Specialized payment processing solutions tailored for ecommerce brands in regulated, subscription-heavy, or high-risk categories such as supplements, skincare, and haircare.
Mountainy partners with Paymant to strengthen payment infrastructure for Shopify subscription brands.
Paymant is an authority in high-risk payment processing and chargeback protection, specializing in ecommerce brands operating in regulated or subscription-heavy categories. This partnership allows Mountainy to better support clients by ensuring their payment infrastructure is designed to scale reliably in higher-risk ecommerce environments.
Key Features of Paymant
High-Risk Merchant Processing:
Chargeback Protection & Strategy:
Comprehensive dispute management and chargeback mitigation planning to protect brands from rising fraud levels and card network scrutiny under programs like Visa's VAMP framework.
Fraud Mitigation Planning:
Detailed analysis of traffic sources, marketing channels, and fraud exposure to build a proactive fraud prevention strategy — including TC40 fraud notification monitoring.
Processor Diversification Strategy:
Design a resilient payment stack with proper processor alignment and diversification to prevent unexpected merchant account shutdowns and rolling reserve impacts on cash flow.
Subscription Billing Infrastructure:
Tailored solutions for brands with complex subscription structures and billing cadences, ensuring predictable revenue flow and operational continuity at scale.
Benefits for Shopify Merchants:
- Proactive Risk Management: Evaluate and strengthen your payment infrastructure before issues arise — avoiding unexpected shutdowns, reserve increases, or processor disruptions.
- Improved Chargeback & Fraud Strategy: Gain greater visibility into dispute management and fraud exposure, especially under evolving frameworks like Visa's VAMP, so brands can operate confidently at scale.
- Infrastructure Designed for Growth: As order volume increases, a properly structured payment stack becomes more resilient — not more fragile — supporting predictable and sustainable scaling.
- Operational Continuity: Stable payment processing supports stable fulfillment. When payments flow smoothly, inventory planning, forecasting, and shipping operations follow suit.
Why Payment Stability Matters for Subscription Brands
For brands operating in supplements and personal care, payment processing isn't always straightforward. As volume increases, many brands encounter challenges that impact operations, inventory planning, and customer experience:
- Merchant Account Stability: Unexpected account shutdowns can halt order processing entirely, making proactive infrastructure planning essential.
- Rolling Reserves & Cash Flow: Reserve requirements imposed by processors can significantly tighten purchasing power for growing brands.
- Chargeback Rate Management: Rising dispute rates — driven by affiliate traffic, fraud, or unclear billing — can trigger monitoring programs and threaten processing relationships.
- Visa VAMP Framework: Increased scrutiny from card networks under the VAMP framework requires brands to maintain lower fraud and chargeback ratios.
- TC40 Fraud Notifications: Unmanaged TC40 data can push brands toward monitoring thresholds, jeopardizing long-term processor relationships.
- Scaling Beyond $5M: For subscription brands entering higher growth stages, payment resilience becomes a critical piece of operational infrastructure.
Paymant conducts a detailed analysis of each brand's traffic sources, subscription structure, refund policies, historical chargeback data, product category risk profile, and current processor setup — then designs a payment stack built for scale. The goal isn't just approval. The goal is stability.
