Rebills and free trials are the fastest way to lose an ordinary merchant account. Structure underwrites subscription and continuity merchants with rebill-friendly gateways and dispute tooling at scale.
Subscription businesses depend on billing customers repeatedly, which is exactly the pattern that makes traditional underwriters uneasy. Recurring charges generate more disputes than one-off sales, and a customer can win a chargeback on a technicality.
Structure Payments underwrites continuity billing as a normal business model, with accounts generally live in about 48 hours.
Physical, digital and hybrid — anything billed on a cycle.
The billing model itself is what drives the classification, not the product.
Repeat charges introduce failure modes one-off sales never have — expired cards, failed payments and disputes over charges the customer forgot about.
Disputes arise from billing errors, service dissatisfaction and customers who simply do not recognize a recurring line on their statement.
Multiple payment methods and genuine subscription management have to be supported, including straightforward cancellation.
Fraud detection and compliance monitoring keep the dispute ratio inside the range that keeps an account open.
Subscription businesses can grow very quickly, and the payment infrastructure has to absorb that without triggering a fresh risk review.
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. Subscription and continuity merchants can be approved through a processor that underwrites recurring billing deliberately. Structure Payments approves these accounts, generally within about 48 hours.
Because recurring billing produces more chargebacks than one-off sales, and customers can win disputes on minor technicalities. Since the sponsoring bank absorbs losses when disputes cluster, banks limit and scrutinise these accounts.
Chargebacks should generally stay below 2% of all transactions. Exceeding that can lead to account closure, because disputes consume substantial resources for both the processor and the sponsoring bank.
Use a clear billing descriptor customers recognize, remind them before each renewal, make cancellation genuinely easy, confirm cancellations in writing, and refund promptly when asked rather than forcing the customer to their bank.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.