Payment Solutions
Recurring revenue is attractive to build and unforgiving to underwrite. Renewal transparency, cancellation handling and dunning strategy have as much influence on an application as the volume itself.
At a glance
When a customer disputes a recurring charge, the issuer usually asks the same three questions: was the customer told this would recur, was cancellation straightforward, and can the merchant evidence both. Card networks have tightened expectations around trials, negative-option offers and renewal notices in particular.
An application that answers those questions in advance is materially easier to underwrite.
A large share of failed subscription payments are recoverable. Soft declines from insufficient funds, expired cards or issuer velocity limits often succeed on a later attempt. Retrying too aggressively, however, creates its own problems — including issuer-level blocking.
We review your current retry schedule, account-updater coverage and pre-dunning messaging, and discuss what your gateway supports.
Moving recurring billing between providers is a project, not a switch. Vaulted card data may be portable between compliant environments, or it may not be. Billing anniversaries, proration and in-flight dunning all need a plan.
We map the migration with you and your developer before anything is changed in production.
Who decides
All approvals, pricing, reserve requirements, settlement schedules and account terms are determined by the applicable processor, acquiring institution, gateway or underwriting provider. Nothing on this website is an offer, a guarantee of approval, or a commitment to specific terms.
Questions
Straight answers, including where the honest answer is “that depends on the underwriter”.
Yes. Memberships, continuity programmes, SaaS subscriptions, payment plans and automatic renewals are all within scope.
Recurring billing draws extra attention in underwriting, so we review your renewal disclosures, cancellation flow, dunning schedule and descriptor consistency as part of preparation. Those details influence both the application and your long-term dispute ratio.
A dispute history does not automatically disqualify an application. Underwriters look at the ratio, the trend, the reason codes behind it, and whether anything has been done about the cause.
The most useful thing you can provide is context: what drove the disputes, what changed, and what the numbers look like since. A documented remediation story is far stronger than a statement with an unexplained spike in it.
Most applications need government identification for each beneficial owner, incorporation or business-registration documents, proof of business address, a bank letter or void cheque, recent processing statements where they exist, and product or service information.
Some categories need more — licences, certificates of analysis, distribution agreements, or regulatory registrations. Requirements vary by provider and by industry, so we confirm the exact list for your file before you start gathering anything.
All approvals, pricing, reserve requirements, settlement schedules and account terms are determined by the applicable processor, acquiring institution, gateway or underwriting provider. Nothing on this website is an offer, a guarantee of approval, or a commitment to specific terms.
Tell us about your business, current processing situation, and growth plans. Our team will review the information and explain the available next steps.
Submitting a form does not guarantee approval and does not create a contractual relationship. It begins a review conversation so we can explain the options that may be available to your business.