Subscription billing that doesn't drop charges.

If you run any subscription, membership, or recurring billing model, you already know the issue: cards expire, get reissued, get replaced after fraud, get declined for insufficient funds, get flagged for unusual activity — and every failed charge is a customer who silently churns out unless you have infrastructure to catch it.

Most processors don't actually solve this. They tokenize the card, charge it on schedule, and when the charge fails they send you an error message and move on. Recovery becomes your problem — phone calls, emails, dunning sequences, manual rebilling. By the time you reach the customer, half are already gone.

The fix is technical infrastructure most small ISOs don't offer: automatic intelligent retries, real-time account updater (so a reissued card automatically updates in your vault), and proper card-on-file tokenization that survives chargebacks and fraud alerts. We build on the gateways that actually have this — and we configure it specifically for your business model.

Subscription products & services

Monthly, quarterly, or annual subscriptions for SaaS, content, physical products, or services. Fixed billing intervals with optional trial periods, mid-cycle plan changes, and automatic renewals. Failed charges trigger retry sequences before any customer-visible failure.

Membership programs

Gyms, fitness studios, private clubs, professional associations, religious organizations. Initial signup fee plus recurring dues. Different membership tiers with prorated upgrades and downgrades. Pause/freeze functionality for seasonal members or vacation holds.

Retainer-based services

Law firms, accounting firms, marketing agencies, consultants. Monthly retainer billing with overage invoicing for billable hours beyond the included scope. Card-on-file for both the retainer and the variable charges.

Installment plans & financed payments

Furniture stores, jewelers, home services, auto shops, dental practices. Split a large purchase into 3, 6, 12, or 24 monthly payments. Each installment auto-charges on schedule. Failed payments trigger configurable retry rules and merchant notifications.

Auto-replenishment & recurring orders

Coffee subscriptions, pet food deliveries, supplement reorders, beauty box subscriptions. Stored card charges automatically at delivery intervals. Optional skip-shipment or pause flows that the customer can self-manage.

Donation programs

Nonprofits, churches, schools, advocacy organizations. Recurring giving with donor-selected amounts, one-time matching gifts, year-end summary statements for tax purposes, and the option for donors to cover processing fees.

We don't price recurring as a separate "premium" product. It's the same interchange-plus structure as our card-present and card-not-present processing — disclosed in writing, no buy-rate markups buried in the statement, no hidden tier shifts after 90 days.

What you pay

Interchange (Visa/Mastercard/Amex/Discover): Pass-through. We charge exactly what the card networks charge, no markup.

Processor fees: Disclosed up front. Small per-transaction fee plus a percentage. Same rate whether the charge is card-present or recurring.

Gateway fee: $10-25/month depending on which gateway and feature set. Discounted or waived for higher-volume merchants. CardPointe gateway runs higher due to the enterprise tooling.

What you don't pay

No annual fee. No PCI non-compliance fees (we handle compliance). No "subscription" surcharge on recurring transactions. No setup fee. No early termination fee — we don't use long-term contracts.

Tokenization is included

Card-on-file storage, token management, recurring billing engine access, account updater — all included in the gateway fee. No per-token charges, no per-customer surcharges, no "premium tier" upsell.