Best for
- SaaS, membership, and continuity merchants on dedicated MIDs
- Nutra and supplement free-trial / continuity offers (ROSCA-compliant)
- Subscription box, streaming, coaching, and digital-product rebills
- Merchants migrating off Stripe Billing or Recurly after termination
How it works
The recurring-billing problem isn't the first charge — it's the rebill. Customers forget they subscribed, see the renewal charge weeks later, and dispute it. Card-on-file rebills also fail at the issuer when the card reissues, expires, or hits a soft decline (insufficient funds, fraud rule, velocity cap).
A real recurring infrastructure layers four things on top of the MID: network tokenization (issuer-side tokens that persist across reissues), account updater (Visa AU + Mastercard ABU pulls fresh card data), intelligent retry (per-decline-code timing), and descriptor optimization (recognizable billing strings that reduce dispute risk).
What's included
Visa VTS + Mastercard MDES tokens. Survive card reissues without re-collecting payment details.
Real-time refresh of card-on-file data when issuers reissue cards (lost, stolen, expired).
Per-decline-code retry timing. Insufficient funds gets a different schedule than 'do not honor'.
Proper merchant-initiated transaction flagging on every renewal — required by card networks since 2018.
Recognizable billing descriptors reduce 'I don't recognize this charge' disputes by 20–40%.
Verifi RDR + Ethoca alerts kill renewal disputes pre-chargeback when the customer disputes.
Pricing
Recurring billing is included on every subscription-capable MID we provision — no separate platform fee. Network tokenization and account updater carry standard interchange-plus economics; alerts run $0.30–$0.50 per alert.