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Getting Paid on Trial MIDs (3)

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I've been going through round and round with banks regarding the new Trial Continuity rules that Mastercard has handed out back in Oct and go into official policy April 19th. In essence, any merchant selling any tangible product on a trial basis to later charge full price and/or monthly subscription payments, now has to go through the following steps

• High Risk Register with the acquiring bank (subject to decline from previously registered banks)
• Run on the banks sponsored CRM and Gateway (with full admin access by the bank)
• Notify the consumer of all transaction/decline/rebill/cancelation actions
• Obtain opt-in explicit consent from the consumer, with full notification to the rebill, after the trial period ends and before the full price transaction can be charged

The last rule is a conversion killer. We argued that the explicit consent is captured at checkout and Mastercard replied with "we don't care, you have to do it our way".

What's the work around? We've come up with a model to move to an installment plan. Where the consumer purchases at checkout, pays when the product is delivered, then is billed each month for the the amount of installments selected. Our banks have fully greenlit the program with us.

Would like to know advertisers thoughts and strategies

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Doubt anyone will post this in public here, but there are multiple ways to circumvent that. Let's get creative (notify them from a 'blacklisted/spam' email etc)

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But if you notify from a spam email, it could work to notify but then there is no way to get the opt-in.

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