Subscriptions

Subscription payment processing.

Card acceptance for recurring billing and membership businesses.

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Subscriptions

What Paystrax covers

Mastercard
Available
Visa1
On evidence
Recurring billing
In scope
Card-on-file
Supported
Tokenisation
Supported
Processing currencies
140+
Settlement
Weekly T+3faster case by case
Chargeback prevention
Verifi · Ethoca
  1. 1Visa can be enabled where the merchant has more than twelve months of processing history and fraud, chargeback and refund ratios below 0.5%.

Subscription businesses run on Mastercard by default. We will tell you where you stand on Visa before you apply, rather than after.

Scope

What this covers.

  • Recurring billing and memberships
  • Card-on-file and tokenisation
  • Multi-currency recurring charges
  • Dunning and retry handling through your own billing logic

Underwriting

What gets looked at.

Stated plainly, so you can judge your own position before you spend time on an application.

  • Your chargeback, fraud and refund ratios. These matter more here than in any other sector.
  • Your processing history and how stable your renewal rates are.
  • How clearly the recurring charge, its amount and its cancellation path appear before purchase.
  • Card scheme availability, which depends on the evidence above.

Requirements differ by business model within this sector. We set out what we know applies to you before you apply, so you do not discover it in week three. Terms, including any reserve, are set by Paystrax in its commercial proposal.

Process

How it runs.

  1. 01

    Apply for pre-approval

    Ten minutes. You answer the questions Paystrax asks at pre-approval, and you get our own read on your profile straight away. It is our assessment, not a Paystrax decision.

  2. 02

    We review your profile

    Our team reviews your answers and tells you where the file looks weak and what would strengthen it. When you are ready, your application goes forward for pre-approval.

  3. 03

    Paystrax pre-assesses

    Paystrax's team performs an initial assessment of your application. Paystrax publishes no timing for this step, so we do not promise one.

  4. 04

    Commercial proposal

    If you are pre-approved, Paystrax sends its commercial proposal and any conditions. This is where pricing and the requirements for your business are set out.

  5. 05

    Onboarding with Paystrax

    A Paystrax account manager takes you through the merchant application. Paystrax issues inactive merchant IDs and a test gateway, you provide your documents, and you go live once the account is activated. A complete application is reviewed within three business days.

See where your subscriptions business stands.

Ten minutes, and you get our read on your profile straight away. No credit check, no obligation.

Apply now

No account, no credit check, no obligation.