Merchant Account for Continuity Billing

High Wire Payments helps subscription-based and recurring billing merchants stay approved with stable, long-term banking. Whether you run monthly supplements, skincare, or digital memberships, we build continuity billing setups that scale safely.

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Continuity billing is one of the most profitable and efficient business models online—but it also carries the highest risk in payment processing. Many continuity merchants are suddenly dropped by Stripe or PayPal after “excessive billing activity,” even if their rebills are legitimate and authorized. High Wire Payments offers real continuity-friendly merchant accounts built for compliance, low chargeback ratios, and long-term stability.

What is continuity billing?

Continuity billing refers to any recurring payment model where customers are automatically billed each cycle—such as monthly subscriptions, rebill offers, or membership renewals. This model keeps revenue consistent, but it can trigger automated risk flags if billing data isn’t managed properly.

Processors without experience in this model often classify it as “trial continuity” or “rebill risk,” freezing accounts due to refund volume or mismatched terms. High Wire Payments prevents these disruptions by working only with banks experienced in high-risk continuity programs.

Industries that use continuity billing

Health, wellness, and supplement subscriptions
Beauty and skincare rebill programs
Digital courses and membership sites
Media buyer and affiliate continuity offers
Software and app subscription services

Why continuity merchants are labeled high-risk

Banks and gateways categorize continuity models as high-risk due to refund cycles, customer disputes, and unclear billing terms from some marketers. Even compliant merchants often face rolling reserves, withheld funds, or random audits.

High Wire Payments eliminates these barriers by pairing continuity merchants with banking partners who already understand rebill and subscription metrics. We review your billing terms, disclosure pages, and processor statements to build a compliant account that grows with your business.

Features of a High Wire continuity merchant account

Custom continuity and subscription billing setup
Interchange-plus pricing and transparent fees
Gateway integrations for NMI or Authorize.net
Chargeback monitoring and alert tools
Support for continuity CRM platforms and rebill automation

Learn more about our high-risk merchant accounts and how we keep continuity businesses compliant.