A Free Trial merchant account from a bank that knows your category

Roots Payments places free-trial and negative-option marketers with acquiring banks and processors that knowingly underwrite trial-to-paid subscription offers, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
Talk to a subscription brand payments specialistAll free-trial & negative-option offers solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for free-trial & negative-option offers

How each solution supports free-trial & negative-option offers

See what each option adds to the way your business takes and tracks payments.

High-Risk Merchant Account

For free-trial & negative-option offers: Present your model for subscription orders and recurring product purchases to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places free-trial and negative-option marketers with acquiring banks and processors that knowingly underwrite trial-to-paid subscription offers, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
  • Pre-underwriting review of your website, checkout, and documents (checkout screenshots, terms, affiliate policy, and cancellation evidence)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign

E-commerce Payments

For free-trial & negative-option offers: Add online checkout for subscription orders and recurring product purchases, with order references carried through payment and fulfillment. Roots connects your store to a gateway and acquirer that approve your category, with fraud screening and 3-D Secure configured for card-not-present risk.
  • Check that your cart platform's own acceptable-use policy allows your products
  • Gateway setup, fraud-rule tuning, and test transactions before launch
  • Checkout disclosure review (refunds, shipping, age or eligibility limits)
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Chargeback Management

For free-trial & negative-option offers: Organize evidence for disputed subscription orders and recurring product purchases, including customer authorizations, delivery details and service records. Roots coordinates chargeback-management services to help your business handle disputes and organize responses.
  • Discuss your business goals on a free consultation
  • Coordinate your provider introduction and setup
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Recurring Billing

For free-trial & negative-option offers: Schedule and manage payments for subscription renewals and recurring replenishment, including renewals and customer account balances. Recurring charges are a leading dispute source for free-trial and negative-option marketers when customers forget or can't cancel. Roots sets up billing with express consent capture, renewal reminders, simple online cancellation, and account-updater services, in line with ROSCA and state automatic-renewal laws.
  • Review of offer terms and checkout disclosures against ROSCA and state automatic-renewal laws
  • Billing platform setup and gateway integration
  • Descriptor and receipt design that customers recognize
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High-Risk Merchant Account questions

Questions subscription brand merchants ask about approval.
We review the business model, products, website and processing history, then initiate the application with a suitable processing partner.
Bring ownership details, licenses, recent processing statements and clear fulfillment and refund policies. We organize the application around your specific business.
Bring your products, licenses, processing statements and fulfillment policies. Roots uses these details to plan the workflow for free-trial & negative-option offers and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

Ready to talk it through?

Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a subscription brand payments specialistAll free-trial & negative-option offers solutions