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Free trial
DeposytFree Trial
Payments for free-trial offers, approved.
The free-trial model is brilliant for conversion and brutal for chargebacks. Most banks know that and decline the category outright. We underwrite it, and then we help you build the offer so it survives.
The hard part is already handled.
350+ Five Star Reviews on Google
✓Trial-to-paid allowed
✓Chargeback defense
✓Compliant terms
✓Next-day funding
Why trial offers get declined
Why trial offers get declined.
Nothing converts like a trial, and nothing generates disputes like one.
Category
Negative option
Trial-to-paid billing is a flagged model before you start.
Chargebacks
Forgot to cancel
The most common dispute in payments comes from this offer.
Regulators
Watched closely
Trial terms attract regulatory attention, not just card-brand rules.
Descriptors
Unrecognised charges
They remember a free trial, not your billing name.
Volume
Fast scale
Trials scale hard, and ratios move faster than limits.
Margins
Fees on every rebill
Processing cost lands on every continuity charge.
Offers we underwrite
The offers we underwrite.
If it converts on a trial and bills on continuity, we support it.
Nutra
Supplement trials
Sample-to-subscription supplement offers.
BeautyBeauty and skincare
Trial sizes that convert to replenishment.
DigitalDigital subscriptions
Apps and content with a free first period.
SaaSSoftware trials
Card-on-file trials that convert to a plan.
MembershipsTrial memberships
A first month at a reduced rate.
BoxesSample boxes
A discounted first box on a recurring plan.
CoachingProgram trials
A trial week into a paid container.
StreamingMedia trials
Free viewing that converts to a subscription.
DevicesTry before you buy
Hardware trials with a conversion charge.
Do not see your offer here? If it converts on a trial, we will look at it. Call us.
What to watch for
What trial offers have to get right.
The offer design decides whether the account survives. These are the details that matter.
Disclosure
Clear terms
Price, date, and cadence stated where they cannot be missed.
Consent
Explicit opt-in
A checkbox, a record, and a timestamp for every enrolment.
Reminders
Before the charge
A reminder before the first rebill prevents most disputes.
Cancellation
Easy to leave
A hard cancel path becomes a chargeback instead.
Descriptors
Recognisable billing
The statement line has to name the offer they signed up for.
Ratios
Watch the threshold
A trial offer can cross the ratio in a single good week.
How we help
How we keep trial offers processing.
Underwriting that expects the model, and help building it so it holds.
Underwriting
Approved as continuity
Trial-to-paid billing written into the policy, not hidden.
Compliance
Offer review
We read your funnel and flag what will cost you the account.
Defense
Chargeback protection
Alerts, evidence, and representment worked with you.
Recovery
Save the conversion
Retries and an account updater on the first rebill.
Keep more
Dual pricing
Card and cash pricing so processing cost is covered.
Real support
People who answer
A team that knows this model and will tell you the truth.
Getting started
What you need to get approved.
Trial offers get underwritten on the funnel as much as the financials.
The basics
Business and ID
Formation documents, EIN, and owner identification.
The offer
Your funnel
The live pages, trial terms, and conversion cadence.
History
Processing statements
Statements including the chargeback history.
Compliance
Terms and cancellation
Your terms of service and how customers cancel.
Send us the funnel first. We will tell you what needs changing before you apply.
What you get
Everything a continuity offer needs to survive.
Approval is one piece. Recovery, redundancy, and defense are what keep it running.
Dunning
Revenue Recovery
Automatic retries and an account updater on every failed rebill.
Load balancingLoad Balancing
Split volume across accounts so one freeze does not stop sales.
RecurringRecurring Billing
Card-on-file billing built for continuity offers.
High riskHigh-Risk Approved
Honest underwriting for the categories others decline.
Dual pricingOffset Your Fees
Card and cash pricing so processing cost is covered.
FundingNext-Day Funding
Your sales today, in your account as soon as the next business day.
Zero-fee option
Offset your fees on every rebill.
Dual pricing shows a card price and a cash price, calculated by our software, so processing cost is covered on every continuity charge.
See Dual PricingQuestions, answered
Questions, answered simply.
The things business owners actually ask. If yours is not here, a real person is a phone call away.
Do you allow free-trial offers?
Yes. Trial-to-paid and continuity billing are underwritten as their own category, with terms stated before you apply.
Will you review my funnel?
Yes, and you should want us to. Offer design is what decides whether the account survives.
How do you reduce trial disputes?
Clear disclosure, recorded consent, a reminder before the first charge, an easy cancel path, and a recognisable descriptor.
What happens if my ratio climbs?
We monitor it with you and act early, with alerts and load balancing, rather than closing the account.
Can I recover failed first rebills?
Yes. Retries and an account updater recover the conversions that would otherwise be lost.
How fast do I get funded?
Approved charges can be funded as soon as the next business day.
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