Subscription and continuity merchant accounts

Rebills are where chargebacks come from and where the card networks look hardest. Clear terms, reminders and a vault you own make the category boring, in the good way.

Why banks decline subscriptions and continuity

• Negative-option rules require clear consent, reminders and easy cancellation, and regulators act when they are missing.
• A customer who forgot the rebill files a chargeback; enough of them and the account is closed.
• Trial-to-rebill flows carry specific network rules on disclosure and receipts.

What we need from you

Underwriting reads the site before it reads the application. Have these ready and a complete application goes live in 24 hours.

• Terms at checkout that show the rebill amount and date before the customer pays
• Reminder emails before trial conversions and before rebills where the rules require them
• A cancellation path that is as easy as signing up
• A billing descriptor that customers will recognise every month
• Formation documents and an EIN or your country's equivalent
• Owner identification (a passport is fine; no SSN needed for non-US owners)
• A voided check or bank letter for the settlement account
• Processing and chargeback history from your current processor, if you have one
• Published refund, shipping and privacy policies, and terms that match how you actually bill

What you get

• A vault under your name: your subscribers' tokens and schedules are yours, so switching processors is a routing change and rebills continue.
• Retries on soft declines within the network rules, and dunning that recovers failed rebills.
• Routing across more than one merchant account where volume justifies it.
• Settlement in two business days.

What we cannot support

Saying it here saves you an application.

• Hidden rebills or trials that convert without clear terms
• Flows where cancellation requires a phone call the customer cannot get through on
• Products the card networks prohibit

Questions subscriptions and continuity merchants ask

Can I import my existing subscribers?

Yes. Tokens are migrated into your vault and rebills continue from the next scheduled date; customers do not re-enter cards.

What do the rules require for trials?

Clear terms before payment, a receipt that states the rebill, a reminder before the first rebill, and an easy cancellation. We check the flow during underwriting.

Do you handle failed rebills?

Yes. Retries within the network rules, then dunning emails, then a final attempt before the subscription pauses.

Will there be a reserve?

Usually only for models with no history. It is stated in the offer.