Membership and Subscription Merchant Accounts

Signature Payments has been providing high-risk merchant accounts to businesses for over 20 years. As experts in the industry, we have a team of in-house specialists able to help you get your membership merchant account approved.

Why Choose Signature Payments?

With Signature Payments You Get…

Easy Sign-Up

Our application can be accessed online for quick and easy completion in just a few minutes.

Fast Approvals

Our application review process is quick and easy so you can begin accepting payments in no time.

No Hidden Fees

Our team will work hard to get your account approved at the lowest possible rates with no hidden fees or extras.

Flexible Solutions

We partner with multiple banks and offer domestic and offshore solutions for the flexibility you need.

High Risk Memberships Merchant Account

What is a Membership Merchant Account?

A Membership Merchant Account is a merchant account for businesses that provide a subscription-based product or service. The most common types of subscription-based businesses are those based on memberships, subscription boxes, subscribe-and-save models, digital subscriptions, SaaS, or media and streaming subscriptions.

These businesses are considered high-risk as they are more prone to chargebacks, which is what happens whenever a customer reverses a recent charge through his or her credit card bank — instead of asking you (the merchant) for a refund. The customer ends up keeping whatever was downloaded or streamed, but you lose the sale. That chargeback also adds a penalty to your merchant account.

Securing a subscription merchant account requires a payment processor who specializes in high risk and understands the unique needs of membership and subscription-based merchants.

Signature Payments has a long history of serving subscription-based merchants. We understand the unique needs of subscription merchants and our experience in the high-risk space uniquely positions us to provide the solutions and support you need to grow your business.

Frequently Asked Questions

Common Questions About Our Memberships Merchant Accounts

How do I apply for recurring credit card processing?

Applying for a Signature Payments merchant account couldn’t be easier. Just fill out this free online form. Our team will take care of the rest.

If you have questions about recurring payment processing or have any trouble filling out the online application, our in-house specialists are always here to help.

What types of membership businesses do you accept?

Signature Payments accepts a wide range of businesses related to memberships including subscription boxes, subscribe-and-save models, digital subscriptions, SaaS, media subscriptions and streaming subscriptions.

Do I need to be based in the U.S. to qualify for a merchant account?

You don’t need to be physically present in the country. Though you will need a U.S. business address and bank account to start processing payments with us.

What if I don’t have perfect credit?

At Signature Payments, we require a Personal Guarantee during the application process in almost all cases. However, we also determine your business’s creditworthiness by looking at its size, repayment history and sales records.

Is Signature Payments compatible with my existing software?

Because Signature Payments works with most major payment gateways (including, ePN and NMI), our merchant accounts integrate with most software programs. If you have questions about a specific software, please reach out. We’d be happy to answer your questions.

What criteria does my membership business need to meet, to be approved for a merchant account?

That will depend on your specific business but in general businesses must provide bank statements/processing statements showing strong performance, clearly stated refund policies and well defined price points and packages. For more information on the criteria your business needs to meet, contact us and we’d be happy to discuss your business needs.

Do I need any additional hardware for subscription payment processing?

If you sell online, you won’t need any physical hardware. Instead, you’ll need a payment gateway subscription, which is the online equivalent of a traditional credit card terminal.

Ready to Accept Payments Anytime, Anywhere?