Subscription & SaaS
From SaaS to box programmes to membership clubs — built to maximise retention and minimise involuntary churn.
Overview
Card account updater, intelligent dunning, smart retries calibrated per BIN, and a tokenisation vault built for permanence. Your subscribers shouldn't leave because of a payment failure.
What's included
Underwriting documents
A closer look
For most subscription businesses, 4–7% of monthly recurring revenue evaporates not because subscribers chose to leave but because cards expired, were reissued, or hit transient soft declines. A disciplined account updater and BIN-aware retry strategy recovers the majority of that revenue automatically.
We provision Visa and Mastercard network tokens at onboarding, so a card reissue does not invalidate your stored credential. For Amex and Discover we use card-account-updater feeds, refreshed weekly.
Decline reason codes are not equal. A soft decline (insufficient funds, transaction not permitted) deserves a retry; a hard decline (lost/stolen, do-not-honour) does not. Our engine reads the response and acts accordingly, with optional merchant-branded email and SMS sequences.
Banking partners
Tier-1 acquirers across the EEA, UK, US and APAC.
Regulatory backdrop
Mastercard subscription billing rules (effective 2022), FTC ROSCA (US), CMA subscription contracts (UK).
From application to first transaction
Day 0
Submit your application via our secure portal. A named risk officer is assigned within four working hours.
Day 1–3
We pre-screen your documents, surface gaps early and request only what's missing — no document fishing expeditions.
Day 3–10
Our risk committee reviews your file: corporate, financial, compliance and operational. Pricing is calibrated to the evidence.
Day 10–18
We negotiate placement with acquiring partners best matched to your geography, vertical and volume. MIDs are provisioned in parallel.
Day 18+
Sandbox keys on day one of placement. A dedicated integration engineer pairs with your team until first live transaction.
Portfolio KPIs
vs. prior processor, first 90 days
blended across portfolio
files delivered on schedule
merchant-initiated, T+0 in dashboard
Questions specific to Subscriptions
Yes. Starter pricing is calibrated for emerging SaaS with no processing history; underwriting focuses on the founders, the product and projected unit economics.
Yes — monthly, annual, quarterly, weekly and custom intervals, with proration, pause / resume and credit balance handling out of the box.
Yes for marketplace structures where the merchant of record passes funds through to creators or sellers.
Ready when you are
