Who decides which merchants can use subscriptions?

The operator. It activates the module merchant account by merchant account and sets what its own team, its program managers and its merchants can each configure, from offers to retry policies. Merchants who do not bill on a recurring basis simply keep the module switched off.

The operator, account by account

Subscriptions are activated per merchant account by the operator. A merchant that sells one-off goods never sees the module; a merchant that bills monthly gets offers, subscribers and retry policies in its portal. The operator can also delegate activation to program managers for the merchants they run.

Rights at each level

• Operator: activates the module, sets defaults, decides which settings are editable below.
• Program manager: publishes offer and retry policy templates for its merchants, within the operator's limits.
• Merchant: creates offers, manages subscribers, adapts policies where allowed.

Why granular control

Recurring billing carries specific risks: retry storms that hurt approval rates, offers with terms that breach consumer rules, cancellations handled badly. The operator decides how much freedom each level gets, and can tighten it per merchant. Activation is also commercial: subscriptions can be a paid option, offered to merchants that will use it. Reporting shows recurring volume per merchant, so the operator sees where the module creates value and where it sits unused.