Merchant Processing for Membership & Recurring Billing

Moneybox offers cutting-edge credit card processing for Membership & Recurring Billing.

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Many Credit Card Processors Shy Away from Businesses that Employ a Membership or Recurring Billing Model Due to Inherent Risks.

Firstly, this billing approach often sees higher chargeback rates because customers might forget they’ve agreed to recurring charges, leading to disputes. Secondly, some companies have engaged in dubious practices like using misleading terms or hidden fees, tarnishing the reputation of recurring billing. Lastly, startups with this model might face issues like product delivery delays or high customer dissatisfaction, resulting in a surge of chargebacks that can cripple a new business.

Moneybox has embraced serving businesses with membership or recurring billing models from the very beginning. We leverage our strong ties with credit card processors and sponsor banks who specialize in high-risk business sectors. This allows us to offer robust support for these businesses, particularly those operating online with recurring billing. Additionally, our advanced, integrated chargeback and fraud prevention tools are designed to mitigate some of the inherent risks associated with this billing method, giving our merchants an edge in managing these challenges.

Membership Solutions and Software Integrations

Effortlessly Integrate with Premier Membership and Software Platforms:

Moneybox provides membership and recurring billing merchant accounts that integrate effortlessly with a variety of leading plugins and software platforms in the industry. Compatible solutions include:

  • Membership Plugins: Memberpress, aMemberPro, S2Member, LearnDash, Restrict Content Pro
  • Marketing Automation Platforms: ClickFunnels, InfusionSoft, OntraPort

Additional Compatibility:

Our services extend beyond these, offering integration capabilities with numerous other CRM and software suites that support Authorize.net, NMI, or USAePay payment gateways.

Can’t Find Your Plugin or Software?

If your preferred membership plugin or software isn’t on our list, or if you have questions about integration, please feel free to reach out to our sales team for assistance.

Frequently Asked Question

For approval, businesses utilizing a subscription or recurring billing model need to adhere to these criteria:

  • Trial Periods: No 7-day or 14-day free trials unless explicitly approved by underwriting.
  • Trial Offers: Cannot offer “free plus shipping fee” promotions bundled with free trials.
  • Contract Length: The maximum duration for recurring billing agreements should not exceed 12 months.
  • Reseller Agreements: Must provide reseller agreements when applicable.

What industries does Moneybox Merchant Services accept as clients? Moneybox specializes in mid-risk as well as specific high-risk industries (the terms “mid-risk” and “high risk” are used here from the perspective of the merchant services industry). We are proud to serve the following industries:

  • Accounting & Tax Prep
  • Adult
  • Airlines
  • Alcohol
  • Antiques & Collectibles
  • Apparel & Clothing
  • Automotive
  • B2B
  • Bad Credit
  • Bail Bonds
  • Bar & Restaurant
  • Cigars & Tobacco
  • Cleaning Service
  • Clothing & Apparel
  • Collectibles
  • Continuity / Subscription Products
  • Continuity-Subscription
  • Credit Monitoring
  • Debt Consolidation
  • Dental
  • Digital Downloads
  • Digital Streaming
  • Document Preparation
  • Drop Shipping
  • Ecommerce
  • Educational Seminars
  • Electronics
  • Events
  • Furniture & Home Furnishings
  • Guns & Firearms
  • Gyms, Fitness & Yoga
  • Hair & Beauty Salon
  • Health & Fitness
  • Healthcare
  • High Volume
  • Hotel & Hospitality
  • Hotels & Lodging
  • Hunting & Outdoor Equipment
  • Insurance
  • Insurance / Warranty
  • Jet Charter
  • Law Firms
  • Legal Services
  • Magazine Subscriptions
  • Medical Billing & Coding
  • Medical Supplies
  • Membership & Recurring Billing
  • MLM Companies
  • Moving Companies
  • Nonprofit
  • Nutraceuticals & Supplements
  • Online Dating
  • Pawnbrokers & Pawn Shops
  • Pet Products
  • Precious Metals
  • Property Management
  • Real Estate
  • SaaS Companies
  • Self Defense, Tasers & Stun Guns
  • Seminars & Coaching
  • SEO & SEM Services
  • Smoking Accessories
  • Survivalist & Tactical Gear
  • Taxes and Accounting
  • Tech Support
  • Telemedicine
  • Ticket Agencies
  • Tobacco & Cigar
  • Transportation & Moving
  • Travel & Timeshare
  • Travel Agency*
  • Utility
  • Vape / e-Cig / eJuice*
  • Veterinarians
  • Web Design Services

Please note, this is NOT a complete list; Moneybox Merchant Services Inc. serves hundreds of additional mid and low risk industries, too. We do not have a full list of industries we can work with, instead we keep a list of business that we currently can not support. See our FAQ page for more info. If the opportunity is right we will of course try to be considerate.

Sorry, we are unable to provide merchant services for foreign or offshore businesses, or any company that is headquartered, or operates, outside of the USA. We are also unable to provide merchant services for any business whose owner does not have a valid SSN and US issued identification (driver’s license, US passport, etc). That said we are working to fix this issue and should have a solution early 2025.

Yes, your startup or new business can be approved by Moneybox Merchant Services for a merchant account. We love startups! While newer businesses without processing history sometimes encounter hurdles when it comes to approval, Moneybox has helped many brand new businesses get their start in payment processing.

A high-risk merchant account is designed for businesses deemed as “high-risk.” These types of businesses have a greater likelihood of chargebacks, fraud, or other financial risk factors. High-risk businesses require such accounts to be able to accept credit and debit card payments.

Various industries are considered high-risk because of their inherent attributes. Some examples include CBD (Cannabidiol) products, e-cigarettes, vape products, stun guns, credit repair services, multi-level marketing, adult products/services, pawnshops, dietary supplements, SEO services, and tech support.

No central authority determines a business’s high-risk categorization. Every payment processor or bank sets its own standards, often based on internal risk management criteria. Providers assess businesses based on several detailed information bits to ascertain risk levels.

Factors contributing to a high-risk business include being a new business, having poor credit records or low credit scores, operating in controversial or highly regulated industries, relying heavily on international sales, and previous placements on the MATCH list by payment processors.

High-risk merchant accounts differ from regular accounts in several ways such as having a longer application process, higher payment processing fees, cash reserve requirements, volume caps in credit card processing, higher chargeback fees, and additional requirements based on the business type.

A high-risk business should ensure it maintains healthy cash levels, tries to reduce chargebacks, discloses all relevant information during the application process, keeps its financial documents ready, and adheres to the guidelines set by its payment processor.

A high-risk business can find a suitable merchant services provider by researching and listing down payment processors that cater to their industry. Businesses should consider factors like the processors’ experience in their industry, processing fees, equipment provided, customer support, experience with businesses in the same industry, and support for diverse payment methods.

Moneybox Merchant Services Inc. may not cater to all high-risk businesses (e.g. CBD merchants). It offers an upfront underwriting process that identifies risk factors early, saving the merchant time and potential costs. However, if Moneybox cannot service a particular business, they may recommend a processor better suited to your needs.

Start A Complimentary Rate Analysis

Discover hidden savings in your merchant account

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What you’ll get:

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Upload a recent merchant statement

We will identify where the WASTED SPEND hides within your EXISTING merchant account.

We will present an overview of account and fee health and discuss whether significant savings can be achieved.

You are not obligated to purchase anything.

You do not pay us ANYTHING unless you elect to have Verisave implement cost reductions on your behalf.