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Subscription Payment Processing
The continuity economy, characterized by subscription-based business models, has soared in popularity due to the convenience it offers in paying for and receiving goods and services. However, if your business can’t accept credit card payments swiftly and securely, it could face significant challenges. The nature of subscription or recurring payment models is often not categorized as traditional by acquiring banks, which typically view these business types as higher risk.
This perception can make it more difficult for subscription business owners to secure merchant processing services compared to those operating traditional, low-risk businesses. For a subscription business to thrive, it’s crucial to partner with a payment processor that understands the unique needs and risks associated with recurring payment models and can offer reliable, efficient payment solutions.
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Why Subscription Merchant Accounts are Hard to Place
Due to challenges like excessive chargebacks, high sales volumes, and potential fraud, banks often classify the subscription space as high risk. However, these issues can be mitigated or even prevented with the right support. Securing a merchant account provider for your subscription-based company is crucial for processing transactions quickly and efficiently. These services can implement structures to support continuity billing, seamless gateway integration, and effective risk mitigation tactics.
A common practice in the subscription industry is negative option processing, where a recurring charge or subscription automatically renews until the consumer opts out. While this feature ensures steady revenue for merchants and convenience for customers, it can complicate securing a merchant account as banks view the potential for disputes as a risk.
If you’re offering services like trial supplements, clothing subscription boxes, or any other subscription model, the ability to accept credit and debit card payments seamlessly is crucial for your business’s success. Partnering with a reputable high-risk merchant account provider that specializes in continuity and subscription businesses, like Midwest Merchant Services, is essential. We focus on high-risk industries and work with a variety of subscription-based businesses, providing the infrastructure and mitigation tools necessary to help you succeed.
Partnering with a Continuity Merchant Account Provider You Can Trust
At Midwest Merchant Services, we specialize in delivering innovative payment solutions for hard-to-place, high-risk, and eCommerce industries. We are equipped to support subscription-style businesses with the necessary scale and framework, ensuring rigorous underwriting practices to mitigate risk and achieve PCI compliance. Our API integrations are compatible with nearly every third-party gateway, offering both security and reliability for your customers.
We have recently partnered with SUBTA (Subscription Trade Association) to stay at the forefront of trends and transformations in the subscription continuity industry. This partnership has quickly become a vital resource, helping us better serve our merchants within this sector. It’s an honor to be trusted as a provider by one of the largest organizations dedicated to recurring billing.
Subscription and Continuity Business Types We Can Help:
- Content Downloads
- Replenishment Services
- Product Discovery Boxes
- Healthcare Services
- Educational Services
- and many more…
The subscription model is popular due to its ability to monetize almost anything, providing easy budgeting, predictable revenue streams, and giving customers more options than traditional payment structures. With the dynamic nature of this industry, the possibilities for growth and adaptation are truly endless.
Following up with Us
Securing credit card processing for subscription-based companies can be challenging. Choosing the right merchant services provider is crucial to avoid delays in business development and to start accepting customers efficiently.
Get started with your merchant account today! Simply call us or fill out our online form. We’ll begin the application process to get your business processing credit cards as quickly as possible.
