Digital Goods Payment Processing
Merchant Accounts for Digital Goods & Services
Reliable payment processing for digital downloads, software licenses, SaaS products, and other digital goods businesses.
Digital Goods Expertise
Our underwriting team works with digital goods sellers that standard processors treat as elevated risk due to chargeback patterns.
Global Sales
Accept payments in 135+ currencies from digital buyers worldwide with local acquiring for better international approval rates.
Subscription Billing
Software subscriptions, digital content memberships, and SaaS license billing handled through native recurring billing in our gateway.
See How Your Digital Goods Rates Compare
Digital goods sellers pay higher rates because most processors avoid the category. Enter your volume to see what we can offer.
- Multi-currency for global digital buyers
- Subscription and license billing built in
- Chargeback alerts for non-returnable goods
How much are you overpaying?
Enter your numbers from last month's processing statement.
All figures shown are estimates only and may be subject to change based on application review, business model, risk factors, and underwriting assessments. This tool does not constitute a commitment, guarantee, or offer of specific terms.
Same-day decisions · No application fee · Dedicated account manager
Processing Built for Digital Products
Digital goods sellers face chargebacks on non-returnable products and blanket processor rejections. We underwrite the actual business, not just the category.
Challenges Digital Goods Sellers Face
Non-Returnable Goods Chargebacks
Digital products cannot be physically returned, so customers who dispute a purchase file chargebacks rather than going through a return process.
International Approval Rates
Digital goods markets are inherently global. Without local acquiring in key markets, international buyer approval rates significantly underperform.
Subscription Dispute Risk
Digital subscriptions and SaaS memberships generate recurring billing chargebacks when customers forget charges or dispute auto-renewals.
Processor Category Rejections
Many processors decline digital goods categories by policy, associating all digital products with piracy or fraud regardless of the actual business.
Built for Digital Commerce
Digital Goods Underwriting
Specialist underwriting for digital downloads, software licenses, SaaS products, and digital content businesses.
Multi-Currency Acquiring
Accept 135+ currencies with local acquiring in key markets, improving approval rates for the international buyers that digital goods attract.
Subscription Billing
Software subscriptions, digital memberships, and SaaS license billing managed through our gateway's built-in recurring engine.
Chargeback Alert Integration
Ethoca and Verifi alerts catch incoming disputes before they post, protecting digital goods revenue.
Custom Descriptors
Set a recognizable billing descriptor that reduces "I don't recognize this charge" disputes on digital purchases.
Dedicated Account Manager
A named account manager experienced with digital goods payment processing, available around the clock.
Corepay By the Numbers
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135+ Currencies Supported
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24-72h Typical Approval Window
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99.9% Gateway Uptime
Processing Payments in 30+ Countries
United States
50 statesFull domestic processing with next-day funding and dedicated account management.
European Union
27 member statesPSD2 and SCA compliant processing across all EU member states with multi-currency settlement.
United Kingdom
England, Scotland, Wales, NIFCA-regulated payment processing with GBP settlement and local acquiring.
Australia
All territoriesAPRA-compliant processing with AUD settlement and Asia-Pacific connectivity.
Digital goods and services merchant accounts are often not perceived as high-risk, but with most transactions being card-not-present and the industry handling frequent chargebacks, banks and processors classify them in the high-risk category. We have two decades of experience and have helped thousands of digital goods companies get approved and grow.
We also provide accounts for related industries including marketing agencies, business opportunities, and web design.
What Is a Digital Goods Merchant Account?
This type of account is designed for businesses that sell digital products and services, including ebooks, gaming services, web design, streaming media, software, SEO, SEM, online courses, stock photos, digital art, mobile apps, and more. Digital goods merchants are considered high-risk due to factors like piracy, subscription disputes, and the intangible nature of the products.
Why Digital Goods Are High-Risk
Piracy is a significant challenge, as it can lead to unauthorized distribution and revenue loss. Subscription disputes are common, with customers canceling or disputing charges without notice. These factors result in higher chargeback rates and increased scrutiny from processors. When selecting a processor, consider compatibility with your ecommerce platform, support for automatic delivery, security features, and international payment support.
Subscription Services
Whether you offer streaming media, online courses, or software subscriptions, we provide processing that handles recurring billing reliably. Our gateway is compatible with most major platforms and supports the automated delivery and access management that subscription businesses require.
Reducing Chargebacks
To protect your business, maintain clear and transparent refund policies, provide accurate product descriptions, use fraud detection tools, implement strong security measures, and monitor transaction activity regularly. Working with a processor experienced in digital goods makes a significant difference.
Applying for Your Account
You will need:
- Certificate of incorporation
- Voided check or proof of bank accounts
- Organizational chart (if applicable)
- Personal and business financial history
- Prior processing statements (if applicable)
- Compliant website verification
Why Choose Corepay
- 24/7 customer support
- Fast onboarding
- Competitive rates
- Over 20 years of payment processing experience
- Chargeback prevention tools
- Integration with all major gateways and platforms
