Subscription Box Merchant Account

High Risk Merchant Services for Your Subscription-Based Business

We specialize in high risk merchant accounts, so we can help get you approved and start processing payments.

We know that processing subscription and recurring payments comes with unique needs. We’ll work with you to find merchant services to help you grow, no matter which kind of subscription-based model you fall into, including:

  • Subscription boxes
  • Newspapers and magazines
  • Lifestyle and product discovery boxes
  • Software
  • Video and music streaming platforms

Subscription box merchant account application

Why your subscription-based pricing model might be classified as a high-risk business

Even with lifestyle boxes and other subscription-based goods and services on the rise, banks are still likely to classify continuity billing businesses as high-risk for a variety of reasons, including:

  • High volume of card-not-present transactions
  • An above-average number of chargebacks as customers forget to cancel subscriptions, forget they made the purchase, or want to cancel despite your refund policy
  • Companies tend to have little control over the distribution of their product, which adds to the vulnerability of chargebacks

Work with a Payment Processor That Knows Your Recurring Billing Business

Many subscription-based businesses have been turned away from merchant services for being considered high risk, but at Bankcard, high risk is our specialty. We work with businesses that take advantage of subscription, recurring, and continuity payments to provide services unique to your needs, including:

  • Confirming customer authorizations for current and future charges
  • Confirming customer identity
  • Chargeback protection
  • Scalable services and pricing

The Full-Service High-Risk Merchant Account Company


Servicing customers and clients wherever they find you… we do it all.


Full customization and control to meet your all your business needs.


Specialties that make us the top one-stop-shop for merchant services.

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