Subscription Payment Processing
Merchant Accounts for Subscription Businesses
Reliable recurring billing and chargeback management for subscription merchants of every model.
Native Recurring Billing
Our gateway handles subscriptions, free trials, metered billing, and installment plans without third-party middleware.
Chargeback Protection
Ethoca and Verifi alerts catch disputes before they post, protecting the recurring revenue that powers your business.
Fast Approvals
Most subscription merchants are approved within 24 to 72 hours of submitting a complete application.
See How Your Subscription Rates Compare
Subscription merchants need pricing that accounts for recurring billing volume. Enter your MRR to see what we can offer.
- Native recurring with trial and metered support
- Account updater to prevent failed renewals
- Intelligent retry logic for declined charges
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
Built for the Unique Demands of Recurring Revenue Models
Subscription merchants face processing challenges that standard merchant accounts are not designed for: free-trial chargebacks, high refund requests, and card-not-present fraud on repeat billings. Corepay's subscription merchant accounts are underwritten for these realities from day one.
Challenges Subscription Businesses Face
Trial-to-Paid Chargebacks
Customers who forget they signed up for a trial dispute the first recurring charge. Without alert integrations, these chargebacks accumulate silently.
Processors That Freeze Accounts
Many banks shut down subscription merchants without warning at the first sign of elevated chargebacks, even during legitimate growth.
Card Updater Gaps
Outdated card numbers and expiry dates cause silent failed renewals that hurt revenue and inflate your involuntary churn rate.
Descriptor Confusion
A generic payment descriptor leads to "I don't recognize this charge" disputes, especially for white-label or bundled subscription products.
Built for Recurring Revenue
Native Recurring Engine
Built-in subscription billing handles trials, upgrades, downgrades, and metered plans without third-party tools.
Chargeback Alert Integration
Ethoca and Verifi alerts notify you of incoming disputes before they are filed so you can resolve them proactively.
Account Updater
Automatic card number and expiry updates reduce failed renewals and involuntary churn.
Custom Descriptors
Set a clear, recognizable payment descriptor to reduce "I don't recognize this" disputes on recurring charges.
Retry Logic
Intelligent failed-payment retries recover declined renewals on the optimal day and time for your customer mix.
Dedicated Account Manager
A named account manager experienced with subscription risk, 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.
Subscription and recurring billing models have gained popularity across nearly every industry. If your business offers recurring billing, you need a merchant account tailored to subscription needs. We assist businesses in industries including adult, online dating, health and beauty, supplements, CBD, vape, meal boxes, car washes, and clothing boxes.
We also provide ecommerce merchant accounts for online stores.
Why Subscription Models Are High-Risk
The main reason is chargebacks. Customers forget to cancel and then dispute the charge. Most subscription transactions are card-not-present, which carries higher chargeback risk. Third-party fulfillment adds another layer, since companies may not have direct control over delivery issues. And many subscription businesses operate in industries that are already classified as high-risk.
Applying for Your Account
Good credit helps keep fees lower, but you can still be approved with poor credit. You will need:
- Articles of incorporation
- Principal’s driver’s license
- Company EIN document
- Proof of operating address
- Personal and business financial statements
- Voided check
- Business plan
Also share how your business handles chargebacks, what services you provide, and your return and refund policies.
Why Choose Corepay
- 24/7 customer service
- Competitive rates
- Fast approvals
- Gateway built for high-volume recurring billing
- Multi-currency support
- PCI Level 1 secure gateway
- Mobile payment acceptance
