SUBSCRIPTIONS & MEMBERSHIPS
Subscription payment processing.
Recurring payments bring repeat revenue—and questions about billing terms, cancellation, and disputes. Start with a review of how your subscription model works.
MERCHANT ACCOUNT REQUIREMENTS
The details behind your business.
Use this guide to prepare the conversation. These are questions to discuss—not a promise that any particular product, activity, or business will qualify.
01
Your billing model, clearly explained
Outline your billing frequency, trial offers, renewal terms, average charge, and how members cancel. A reviewer needs to understand the entire customer journey.
02
Recurring payments and your platform
Identify your subscription platform and ask how it connects to the proposed gateway. Confirm support for stored credentials, account updates, and failed-payment handling.
03
Disputes, refunds, and customer expectations
Bring your processing history and a clear picture of refunds and disputes. Discuss how a provider monitors recurring transactions and what changes could trigger a review.
PREPARE FOR UNDERWRITING
What to have ready.
Your initial enquiry needs only basic business details. Save sensitive documents for the provider’s secure process.
- Subscription website and terms
- Monthly volume and average transaction
- Recent statements, if available
- Cancellation and refund process
Questions about subscriptions & memberships
Can I move existing subscribers?
Ask the provider and your current platform about secure credential migration. Do not assume card details can simply be exported or that every billing feature will carry over.
Does recurring billing always mean high risk?
No. The assessment depends on the business, products, billing structure, transaction history, and provider criteria. Request a review of your actual setup.
Who sets reserve requirements?
The provider and its underwriting partners determine whether a reserve is required and how it works. Ask for the amount, release schedule, and triggers in writing.
ProudPay refers to Axis Merchant Group. Axis publicly identifies this broad category among its specialist areas; the specific business remains subject to review. See how the relationship works.
HIGH-RISK PAYMENT PROCESSING
Request a merchant account review.
Request a processing review based on your industry, sales model, and transaction volume.