Subscription Payment

🔁 Accept payments automatically – and keep customers longer

With Subscription from ePay you get an easy and flexible way to manage subscription payments. The solution allows you to charge your customers automatically – entirely without them having to enter card details again.

“Imagine if your payments simply ran by themselves – month after month, entirely automatic and without a single invoice.”

Whether you sell products, memberships or service contracts, subscription payment enables you to deduct a fixed amount from the customer’s payment card at regular intervals – monthly, quarterly or annually.

That means less administration for your business and greater convenience for your customers.

Once the customer has signed up via ePay’s payment gateway, the payments run by themselves – without manual effort from either you or the customer.

Why choose subscription payment?

Subscription payment isn’t just a feature – it’s a business model that can change the way you run your company.
With ePay you get a solid foundation to create stable, predictable revenue while building long-term relationships with your customers.

Benefits for your business

• Stable and predictable income – you know exactly when payments fall due.
• Automated administration – fewer manual tasks and lower operational costs.
• Customer retention – easy payments mean fewer cancelled subscriptions.
• Flexibility – adjust payment intervals and amounts as needed.
• High data security – ePay handles card data in compliance with PCI DSS standards.

Benefits for your customers

• Comfort and convenience – one click, and future payments run automatically.
• Flexible subscriptions – set it up so customers can choose between monthly, quarterly or annual payments.
• Smooth experience – no need to repeat card details or authorisations.

From one-time sales to loyal customers

Businesses that shift from one-time sales to subscription payments often experience significantly greater customer loyalty and more stable turnover.

Instead of chasing new customers every month, you can focus on creating value for those you already have.

A subscription model gives you:

• Predictable finances – you know your monthly income.
• A higher customer lifetime value (CLV) per customer.
• The opportunity to offer personalised upgrades and benefits.

Many businesses observe higher customer loyalty when they move to subscription payments because customers appreciate the convenience and stability it offers.

Tokenisation – the invisible security behind modern payment solutions

When handling recurring payments, security is crucial. Here tokenisation plays a central role in ePay’s infrastructure. Tokenisation means that the customer’s card details are not stored directly in your company’s system.

Instead the card data is replaced by a unique token – a digital key that can only be used via the authorised payment gateway.

Even if the token were intercepted, it cannot be used for fraud because it contains no sensitive information and is unique to the individual webshop.

This protects both your business and your customers from data breaches and unauthorised access. The technology complies with PCI DSS certification and is designed to meet both payment legislation and GDPR.

You can read more about tokenisation and secure card storage at our partner cardtokens.io, which specialises in tokenisation solutions for payment systems.

When the customer’s card expires – no interrupted payments

One of the biggest challenges with recurring payments is when customers’ payment cards expire or are replaced. With ePay’s solution this is handled entirely automatically through card updater services and tokenisation.

When a card is renewed, the linked token in the system is updated so that payments continue seamlessly – without the customer having to do anything.

That means:

• Fewer failed payments
• Less customer service work
• Higher customer satisfaction

In short: you don’t lose customers just because they get a new card.

Do subscription payments comply with PSD2 and SCA?

Yes – ePay’s subscription payment fully meets both the EU’s PSD2 directive and Strong Customer Authentication (SCA). That means you and your customers are protected by the latest rules for secure online payment.

What do PSD2 and SCA mean?

PSD2 is an EU law designed to make online payments safer. It requires that all payments where the customer enters card information themselves are authorised with two security steps – typically via MitID or the bank’s app.

This extra authorisation is called SCA (Strong Customer Authentication) and protects both business and customer from fraud and misuse.

How does it work in practice?
When a customer sets up a subscription via ePay, it works like this:

• The first payment is authorised with MitID – just like with a normal online purchase.
• Subsequent payments run automatically because there is already an authorised agreement between the customer and the business.

These recurring payments are called Merchant-Initiated Transactions (MIT) and are therefore exempt from the requirement for repeated two-factor authorisation.

The technical part – in short
Behind the scenes the ePay gateway handles all PSD2 requirements automatically:

• The first payment is logged with full SCA authorisation.
• Subsequent payments are made via tokenisation, where card data is replaced by a unique digital key (token).
• ePay and the acquirer ensure that payments are correctly classified as MIT transactions.

The result is a solution that combines maximum security, regulatory compliance and a friction-free customer experience – all without you needing to worry about the technical side.

What does subscription payment cost for a webshop?

The price for offering subscription payments depends on your company’s needs and how your customers shop. At ePay, you get a flexible solution that grows with your business – without hidden fees or setup costs.

Our platform makes it easy to manage recurring payments, whether you sell products, memberships, or digital services. With a user-friendly setup and full overview of your subscribers, you gain peace of mind and more time to focus on growing your business.

Requirements for your website

To accept subscription payments, your business must have a separate approval from the acquirer.

The approval is free of charge, but your website must meet the following requirements:

• Two separate checkboxes (2x checkbox) to confirm both the subscription terms and the general terms and conditions before payment.
  The subscription terms must clearly describe:
• How and when payments are charged (e.g., every 30 days from the start of the agreement or on the 1st of each month).
• How the customer can cancel the subscription.
• How the company handles and stores the customer’s card details.
• The procedure for updating or renewing the card number.
• How and how often the customer receives or gains access to receipt information, in accordance with the law on certain payment instruments.
  Any binding periods, notice periods, and receipt rules must be clearly stated.