Continuity & Subscription Merchant Accounts

Effective payment processing solutions for businesses offering subscription services.

Struggling with merchant account issues like freezes, holds, or shutdowns? Get the fastest safe way to process payments with Easy Pay Direct.


Chargeback Mitigation


Recurring Billing


Reduce Decline Rates


Fraud Prevention

  • Chargeback Mitigation
  • Recurring Billing
  • Reduce Decline Rates
  • Fraud Prevention

Accept Continuity & Subscription Payments TODAY!


Process subscription based payments securely with Easy Pay Direct

Continuity and subscription based products are considered high risk due to the nature of how they work and the increased likelihood of chargebacks.

Your business needs a specialized payment processor tailored to your industry.

At easy pay direct we’ve been working with continuity and subscription products for over 10 years. Our specialists are on standby and ready to set up your new merchant account.

Accept subscription payments quickly and worry less about account issues by filling out our quick form today.

informational product merchant account

If your merchant account was shut down today and you could no longer accept credit cards, how long could you keep the doors open?

Everyday basic payment facilitators and companies like Stripe, PayPal, Square, Shopify, etc. Shut down thousands of accounts.

It’s not a matter of IF you’ll get shut down, but WHEN…

If your provider held your money for 90 days would you survive?

If they placed a 10% hold on your account, could you make payroll?

It’s time to upgrade to Easy Pay Direct.





Online Application

Fill out a quick form and our team will do the rest. You’re one step closer to the fastest safe way to process payments.




Payment Optimization

A certified payment specialist will match your business with a merchant account that was built for your industry.



Accept Payments

Accept payments worry free with future-forward technology made to help your business scale.

Easy Pay Direct has been amazing! Incredibly helpful and super simple to get set up and running. Highly recommended!


Will Allen

I have used easy pay direct for years. They are great. You need someone you can trust to navigate payment processing and they know the space well.


Lucas Siegel

Easy Pay Direct is without a doubt one of the best payment processing solutions for those with higher risk businesses. Can’t recommend them enough.


Chris Seiter

What Other Features Does Easy Pay Direct Offer?

  • PTransaction Routing

    Automatically route transactions across multiple merchant accounts. If one ever goes down, your others are still processing.

  • PWhite Glove Service

    You’ll have 1 point of contact that is available when you need them. No more chat-bots, no more phone trees. 

  • PDecline Recovery

    Most businesses don’t realize how much their decline % lowers revenue. We will help you keep approval rates high.

  • PChargeback Mitigation

    Stop chargebacks before they begin with our anti-chargeback tech.

  • PHosted Checkout

    Add payment buttons and invoicing to any of your website pages.

  • PRecurring Billing

    Built in recurring billing for subscriptions and multiple payment options.

  • PMobile Payments

    Accept and send payments with our easy to use mobile dashboard.

  • P250+ Integrations

    Integrate to almost any shopping cart in the world, we can set this up for you!

  • PBanking For Every Vertical

    We have personal relationships with banks across the USA & Canada to get your accounts approved.

  • PUnlimited High Ticket

    Process high ticket transactions regularly without issue

Subscription & Continuity Business Types

Nearly any type of business can consider entering the world of continuity subscription billing. A few types of businesses that often use this type of billing are:

    • Membership sites
    • Meal Kit sites (HelloFresh, Blue Apron, Home Chef)
    • Weight Loss sites (Weight Watchers, Nutrisystem, etc.)
    • Magazines and Newspapers
    • Subscription Box sites (Harry’s, Ipsy, SitchFix, BarkBox, etc.)

Any type of business can benefit from this type of billing. It is very popular! All you have to do is provide goods or services regularly.

Continuity & Subscription Payment Processing Info

In comparison to more traditional retail operations, businesses that employ a subscription or recurring billing model often have a more difficult time obtaining merchant processing. Why is this? There are two main reasons:

    • Chargebacks. When a consumer’s card is charged, they have 180 days to legally dispute the transaction. This often happens when a merchant continues to charge them after a “free trial.”
    • Fraud. Using this type of billing, a customer is charged every month until they explicitly cancel it. Unscrupulous businesses sometimes take advantage of a customer’s tendency to forget what they’ve signed up for.

That said, it’s easy to resolve these issues, by partnering with a merchant account provider who specializes in this area.



Gratefully, there are many ways that merchants can reduce chargebacks and fraud, yet continue to use this billing model.

    • Make sure the consumer understands they are subscribing, and they will be billed regularly. Then, require them to confirm that choice. Clear communication builds trust, while also reducing chargebacks.
    • Clearly label details of recurring payments, and put them where they will be seen. Hiding important information in the fine print makes a merchant look dishonest, and leaves a customer feeling tricked.
    • Put your business contact information in plain sight. When customers know they can simply reach out for a refund, they are less likely to dispute transactions.
    • Chargeback mitigation programs alert you to new chargeback activity on your merchant account. They can also resolve disputes with customers before they turn into chargebacks.
    • Don’t employ a “sketchy” subscription model. Don’t make your customers explicitly tell you about services they do not want to get, as these are usually suspect.

Why Easy Pay Direct?

We pride ourselves on making your life easier and facilitating the growth of business across the globe. We have been doing this successfully for years and have helped countless businesses achieve their full potential, just check out some of our testimonials. More importantly, Easy Pay Direct would love to play it’s part in helping you achieve your goals and service your consumers smoothly. if you’re interested in working with us, you can start your EMAP  application below or call us at: (800) 805-4949 | Get Set-up with a Merchant Account »

Continuity & Subscription Merchant Accounts FAQ

What is a continuity & subscription merchant account?

A continuity & subscription merchant account is a type of merchant account that allows businesses to charge customers on a recurring basis for a service or product, such as a monthly subscription.

Why would a business need a continuity & subscription merchant account?

Businesses that sell subscriptions or recurring services such as monthly memberships, software, or streaming services would benefit from using continuity & subscription merchant account as it allows them to automatically charge customers on a regular basis without needing to manually process payments each time.

Are there any additional fees associated with a continuity & subscription merchant account?

There may be additional fees associated with a continuity & subscription merchant account, such as higher processing fees or a higher monthly account fee. These fees are typically charged to cover the additional risk associated with recurring payments.

Can I use a regular merchant account for my continuity & subscription business?

Yes, a regular merchant account can be used for continuity & subscription business, but you may face limitation in terms of automation for recurring payments, some providers also may have different rate for recurring payments. It’s a good idea to consider specialized providers that offer merchant services specifically for continuity & subscription business as it might have better rate and features.

What is the process for setting up a continuity & subscription merchant account?

To set up a continuity & subscription merchant account, you will need to apply with a merchant account provider that specializes in this type of account. The provider will review your application and determine whether to approve you for an account. You may be required to provide additional documentation, such as your business license and credit history, as part of the application process.








Merchant Accounts FAQ

If you want to know more about payments, pricing, or solutions to problems you are experiencing, we are always ready to help you.

What industries does Easy Pay Direct work with?

Easy Pay Direct specializes in high risk payment processing but we also work with mid risk and low risk companies.

Here is a short list of some business verticals we service:

  • Antiques & Collectibles
  • Apparel & Clothing
  • Bad Credit
  • Bus Lines
  • Cannabis Support Businesses
  • Caterers
  • CBD Oil & CBD Products
  • Continuity Products and Subscription Boxes
  • Credit Repair
  • Credit Monitoring
  • Debt Collection
  • Digital Streaming
  • Document Preparation
  • Fantasy Sports
  • Firearms & Ammunition
  • Furniture & Home Furnishings
  • Health & Beauty
  • Hotels & Lodging
  • Insurance / Warranty
  • Legal Services
  • Magazine Subscriptions
  • Medical Billing & Coding
  • Medical Supplies
  • Membership & Recurring Billing
  • MLM Companies
  • Transportation & Moving
  • Non-Profit
  • Nutraceuticals
  • Pawnbrokers & Pawn Shops
  • Pet Products
  • Precious Metals
  • Property Management
  • SaaS Companies
  • Seminars & Coaching
  • SEO / SEM / Ad Agency
  • Smoking Accessories
  • Sports Betting
  • Survivalist & Tactical Gear
  • Telemedicine
  • Tobacco & Cigar
  • Travel & Timeshare
  • Vape / e-Cig / eJuice
  • Veterinarians
  • Web Design & Development

Why is my business considered high risk?

“High Risk” is a banking industry term. It’s important to note that there are many business models that are seemingly low risk, but fall into the high risk category.

There is nothing wrong with being considered high risk and there are many factors that contribute to risk.

When a consumer buys an item with a credit card, they are given 6 months from the date of receiving the item to dispute the charge.

If your business is no longer operating, who do you think has to refund that money? The processor. This is where risk is created.

Certain businesses, marketing models, and industries have a higher rate of chargebacks, where they get labeled as high risk.

Even if your business is perfect, has never had a chargeback, and operates 100% “by the books”, you could be labeled high risk if you’re business or industry falls into a high risk category.

There are 3 main reasons a business can be considered high risk.

  1. The business has a greater chance of chargebacks occurring
  2. The business model may be new or legally regulated
  3. The business accepts a high number of card not present transactions (over the phone, email, eCommerce)

Do you provide merchant account services outside of the USA?

At this time Easy Pay Direct offers merchant account services for the USA and Canada. We are always working to expand our areas of processing and hope to serve a greater area in the near future.

Can my startup or new business be approved?

We have worked with many new brands and start-ups to get them approved and running. However, banks like to see a long history of transactions and an established history with a merchant before approving them.

But, that does not mean we can’t get you approved. Reach out to us today and we will walk you through your options.

How long does it take to get approved for a merchant account?

Once all of the necessary documents have been received, it typically takes 1-4 days to get approved.

Occasionally accounts can be approved in less than 24 hours, our team will work as quickly as possible to get your account up and running.