Subscription & Continuity Offers
Recurring Revenue Is Only as Durable as Its Billing Practices
Continuity is a legitimate model that the payments industry treats with suspicion, because a minority of operators made negative-option billing a byword for disputes. Merchants who bill transparently can be underwritten well — and should be.
The Problem
Negative-option scrutiny from two directions
Continuity merchants answer to the FTC's negative-option rules on one side and card-network recurring-billing standards on the other, with acquirers watching dispute ratios in between. Trial-to-rebill conversion is where accounts die: unclear disclosure produces disputes, disputes breach network thresholds, and threshold programs end in termination. Many processors now decline trial offers entirely rather than distinguish good ones from bad.
What We Deliver
The working parts
01
Offer-structure review before underwriting
Your trial terms, disclosure placement, consent capture, and cancellation flow are reviewed against FTC and card-network requirements before any bank sees the application.
02
Dispute-ratio management program
Alerts, refund automation, and threshold monitoring designed to keep your ratios inside network chargeback programs rather than reacting after a breach.
03
Descriptor and rebill transparency
Descriptors, billing reminders, and receipt practices that make each rebill recognizable, converting would-be disputes into ordinary cancellations.
04
Banks that underwrite continuity on its merits
Placement with acquirers that evaluate trial and subscription offers individually instead of refusing the model wholesale.
05
Ratio and reserve reviews on a schedule
Standing reviews of your dispute performance and reserve terms, so improving numbers translate into better terms rather than going unnoticed.
Also in High-Risk Expertise
Send one statement. Get a straight answer.
We'll separate interchange from markup, show you what's negotiable, and put a recommendation in writing — whether or not you sign with us.
No exclusivity · No pressure · A written analysis either way