflows.

The High-Risk Reality: Subscription businesses face unique challenges, including high chargeback rates due to recurring payments and potential customer disputes. Traditional banks often view these models as high-risk, leading to account denials or sudden terminations.

Our Expertise: High Risk Pay is your dedicated partner in navigating these complexities. We specialize in providing stable and reliable merchant accounts for subscription-based businesses, leveraging our in-depth understanding of the high-risk landscape.

Proactive Chargeback Management: Our team works closely with you to identify and mitigate potential risks, reducing disputes and safeguarding your revenue.

Account Stability: We prioritize long-term account health, ensuring your business enjoys uninterrupted payment processing. We maintain strong relationships with our banking partners and employ best practices to minimize disruptions.

Compliance and Security: We are committed to maintaining the highest standards of compliance and security. Our PCI DSS-compliant solutions protect your customers’ data and ensure your business operates within industry regulations.

Why are subscription merchant accounts considered high-risk?

Banks view subscription models as high-risk due to the potential for high chargeback rates. Factors like recurring billing, customer disputes, and even fraudulent claims contribute to this perception.

Can I get a subscription merchant account if I’ve had my account terminated in the past?

Yes, we specialize in providing solutions for high-risk businesses, including those with past account terminations. Our expertise allows us to navigate the complexities of subscription models and secure stable merchant accounts. 

What types of businesses benefit from a subscription merchant account?

Almost any business that offers products or services requiring regular replenishment or ongoing access can benefit from a subscription model. This includes, but is not limited to: food delivery services, streaming platforms, magazine and newspaper subscriptions, subscription boxes, and SaaS (Software as a Service) companies. Essentially, if your business can set up recurring billing, it can likely benefit from a subscription merchant account.

Sign Up Now

If you’re looking for a continuity credit card processor that can help you maximize your profits and make running your eCommerce business easy, follow these simple steps.

Submit an Application Online

Submitting your application is easy. All you have to do is fill in the fields of our online application and hit send! You may also have to upload important documents, including bank statements, so make sure to have those available when you’re ready to start the application process. 

Work with a Continuity Subscription Merchant Expert

When it comes to submitting supporting documents, it can be difficult to determine exactly what you need to show us. Our dedicated representatives are well-versed in documentation and know exactly which paperwork you need and which you don’t. If you’re not sure what you need to do, you can always reach out to us for help. 

Walk-Through

Once you are approved, we’ll set up a time to walk you through the normal payment process and guide you through set up so that you can start accepting credit card payments as soon as possible. 

Quality Customer Support

Our customers are important to us, which is why we offer merchant support at no additional cost. When you come across a problem or have a question that needs to be answered immediately, you can contact us

A Note on Continuity Billing Scams

With the rise of e-commerce credit card processing has come the rise of people on the internet gathering consumer information and using it to bill them for monthly subscriptions that the customer did not agree to. 

Continuity billing scams are one of the major reasons why processing companies are taking measures to prevent them and avoid chargebacks. For this reason, subscription merchants should work only with a reputable processing company like High Risk Pay. While it may seem difficult to get a merchant account at first, it’s vital to work with a company that has the experience to get the job done and allow you to start accepting credit cards. 

We offer subscription accounts that are not only secure but affordable so that you can build trust with your customers without breaking the bank. We also provide our merchants with an incredible chargeback prevention tool to help you grow and mitigate risk along the way.