App businesses that bill exclusively through the app stores hand over 15–30% of revenue and lose the customer relationship, the billing data, and any real control over pricing experiments. Web checkout changes that math — but it means becoming a merchant of record, with subscription compliance, fraud exposure, and dispute ratios that are now yours to manage. Centurion sets up app companies with merchant accounts built for that transition.
The billing profile is consistently subscription-heavy, low-ticket, and high-volume, with global buyers and trial funnels — a combination that puts many app businesses into elevated-risk underwriting regardless of how mainstream the app itself is.
App-store commissions are the single largest cost line for many app businesses. Web checkout replaces that with standard processing economics.
Own the pricing tests, the trial mechanics, the dunning, and the win-back offers instead of inheriting store defaults.
Direct billing means direct customer records — essential for retention work, support, and dispute defense.
You now hold fraud liability, chargeback ratios, and subscription-rule compliance. That's what underwriting is evaluating.
First, aggregator termination during growth: an app scales a paid-trial funnel, disputes climb, a risk review lands, and funds are held at the worst possible moment. Second, non-compliant trial mechanics carried over from aggressive marketing playbooks — weekly-billed trials with unclear conversion terms — which breach dispute thresholds fast regardless of who processes them.
Both are avoidable. The first by boarding a dedicated account with realistic volume projections disclosed; the second by building the funnel to card network subscription rules, which still converts and doesn't jeopardize the account.
We underwrite the web-billing model alongside your existing app-store revenue, structure trials and credit packs to network rules, and place the file with acquirers comfortable with app subscription volume. Processing options may be available depending on underwriting, business model, location, processing history, and other factors.
App billing files are subscription-mechanics files:
Documentation requirements vary by processing partner and business model. This list is a general guide, not a universal checklist.
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Speak with Centurion Payment Services about your business model and available processing options. Processing options are subject to underwriting and vary by business model, location, and processing history.