That may be true for their specific program. Companies have to make business decisions on how much they are willing to invest to support the goals of their clients. Many processors – like Clearent, Heartland, Chase Merchant Services, Square, and Toast – have made the decision not to make this program available to merchants like you. This does not support or dissuade the position that these programs are viable or necessary. It’s just a decision that specific company has made regarding what they are willing to offer their customers. Federal Law, state law, and supreme court decisions support that this type of program, if executed properly, is fully legal and compliant with card brand guidelines.
