Kyle Hall— CEO of PayKingsKyle has built his over 10 year career around high-risk payment processing and SaaS development, developing a deep understanding of the payment solutions business owners need. In addition to equipping high-risk merchants with payment processing tools for success, he has also founded PulseCRM (a CRM built specifically for the needs of the payment industry). Kyle’s focus has always been on creating practical systems and strategies that help businesses scale, not just in theory, but in practice.
Get approved in as little as 24 hours. No setup fees, no hidden costs.
Card networks group buying clubs, discount shopping services, and shopping membership clubs under MCC 7278: Buying/Shopping Services, Clubs — a high-risk category. A high-risk merchant account gives buying/shopping services and clubs the specialized online credit card processing their recurring membership billing depends on.
Buying/shopping services and clubs — from discount buying clubs to online membership shopping programs — face unique challenges in the payment processing world. Because the model runs on recurring, card-not-present billing, many traditional banks and payment processors are hesitant to work with shopping membership club merchants. At PayKings, we specialize in merchant accounts tailored to buying/shopping services and clubs, backed by 20+ banking partners, so you can process sign-ups and membership renewals securely and efficiently.
Card networks assign buying/shopping services and clubs to merchant category code 7278 (MCC 7278: Buying/Shopping Services, Clubs). The category is coded high risk because these businesses bill members on a recurring, card-not-present basis — and forgotten renewals or disputed membership charges can push chargeback rates above what mainstream processors are comfortable with.
MCC 7278 covers buying clubs, discount shopping clubs, online membership shopping programs, and wholesale or member-pricing clubs. If your business charges a sign-up fee or recurring dues in exchange for member-only pricing or purchasing services, acquiring banks will treat you as a shopping membership club merchant — and you'll need a payment processor that underwrites this category.
PayKings underwrites membership payment processing for subscription billing from day one. Bill members by credit card, debit card, or ACH through a
recurring billing merchant account
, keep stored cards current with account updater support, and recover failed renewals with dunning and retry logic — all on a stable, high-risk processing account built to avoid the closures and fund holds membership merchants often hit on mainstream processors.
What underwriters look for when reviewing buying/shopping services and clubs
Start your approval process with a simple online application for your buying/shopping service or club.
Provide business documents, bank statements, and any prior processing history to support your shopping membership club merchant account application.
Clear billing descriptors, renewal reminders, and an easy cancellation policy help underwriters get comfortable with your renewals; depending on your risk profile, a bank may also ask for a reserve.
PayKings averages 24-hour approval times across our merchant portfolio, so you can begin billing sign-ups and membership dues quickly.
Comprehensive payment solutions tailored for your Shopping Membership Club business
Renewal disputes are the biggest processing risk for buying/shopping services and clubs. PayKings pairs your merchant account with chargeback prevention and fraud protection tools built for recurring billing, while best practices on your side — recognizable billing descriptors, renewal reminders, and an easy cancellation process — resolve member issues before they turn into chargebacks, so you can focus on growing your shopping membership club.
Built for the businesses other processors turn away.
Everything you need to know about payment processing for buying/shopping services and clubs
See how PayKings supports adjacent verticals and the payment solutions that pair with them.
