A subscription payment processor for high-risk verticals
Recurring billing puts you under negative-option scrutiny, forgotten rebills feed your dispute ratio, and involuntary churn eats 7 to 15% of renewals. Flint runs renewals that customers confirm and no bank can reverse.
Why subscriptions plus high-risk is the hardest combination
Regulators target recurring billing itself
Negative-option rules and click-to-cancel enforcement mean stored-card rebills draw FTC and card-network attention on top of your category's baggage. Underwriters price that stacking.
Forgotten rebills become disputes
'I didn't know I was still subscribed' is the classic nutra and content-site dispute. Each one costs the sale, a $25 to $100 fee, and ratio damage toward the 0.9% line.
Involuntary churn quietly compounds
Expired cards, reissued numbers, and soft declines fail 7 to 15% of rebill attempts. Dunning recovers some, but every retry burst also looks like card testing to risk models.
The whole model dies with the MID
A card-on-file business can't limp along after termination. When the account freezes, every renewal fails simultaneously and recovery means re-collecting every customer.
How recurring billing works on Flint
Renewal requests, not silent pulls
Each period generates a payment request the customer confirms. Webhooks extend access on confirmation or expire it on a missed window you define.
Zero forgotten-rebill disputes
Nothing is charged without the customer acting, so the dispute category that defines high-risk subscriptions structurally can't occur.
Dunning by reminder, not retry
Replace decline-retry loops with a reminder sequence: email at renewal, grace period, then expiry. No decline codes, no card-updater fees, no retry bursts flagged as fraud.
No card expiry churn
Crypto balances don't expire or get reissued. The 7 to 15% of renewals lost to card lifecycle events isn't part of this rail.
Revenue that survives a card shutdown
Run Flint renewals beside card billing. If the MID dies, the crypto cohort keeps renewing while you rebuild the card side.
Pick your plan
Monthly fee plus a rate per sale. Upgrade when volume picks up.
Starter
Free to start validating ideas.
Fees
5.00% + 50¢ per transaction
Features
- All features to sell
- Standard support
Pro
For builders & early teams.
Fees
3.80% + 40¢ per transaction
Features
- All features on Starter
- Preview access to new features
- Prioritized support
Growth
For scaling startups.
Fees
3.60% + 35¢ per transaction
Features
- All features on Pro
- Preview access to new features
- Prioritized support
Scale
For fast growing businesses.
Fees
3.20% + 25¢ per transaction
Features
- All features on Growth
- Dedicated account manager
- Custom SLAs
Subscription payment questions, answered
How does recurring billing work without a card on file?
On an active-renewal model. Your backend or the API creates a payment request per cycle, the customer pays it from any wallet, and the signed webhook extends their access. You define the grace window before access expires.
Doesn't asking customers to confirm each cycle hurt retention?
It trades a few points of passive renewal for zero disputes and zero involuntary churn. For high-risk categories, where silent rebills are also the top dispute source and a compliance target, most operators net positive. Annual billing narrows the gap further.
What replaces dunning and retry logic?
A reminder sequence: notify before renewal, send the payment request, remind once or twice, apply a grace period, then expire. It's simpler than decline-code branching and recovers comparably, because failures are attention problems rather than card problems.
Can I offer free trials?
Yes: grant trial access, then send the first payment request at conversion. Since there's no stored card, there's no trial-to-paid surprise charge, which is exactly the pattern negative-option enforcement targets.
What happens to subscribers if my card processor drops me?
Card subscribers need re-collecting, which is why that failure is so expensive. Flint subscribers are unaffected: renewals continue because no acquiring bank sits in the flow.
What does Flint charge on renewals?
The same per-transaction pricing as any sale: from 5.00% + 50¢ free down to 3.20% + 25¢ on Scale, plus the flat plan fee. No per-seat, no card-updater, no dispute line item.