If your subscription business keeps hitting declines and account freezes, our team is ready to help. We deliver subscription merchant accounts with a dedicated recurring billing gateway, account updater, chargeback protection and fraud prevention - built for the way subscription businesses actually grow.
Our team specializes in subscription and recurring billing merchants, which sets us apart from processors that treat recurring revenue as a red flag. You will work with a dedicated account manager who helps you choose the subscription payment solutions that fit your billing cycles and plans.
We integrate recurring billing with the subscription platform, CRM and accounting tools you already use - no technical skills required. Once you apply, you will complete a short application covering your plans, churn and processing volume. After underwriting reviews your information, our subscription payment processing team finishes setting up your recurring billing merchant account.
From SaaS and membership sites to boxes, clubs and digital subscriptions, we provide affordable, reliable recurring billing credit card processing tailored to the unique challenges of subscription business models.
Everything you need to accept payments and grow with confidence.
There are many compelling reasons to choose Karma Card Payments for processing recurring credit card transactions for your subscription business. Here are the key benefits our recurring billing solutions offer.
Our subscription payment gateways are designed to maximize recurring revenue. We give you secure, flexible billing tools - from automatic rebilling and free-trial conversions to an account updater that refreshes expired cards so failed payments do not cost you loyal subscribers.
Chargebacks are a serious concern for subscription businesses, where forgotten renewals drive disputes. Beyond lost revenue, excessive chargebacks can trigger penalties and account loss. We use advanced prevention and dunning tools to protect your subscription merchant account and help you contest "friendly fraud."
Fraud prevention is built into every recurring transaction we process. Our solutions flag suspicious sign-ups and stolen-card subscriptions before they bill - essential protection for recurring-revenue businesses with elevated dispute exposure.
Recurring billing powers many business models. We provide omnichannel subscription payment processing for digital, physical and membership operations of every size.
Share your contact details and a member of our subscription payment processing team will schedule a call to build the right recurring billing merchant account for your business.
Answers to the questions subscription businesses ask us most about recurring billing, chargebacks, fees and getting approved.
We provide omnichannel subscription payment processing so you can take cards wherever your customers are:
Online: We offer secure recurring billing gateways that automate sign-ups, free trials, renewals and an account updater to recover failed payments.
In person: We support hybrid models with POS and card readers for businesses that sell memberships in person as well as online.
Over the phone: Our virtual terminals let you set up and manage recurring plans for customers over the phone.
Subscription processing fees typically range from 2% to 4%. Recurring-billing models often carry higher-risk pricing because forgotten renewals raise chargeback rates.
We focus on affordable recurring billing, pairing competitive rates with dunning and account-updater tools that recover revenue and lower your effective cost.
To speed up approval of your subscription merchant account, gather the following before you apply:
Your website should use an SSL certificate and HTTPS and include your legal business name, contact details, a Privacy Policy, Terms & Conditions, a Refund and Return Policy, and clear pricing so underwriting can approve your account quickly.
Banks view recurring billing as higher-risk because automatic renewals, free trials and continuity offers generate elevated chargebacks and refund requests. A specialized processor matters - we underwrite subscription businesses every day and add prevention, dunning and account-updater tools that keep your recurring revenue and your merchant account stable.
Most subscription merchant accounts are approved within 24-48 hours once we have your completed application and supporting documents. Because underwriting for high-risk accounts is more detailed, having clean statements and a compliant website ready is the fastest path to approval.
