Subscription Boxes High Risk Merchant Accounts for Payment Processing

subscription boxes merchant account

What Are Subscription Boxes?

Subscription boxes are recurring deliveries of boxes of curated products. Typically, the products are niche-oriented and designed to offer value on top of retail products. An example of a subscription box is a recurring delivery of dog treats every month, depending on your dog’s preferences and their diet. 

In order for your product to be a subscription box, at least a few of the following criteria must be met:

  • Must be a physical delivery of products
  • Must be a recurring subscription 
  • Must feature value propositions, like surprises, curated products, savings, etc.

There are many advantages of having a subscription box business, including predictable revenues. You won’t have to worry about reaching your monthly target sales when you have recurring monthly revenue. 

You’ll also be providing your customers with the convenience that allows them to enter their payment information just one time and keep buying from you each month. It’s the best of both worlds for your business and its customers. 

Sign Up Now
No Setup Fees!

Privacy Information: Your contact information will not be used for anything except contacting you regarding the question or comment you have.

Get Started Today

Why choose High Risk Pay as your merchant services provider ?



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


99% approval

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



HighRiskPay understands that time is money. Entrust us yours and we’ll be sure to make it worthwhile! Apply Today and Be in Business Tomorrow!

Get Started Today

How Are Subscription Boxes Continuity Billing?

Subscription boxes qualify as a continuity billing structure because the payment recurs each month. Essentially, customers will only have to enter their credit card information once, and the billing will occur automatically, along with delivery. Until the customer opts out of the subscription, both the billing cycle and deliveries will continue. 

Why Do You Need a Merchant Account?

If you’re a company with a continuity or subscription-based business model, you’ll need a merchant account in order to accept credit card payments and have them automatically billed each month. Learn more about continuity/subscription merchants.

However, because chargebacks are common when it comes to subscription box merchant accounts, most banks will categorize your business as high-risk. You’ll also have to deal with a high volume of sales and possible fraud, which means banks will be hesitant to work with you. 

While continuity billing will be a huge benefit of your business because you won’t have to worry about having customers come back and go through the payment process again, it could present some problems. Recurring payments can be seen as a disadvantage when you’re looking for merchant accounts since banks will see it as a risk.

For these reasons, you’ll require a high-risk merchant account. 

Businesses considered high-risk would have more regulations to follow and restrictions that limit their resources. The reason for this is that banks and payment processors like Paypal and Square don’t allow payment processing for high-risk accounts.

While you may have more hoops to jump through, all hope is not lost. Businesses who are considered high risk need to know who the right merchant account providers are so that they can accept credit cards and recurring payments.  Read More: Payment Gateway vs Merchant Account

Partner With A Subscription Box High Risk Merchant Account Provider

Getting a subscription box merchant account for your business is easy. All you have to do is work with a reputable continuity subscription merchant account payment processor provider, like High-Risk Pay. With the scale and framework to support your subscription-based business, we ensure the proper guidelines are followed to mitigate the risk of your business.