Merchant Accounts For Continuity Products and Subscription Boxes

SoarPay offers credit card processing solutions for businesses offering Continuity Products or Subscription Boxes.

Why We Proudly Offer Solutions for Continuity and Subscription Box Businesses (Even When Many Processors Don’t)

Running a business selling continuity products or subscription boxes can be fantastic due to the monthly recurring revenue. Customers also benefit greatly from quality products and services received each month. However, many merchant services companies do not work with continuity or subscription box industry businesses, for three primary reasons:

Continuity and Subscription Boxes Credit Card Processing

  1. Many businesses offering continuity products or subscription boxes have a moderately high chargeback rate, due to the recurring billing aspect of these businesses. Customers sometimes forget they’ve signed up, fail to understand that they’ll be billed monthly, or are unhappy with the product or service and opt to institute chargebacks.
  2. Some “bad apple” businesses in these industries resort to questionable tactics in order to obtain registrations and sign ups. Presenting misleading information, not delivering the product or service, and other items have given the industry a bit of a black eye (in the context of merchant services.
  3. Many of these businesses process transactions online or over the phone, where the cardholder is not present. This is higher risk than “in person” processing.

Due to these three risks, many merchant services providers decline to accept any continuity or subscription box business, whether they operate as an online store, or even have a physical location.

Soar Payments, by contrast, has consistently offered solutions for the continuity and subscription box industries since our founding. Our extensive relationships with credit card processors and sponsor banks who have the capability to underwrite regulated industries, in addition to our integration of chargeback and fraud prevention software, uniquely positions Soar Payments to provide businesses selling subscription boxes or continuity products with stable, effective, long term credit card processing solutions.

Click Here to Apply Online Now. It takes about five minutes, and you’ll receive an instant price quote to DocuSign.

Frequently Asked Questions for Continuity Product & Subscription Box Credit Card Processing

Here are common questions specific to subscription box and continuity product merchant accounts:

What types of continuity product or subscription box businesses do you service?

Soar Payments offers merchant processing solutions for a wide range of retail, eCommerce and mobile-based businesses pursuing continuity product or subscription box sales. Types of businesses include those selling courses, subscriptions to websites, various household products, brand new inventions, and more.


I want to offer free trials, will I be approved?

Free trials are in a gray area no matter what type of product or service your business is offering – due to the increased chargeback risks associated with the practice. For example, if you’re selling a nutraceutical product, free trials are simply not accepted by any banks Soar Payments currently works with. However, if you are selling another type of product or service, the bank will usually evaluate the business on a case by case basis and potentially could approve.


I want to set my continuity product or subscription box registration to auto-opt-in, is this supported?

Unfortunately at this time we cannot offer merchant accounts for continuity or subscription box businesses that have auto opt-in as part of their sales funnel. Auto opt-ins tend to increase chargeback risk tremendously, to a level that the banks and processors we work with are unwilling to accept at this time.

Have another question? Click here to read our full FAQ.

Other Questions? Call: 1 (888) 225-9405


Types of Continuity Product and Subscription Box Merchant Accounts

Soar Payments offers a full-array of merchant accounts to online and even brick-and-mortar continuity and subscription box businesses. These include:


A retail merchant account for subscription boxes or continuity products enables businesses to accept face-to-face debit and credit card payments via a traditional credit card machine or point of sale system.
Ideally suited to a storefront or retail setting with reliable internet access, retail subscription box or continuity product credit card processing accounts typically have the lowest chargeback and fraud risk and as a result are afforded the lowest credit card processing pricing. This is the least typical type of merchant account needed in these industries.

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A mobile merchant account for subscription boxes or continuity products enables your business to accept face-to-face credit and debit card payments via a swiper (included with each account) that plugs into your mobile phone or iPad.

Appropriate for businesses that frequently conduct face-to-face sales outside of a storefront, mobile accounts are priced similarly to retail, due to their lower chargeback risk. This is another less-than-typical type of merchant account needed in these industries.

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Virtual Terminal

Also called a payment gateway merchant account, a virtual terminal enables businesses to accept payments over the phone, via mail, or typed into a computer (without needing outside equipment). They also have invoicing solutions which allow the merchant to email an invoice to the customer, which they can pay online.

A subscription box or continuity product payment gateway account is ideal for businesses that accept payments over the phone, or via mail order. Virtual terminal payments are particularly vulnerable to fraud, therefore Soar Payments offers integrated chargeback protection. This is one of the more common types of accounts businesses in these industries pursue.

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An eCommerce subscription box or continuity product merchant account allows you to accept credit card payments via your website’s online shopping cart or checkout page.

Our eCommerce credit card processing accounts integrate seamlessly with most major payment gateways and shopping cart software, making setup simple. Online subscription box or continuity product payments are vulnerable to fraud and chargebacks, consequently, we offer pre-integrated fraud protection technology. This is the most common type of merchant account sought by businesses in these industries.

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Our Personal Guarantee

Soar Payments offers every client three guarantees (whether your business specializes in continuity product or subscription box sales):

  1. Instant Online Quote. When you submit your application, you’ll get an instant price quote to DocuSign. No offline paperwork, no faxes, no waiting.
  2. Industry Minimum Pricing. You will automatically receive Industry Minimum Pricing in your online quote. No more frustrating haggling with sales reps.
  3. USA-Based Customer Support. When you call or email, you’ll always speak to our friendly support team, based in Houston, TX.


How Does The Application Process Work?

Step 1. Apply Online

Complete the online application process (it takes 5 minutes). Click here to begin.

Step 2. Get An Instant Quote

You’ll instantly receive a quote with Industry Minimum Pricing to DocuSign.

Step 3. Start Accepting Payments

Our Houston based Customer Support Team will help you get set up, fast and easily.

Our friendly Customer Support Team is standing by to approve your application:

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