Continuity Subscription Merchant Account and Payment Gateway

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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 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.

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Why choose High Risk Pay as your merchant services provider ?



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


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Having trouble getting approved for your high risk merchant account? Did you know HighRiskPay approves 99% of all applicants!



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Why is a Subscription Merchant Account Difficult to Get?

The pricing structure of this business model is what banks see as a risk. They believe that there will always be an excessive risk of chargebacks for transactions they process, and once it reaches a level of two percent or higher they may close your account. 

Chargebacks occur when the bank has to refund the customer the money for the purchase. Every business can expect at least a few chargebacks, but when those start to add up, banks will take a second look at your account. There are many reasons why customers might want their money back, and not being satisfied with a product or service is just one of them. In some cases, people choose to make claims because they have second thoughts or want to hide what they bought (for example, when they get a charge from an adult entertainment company). Or simply because they want to get something for free and know they can get away with it – as banks will always side with the customer and not with the continuity subscription merchant. Chargebacks are time-consuming and can be expensive for merchants, who, in some cases, are forced to return the payment amount and pay a charge to the credit carrier.   

Chargebacks are also a risk for the bank because they will be the ones refunding your customer his or her money. Eventually, too many chargebacks mean that you actually cost the bank money to do business with you. 

Consider, for example, a customer who signed up for a coffee subscription. Each month they are sent their favorite coffee. However, one day, they find that they can get a similar type of coffee cheaper somewhere else. They may forget to cancel their subscription. When their monthly credit card statement comes, they see a charge for their subscription and decide to dispute the transaction.  

For years, bank staff had been told that consumers complaining of continuous subscriptions could only be canceled by the company taking the payment. More recently, however, financial authorities have stated that banks must cancel them when asked – with almost no exception. When this happens, the credit card companies will always side with the customer and give them their money back. This results in a chargeback for your company, even though it’s not your fault. Banks see chargebacks and get scared, believing that your business is at fault and will incur high risks. 

This is a very common billing scenario for many continuity subscription merchants. For these reasons, banks have set a limit on the allowed chargeback ratio, but the more you sell (the more successful your marketing and subscriptions become), the bigger the chance for chargebacks. In turn, higher volumes in sales increase the possibility of fraud and mean that your direct marketing continuity subscription business model is a risk for credit card processors

Fortunately, issues involving subscription merchant accounts can be mitigated and prevented by finding a merchant account provider who knows the ins and outs of this type of business structure. Services from High Risk Pay have the ability to put structures in place to allow for continuity subscription billing and provide you with a seamless payment  gateway so you can sell more subscriptions without fear of getting your payment processing account suspended or terminated. 

How Continuity Subscription Accounts Work

Under the subscription model, the individual’s credit card will be charged continuously until they take action to unsubscribe. This creates a mutually beneficial relationship where businesses can provide services, products, and solutions at a predictable schedule and subscribers get the products or services uninterrupted. This creates brand loyalty while making accounting and  budgeting easier.  They also bring businesses tons of other  opportunities. While banks may see this as a huge risk factor, High Risk Pay understands that in order to succeed, it is important that companies employ innovative and cutting edge practices. We limit the risk by putting the necessary systems in place to mitigate chargebacks, frauds and other scams.  Contact us today to learn more. 

Businesses with Subscription Models

lmost any business where you provide products that need to be replenished can benefit from a subscription model. Here are a few examples:

Any business that can set up recurring billing can benefit from it. The best part is that it’s a value-added service for your customers, which can help you build trust with them. Maybe they have one product shipped to them monthly, but it will also serve as a reminder that they enjoy your brand and will come back for other products in the future. 

Customers also have the power of the subscription in their own hands. It is up to them to cancel the subscription, which is great for businesses that want to provide their customers and themselves with a convenient solution. 

However, this power translates to risk for banks. They believe that customers will forget about the subscription and dispute it on their next statement. If this happens, as a continuity subscription merchant, you could be turned away by the bank, making you unable to take credit card payments and negatively impacting your entire business (or, in some cases, terminating your account entirely). 

The Problem with Being High-Risk

Being considered high-risk can impact your chances of being accepted for a merchant account. In many cases, your customers don’t need to have a real reason to dispute a chargeback. All they have to do is file a claim, and it can negatively impact your ability to accept credit cards. The customers don’t even have to contact you first to make a dispute. There are some things you can do to try and prevent chargebacks for your subscription services. Some of these include:

  • Accurate pricing: Make sure your price is clear for all stages of the subscription. For example, explain that billing will revert to normal rates after an introductory offer or trial.
  • Return and cancellations: You should always disclose and explain your return and cancellation policy. If you make everything crystal clear, you can try to mitigate complaints and ensure your customers might come back at a later date. 
  • Replacement options and solutions: If a customer is unhappy about a product you sent as part of your subscription, make sure you provide an appealing alternative or replacement. 
  • Refunds: You should always promptly issue refunds when requested. 

It’s always good to know about continuity subscription merchant best practices; however, you will never be able to avoid chargebacks entirely. When you have a subscription-based business, you need to partner with a subscription merchant that’s reputable and can help you keep your money in the event of a chargeback. Remember, credit card processors will likely add additional fees when there is a chargeback, so you will lose even more money. 

Perhaps the worst consequence of chargebacks is the fact that your account can be terminated. When your merchant account is terminated, you will no longer be able to take credit cards, which means you can’t stay in business for much longer. Read More: High risk merchants credit card processing

If you use a continuity subscription merchant solution like High Risk Pay, you will be able to enjoy benefits such as payment processing services, chargeback prevention, and next-day funding. Bad credit isn’t a problem; we can approve your business for credit card processing regardless of your credit history. You won’t need to worry about losing another sale.  

Partner With a Company You Can Trust

When you begin taking credit cards, you’ll need to work with a merchant account provider that has the ability to help your business grow. You’ll need both security and PCI compliance when your customers type in their information. When it comes down to it, the reputation of your business is everything. 

We can help you take credit cards and keep your customers’ information safe. We have the knowledge and experience to keep your business in good standing so merchants can focus on growing and boosting profits. Our customers trust us to help them with the recurring billing that their business needs to thrive. As a leading payment processing solutions provider, we approve 99% of all applicants within 24 to 48 hours and without hassle. We work with all major credit cards (regardless of your credit status) and have no application fees and no contracts. 

Was Your Merchant Account Terminated in the Past?

We have worked with many direct marketing-continuity subscription merchants who have been shut down in the past. Sometimes accounts are terminated for reasons that aren’t the business’ fault. That’s the biggest danger when it comes to these types of merchant accounts. Your risk of excessive chargebacks can even lead to account termination, even if you haven’t reached the allocated ratio yet. 

Our experts do their best to work with you and not let your past interfere with the future of your business. Losing your ability to take credit card payments can destroy your business. By working with High Risk Pay, you can rest assured knowing that we will vigilantly ensure your account won’t get terminated again and will stay in good standing for years to come.

Frequently Asked Questions

Why do businesses need merchant services?

These types of services can help continuity subscription merchants handle electronic payment transactions such as card payments. By having a merchant service, your business can simplify the payments acceptance process and expand the available options. For example, by dealing with card authorizations and collecting and sending funds to the merchant. 


Integrate Seamlessly

To start growing your subscription business, you need your billing and credit card processing set upright. We can integrate with many of the top CRM choices, including Shopify! No matter what CRM you’re using, you can add a subscription-based model to your business. All customers have to do at check out is click a button and begin their subscription. 

With this business model, you must also make it obvious to your customers that they are in charge of canceling, and you will continue to bill them and ship the products until they cancel their subscriptions. While it may seem like a great business model (because it is), banks see it as a risk, and you will run into obstacles trying to prove that your business is legitimate and trustworthy. 

Running Into Obstacles? Call the Experts Today.

When you start a subscription-based business, you have to accept the fact that there will be obstacles. You need to find secure payment processing that will help develop your business as you accept credit cards from more customers each day. 

While to you, your business may not seem high-risk, to banks, your business model is less than ideal, which means it can take months for you to get accepted the traditional way. Most businesses have competition, and waiting months to get approval can be detrimental to their growth. In fact, many businesses will fail because they don’t work with the right credit card processor. 

High Risk Pay is prepared to help you overcome all of the obstacles many businesses in your field face. You need the knowledgeable experts who understand how to help you get through the process unscathed. 

We specialize in the unique challenges that come with subscription-based businesses and e-commerce. We have the framework already in place to help you succeed. Our integrations work with almost every third-party payment gateway to allow for a secure and reliable payment solution for your customers. 

Getting Started with Subscription Merchant Services

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. 


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.