Card vaulting, network-token updates, smart retry logic, and dunning — the recurring billing stack subscription stores need to retain revenue that would otherwise leak through failed rebills.
Why are recurring MIDs underwritten differently?
Recurring transactions inflate chargeback ratios fast — every failed rebill that converts to a dispute counts against you. Specialist underwriting separates one-time and recurring volume on the same MID so a bad subscription month does not freeze your one-time card sales.
What is a network token and why does it matter?
Network tokens are issuer-managed card aliases that survive card reissues. Tokenized recurring transactions have 4–8% higher authorization rates than raw PAN — that is straight revenue retention. We enable tokenization on every recurring MID by default.
How should retry logic be tuned?
Aggressive retry triggers issuer velocity blocks. Smart retry spaces attempts based on decline reason code — soft declines retry within 24 hours, hard declines wait for a card update event. Done right, retry recovers 8–12% of failed rebills.
What about dunning and customer comms?
Email-only dunning recovers about 4% of failed payments. Email + in-app + SMS recovers 11–14%. Pair with a self-service portal so customers can update cards without contacting support.
How does this connect to chargebacks?
Recurring disputes spike when customers forget they signed up. Clear billing descriptors, pre-renewal emails, and easy cancel-in-app all reduce dispute rate. Chargeback management covers the alert and representment side.
Frequently asked questions
How fast can you get approved?
Most ecommerce merchants are approved within 24 hours of complete application submission. Files with chargeback history or international processing may take 48–72 hours while underwriting reviews trailing statements.
What does it cost?
Interchange-plus pricing — typically 2.4% + $0.10 per transaction with no setup fee and no monthly minimum. You see interchange cost, assessments, and our markup on a single itemized statement.
What if I've been terminated by another processor?
We work with merchants who've been dropped by Stripe, Square, and PayPal. Bring documentation of the termination plus 3–6 months of processing statements and we'll review your file.