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Get Started FreeHigh-Risk Industries · Shopping Membership Clubs
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.
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What shopping club underwriters ask for
By the numbers
10,000+
Merchants approved across high-risk industries.
86%
Approval rate for the high-risk merchants who apply.
24hr
Average approval time once underwriting has your documents.
$2B+
Processed annually through PayKings merchant accounts.
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Getting set up
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.
MCC 7278
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.
What we underwrite
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.
Recurring billing
Most online shopping clubs run on the same model: a one-time sign-up fee, recurring monthly or annual dues, and member-only pricing on the products behind the paywall.
That model is what makes a shopping club membership attractive to consumers — and it creates specific processing requirements for merchants:
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, then:
What's included
Protect renewals
The difference
Built for the businesses other processors turn away.
FAQ
Everything you need to know about payment processing for buying/shopping services and clubs
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