Instant delivery and no shipping proof make digital goods a chargeback and fraud target, so banks decline them. Structure underwrites software, downloads, e-books and virtual-goods merchants with dispute tooling built for intangible products.
Digital goods are delivered the instant a card clears, which is exactly what makes them risky to a bank. There is no shipment to prove, no tracking number to point to in a dispute, and fraudsters know a stolen card buys a download before anyone notices. So mainstream processors decline the category.
Structure Payments underwrites software, downloads, e-books and virtual-goods merchants with the fraud screening and dispute tooling intangible products need to keep the account open.
The intangible-product categories banks decline.
The category is declined on delivery and fraud risk, not on how you run it.
With nothing to ship, there is no tracking number to win a dispute, so banks carry more risk on every sale.
Stolen cards buy digital goods because delivery is instant and anonymous, and the payment stack has to screen for it.
Buyer's remorse and 'I did not buy this' disputes run higher on intangible products, so the vertical needs dispute tooling.
Digital subscriptions add rebill disputes that ordinary processors decline on the pattern alone.
Some acquirers exclude intangible goods by blanket policy regardless of how a specific business operates.
No drawn-out underwriting theatre. A real person, a real timeline, a real approval.
One short form and a quick document upload. Your dedicated rep reviews it the same day — no call-center runaround.
We match you to the right banking relationship and gateway for your industry, chargeback history and volume.
Credentials, gateway and cart integration go live. You're accepting cards — usually within about 48 hours of applying.
Yes. Software, download and virtual-goods merchants can be approved through a high-risk processor that underwrites intangible products. Structure Payments approves them, usually within about 48 hours.
Because instant delivery leaves no shipment to prove in a dispute, they attract card fraud, and intangible products see higher chargebacks. That mix pushes the category outside mainstream underwriting.
Yes. Recurring billing for digital subscriptions is supported as standard, with the dispute tooling that keeps chargebacks inside the thresholds that keep an account open.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.