Subscription Merchant Account

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We specialize in Continuity Merchant Accounts and recurring billing merchant accounts for subscription continuity offers. We approve practically every business type, even if you have been turned down for payment processing. With decades of experience, our team is here to help. Even if you have been shut down by your current processor, we have a solution for your situation. We’re available to answer any questions and provide ongoing continued support for our valued customers.

Don’t hesitate, to call us immediately for assistance. Our dedicated staff is standing by to assist you. Our typical turnaround time is 3 business days and, in some cases, the same day. We look forward to working with you  Apply Today

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What Is A Continuity Merchant Account:

A Continuity merchant account affords the ability to accept payments on products that are automatically shipped on a regular subscription basis until a customer cancels the order. Typically, a product is sent at regular intervals and then billed accordingly. Recurring billing payments would include credit cards, debit cards, or high risk ach payments, on a pre-arranged recurring timeframe, usually consistent with product shipments. Continuity merchant accounts are also known as continuity billing merchant accounts or subscription continuity merchant accounts.

Continuity Merchant Accounts

What Are Continuity Merchant Accounts?

Continuity merchant accounts, also known as recurring payment merchant accounts, are a type of merchant account that allows businesses to process recurring payments from their customers. This type of account is often used by businesses that offer subscription-based products and services, such as auto-ship vitamins, online monthly membership platforms, monthly software subscriptions, and monthly recurring service subscriptions.

With a continuity merchant account, a business can set up automatic payments to be processed regularly, such as weekly, monthly, or annually. This allows the business to provide a seamless customer experience, as customers do not have to remember to make payments or manually renew their subscriptions.

To set up a continuity merchant account, a business must first apply for a merchant account with a payment processor. The payment processor will review the business’s application and assess the risk associated with processing recurring payments. If approved, the payment processor will provide the business with the necessary tools to process recurring payments, such as a payment gateway and recurring billing software.

There are several benefits to using a continuity merchant account. For businesses, it can help increase customer retention and provide a steady source of recurring revenue. For customers, it provides a convenient and hassle-free way to pay for ongoing services or subscriptions.

However, it’s important to note that there are also some risks associated with processing recurring payments. Customers may forget about their subscriptions and continue to be charged even if they no longer want the service, leading to customer complaints and chargebacks. Additionally, businesses must ensure that they are following regulations regarding recurring payments, such as providing clear cancellation policies and obtaining proper credit card & debit card authorization from auto-ship and recurring customers.

Continuity Merchant Services

What Industries Require Continuity Merchant Services?

Continuity merchant services are commonly used by businesses that offer subscription-based services or products. Some industries that frequently use this type of account include:

  1. Streaming services: Online streaming services, such as Netflix, Hulu, and Amazon Prime, use continuity merchant accounts to process recurring payments from their customers.
  2. Software-as-a-service (SaaS) companies: SaaS companies, such as Dropbox, Salesforce, and Adobe, use continuity merchant accounts to bill customers for ongoing access to their software platforms.
  3. Membership-based organizations: Membership-based organizations, such as gyms, health clubs, and non-profits, use continuity merchant accounts to bill members for ongoing access to their services.
  4. eC-commerce Merchants: E-commerce businesses that offer subscription-based products, such as monthly subscription boxes or meal delivery services, use continuity merchant accounts to process recurring payments from their customers.
  5. Telecommunications companies: Telecommunications companies, such as cable and internet service providers, use continuity merchant accounts to bill customers for ongoing services.
  6. Utility companies: Utility companies, such as electric and gas providers, use continuity merchant accounts to bill customers for ongoing services.
  7. Online education providers: Online education providers, such as Udemy, use continuity merchant accounts to bill customers for ongoing access to their courses.

Overall, any business that offers ongoing services or products on a subscription basis can benefit from using continuity merchant service to process recurring payments from their customers.

Continuity Merchant Processing

Why Is Continuity Merchant Processing Considered “HIGH-RISK” for most payment processors?

Continuity merchant processing is considered high risk for most payment processors because of the inherent risks associated with processing subscription-based recurring payments. Here are some of the reasons why a continuity merchant account may be deemed high risk:

  1. Chargebacks: With recurring payments, there is a higher risk of chargebacks due to customers forgetting about their subscriptions or being unhappy with the service. This can lead to higher chargeback ratios and increased risk for payment processors.
  2. Cancellations: Customers may cancel their “Auto Ship Subscription” at any time, which can result in lost revenue for the business and potential chargebacks if the cancellation process is not properly handled.
  3. Regulatory compliance: Processing recurring payments requires compliance with various regulations, such as the Federal Trade Commission’s (FTC) Negative Option Rule and the Electronic Funds Transfer Act (EFTA). Failure to comply with these regulations can result in fines and legal consequences. Further, Card networks, such as Visa, Mastercard, and American Express, provide the infrastructure and rules that govern electronic payments and ensure that subscription-continuity merchants are operating in compliance with relevant regulations and best practices.
  4. Fraud: Continuity merchants are often targeted by fraudsters, who may use stolen credit card information to set up fraudulent subscriptions. This can result in unwanted chargebacks, lost revenue, and reputational damage.
  5. Brand risk: If a continuity merchant account is associated with a high number of chargebacks, it can lead to reputational damage for the payment processor, as well as increased scrutiny from card networks and regulators.

Because of these risks, payment processors may require higher fees , rolling reserve requirements, and stricter underwriting standards for the continuity merchant processor. They may also require a business to demonstrate compliance with various regulations and provide documentation such as auto-ship subscription cancellation policies, customer service protocols, and payment authorization forms.

Continuity Merchant Account Provider

How To Evaluate Subscription & Continuity Merchant Account Providers:

When choosing a provider for a continuity merchant account, it’s important to consider the following factors:

  1. Experience and reputation: Look for a provider with experience in processing recurring payments and a good reputation in the industry. Check reviews and ratings from other businesses and customers to get an idea of their level of service.
  2. Fees and rates: Continuity merchant accounts may come with higher fees and rates than traditional merchant accounts. Look for a provider that offers competitive pricing and transparent fee structures.
  3. Compliance and security: Processing recurring payments requires compliance with various regulations and security standards. Look for a provider that is PCI Compliant and can help you ensure compliance with the PCI Security Standards Council and other applicable regulations. More Information.
  4. Customer support: Processing recurring payments can be complex, and you may need assistance from the provider from time to time. Look for a provider that offers responsive customer support and has a good track record of resolving issues quickly and efficiently.
  5. Choose a merchant account provider that offers electronic payment diversification, such as High Risk ACH or High Risk eCheck Processing, to mitigate chargeback risks. Further, consider a payment processor that offers you “Real-TimeChargeback Alerts and online access to your merchant account chargeback data.
  6. Features and functionality: Look for a provider that offers features and functionality that meet the specific needs of your business. For example, you may need support for different billing intervals, customized cancellation policies, or integration with other software platforms.

By evaluating providers based on these factors, you can choose the one that best meets the needs of your business and provides a high-quality continuity merchant account provider.

Continuity Payment Processing

HRMA-LLC Approves Recurring Subscription Based Continuity Payment Processing:

Getting approved for continuity merchant processing can always be a challenging task. Then, sustaining your payment processing account in “Good standing ”, may also be quite difficult, as good chargeback mitigation is the key to longevity and business success. HRMA-LLC has decades of experience and can assist you in getting your continuity merchant services established quickly and can assist you in modeling your business practices to keep your continuity payment processing looked at in a professionally good-standing manner with our payment processors and acquiring banks.


  • Recurring Billing
  • Subscription Payments
  • Automatic Billing
  • Subscription-Based Services
  • Continuity Billing Solutions
  • Membership Billing
  • Monthly Billing
  • Payment Automation
  • Subscription Merchant Account
  • Recurring Revenue Models
  • Continuity Payment Processing
  • Subscription Billing Platforms
  • Payment Gateways for Subscriptions
  • Membership Management Systems
  • Recurring Billing Merchant Account

High Risk Merchant Account LLC can procure continuity merchant accounts for the auto-ship continuity business model, including free trial offers and monthly product subscriptions on auto-shipping. With past concerns from the federal trade commission on certain companies not honoring customer requests to discontinue shipping, many banks have stopped credit card processing for this industry. Provided you have a legitimate product with a creditable model, we are the leading high-risk merchant processor for your subscription continuity business. Give you a call to discuss your needs.

Multiple Processing Platforms:

  • Ecommerce Payment Gateways
  • Full CRM Payment Integration
  • Automated Recurring Payment Modules

Our Benefits:

  • SSL Secure Online Application offers fast merchant approvals.
  • Diverse Processing Solutions, include CRM Integration & Ecommerce.
  • Dedicated Account Managers to expedite the process.
  • Diversified Acquirers with appetites for the continuity space.
  • Fast Account Approvals – 99% Approved.

Our Mission:

Our goal is to approve all merchants, regardless of if you have been shut down or turned down in the past. We understand mitigating circumstances such as chargeback ratios and exponential monthly volume growth can devastate a bank relationship, causing a merchant closure or substantial holds place on an account to protect the bank from losses. We are dedicated to making every attempt to resolve issues and get your account approved. Our commitment to excellence and going the extra mile to exhaust every opportunity is our mantra. We strive to exceed expectations and utilize our expertise and competence to deliver unsurpassed customer satisfaction.

Our Commitment:

With our team’s unique experience in the payment space, we bring the vital expertise to get your account approved quickly and painlessly. Our staff is committed to providing unsurpassed customer service and strive for 100% customer satisfaction. Give us a call today to discuss all your credit card processing needs.


At High Risk Merchant Account LLC, your business success is our ultimate goal. Our dedicated staff is standing by to assist you in navigating the payment processing space. With decades of experience, our team is committed to providing competent knowledgeable advice and a plan of action to get your continuity merchant account approved quickly. Call us immediately to get on the fast track for continuity merchant account approval. Our typical turn-around time is 3-5 business days and in certain cases the very same day. We look forward to working with you!      Apply Online Today