Why underwriters look closely at subscription
Forgotten renewals
Customers who forget a subscription dispute the renewal instead of cancelling.
Renewal laws
Federal law and state automatic renewal laws set rules for disclosure, consent and cancellation.
Failed payments
Expired and reissued cards quietly erode revenue and push up decline rates.
A payment setup that fits
How we usually set up subscription businesses. Your consultant tailors it to how you actually sell.
- 1
Card updater
Visa Account Updater and Mastercard Automatic Billing Updater refresh cards on file before renewals fail.
- 2
Smart retries
Retry failed renewals on a schedule instead of hammering the card.
- 3
Renewal notices
Reminders before annual renewals, and one-step online cancellation.
What you’ll need to apply
Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.
- Government ID for every owner with 25% or more
- Voided business check or bank letter
- Recent business bank statements
- Recent processing statements, if you have taken cards before
- Articles of incorporation and EIN letter
- A website with clear pricing, refund, cancellation and contact details
- Pricing page and renewal terms
- Cancellation flow screenshots
- Refund policy
Why applications get declined, and how to avoid it
- Renewal terms not shown at signup
- Cancellation only by phone or email
- A high dispute history with no plan to fix it
We review your website, policies and statements against these before anything is submitted.
Keeping the account healthy after approval
Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.
- Show the next billing date in every receipt
- Make cancelling as easy as signing up
- Use a billing descriptor that names your product
Subscription: common questions
How do we reduce failed renewals?
Card updater services, retries timed for when payments tend to succeed, and an email asking customers to update their card. Together they recover a large share of failed renewals.
Do automatic renewal laws apply to us?
If you sell to consumers, probably. California and several other states have specific rules. We’ll flag anything in your flow that looks risky.
Is subscription software high risk?
Business software sold to companies usually isn’t. Consumer subscriptions with trials or physical shipments are reviewed more closely.
What happens after I’m approved?
We keep working with you. Our platform gives you one view of every account, and we review your chargebacks, approval rate, fraud tools and fees with you so the account stays healthy and gets cheaper over time.