Processing that understands the subscription model.
E-commerce, subscription boxes, SaaS billing, digital products — with underwriting that plans for the long haul.
Flat-rate processors aren't built for subscription reality
Subscription e-commerce faces higher friendly-fraud rates and longer customer-lifecycle chargeback windows than one-time retail. Flat-rate processors sign up subscription merchants, take a few months of volume, then either drop the account or impose rolling reserves when chargeback ratios drift. We underwrite subscription businesses with the full model in mind — trial conversions, recurring bills, address updates, failed-card retries — and place accounts with banks that actually expect subscription patterns.
The right program for this category
Interchange-Plus (transparent pass-through)
Our first-choice program for this category.
Tiered or flat-rate for lower-volume operators
Honest pass-through alternative — no surprise markups.
Subscription e-commerce faces elevated chargeback and friendly-fraud risk, so generic flat-rate processors often drop accounts after 60--90 days. Interchange-plus gives you transparent pricing, and we underwrite the account with chargeback ratios in mind so your processor doesn't disappear mid-month.
Category-specific safeguards
- Subscription and recurring billing with proper consent records
- Account updater service to prevent failed-card churn
- Chargeback management with representment service
- Custom reporting for MRR, churn, and lifetime value analysis
Common questions
Do you support account updater?
Yes. Account updater services automatically refresh expired and replaced card numbers on file, which substantially reduces involuntary subscription churn.
What's the cost of the chargeback management tools?
They're included on most high-risk subscription accounts. Your specialist will walk through what's bundled and what's optional before you sign.
Can we integrate with Stripe-style APIs?
Yes. NMI (our primary gateway) supports modern API-based integrations, so your developer can build the same workflows they'd build on any modern payments platform.
Ready for a real quote?
Send your last statement. A specialist returns the math and the program that fits your business — usually the same day.