Recurring & Continuity
Subscription Commerce
Recurring businesses live and die on authorization health. Small approval-rate differences compound across every billing cycle.
Underwriting & acquiring considerations
We start from your existing environment — volumes, approval performance, disputes, reserves, banking and partner mix — then design the acquiring, redundancy and risk architecture around it, with scaling considerations built in.
Request an Assessment- Account updater, network tokens and retry logic
- Decline-reason analysis and routing by issuer
- Dunning cadence and involuntary churn recovery
- Multi-acquirer failover for billing continuity
Engagement
Assess
Understand the merchant's current payment infrastructure, economics, risk profile, constraints and objectives.
Architect
Design an acquiring and payments strategy around resilience, performance, scalability and redundancy.
Select
Identify appropriate partners and manage the underwriting and implementation process.
Optimize
Continuously evaluate approval rates, costs, reserves, chargebacks, routing and overall payment performance.
Banking appetite and underwriting requirements vary by business model. We evaluate each company individually and never guarantee approval. Basis Point is not a bank, acquiring bank, payment processor or card network.
Related intelligence
- High-Risk Payment Processing: A Complete GuideWhat 'high-risk' actually means to an acquirer, how these accounts are priced and underwritten, and how to build a stack that survives a category repricing.
- Nutraceutical & Supplement Payment ProcessingWhy supplement merchants are underwritten on claims, rebill mechanics and refund behaviour long before volume enters the conversation.
- Subscription & Continuity Payment ProcessingIn recurring businesses, a point of approval rate compounds every cycle — and the same mechanics that create revenue create dispute exposure.
- Merchant Underwriting: What Acquiring Banks Actually Look ForThe file a risk officer wants, the questions behind each document, and the items that quietly decide reserves and caps.