Supplement and nutraceutical merchant accounts

Banks decline supplements for two reasons: claims and rebills. Get both right and the category underwrites cleanly.

Why banks decline supplements and nutraceuticals

• Marketing claims are what regulators act on, and a bank that finds one on your site assumes there are more.
• Free-trial and continuity models produce chargebacks when the terms were not clear at checkout.
• Ingredient rules change, and some ingredients are restricted in some markets.
• Refund disputes on consumables are hard to win without a clear policy.

What we need from you

Underwriting reads the site before it reads the application. Have these ready and a complete application goes live in 24 hours.

• Product copy reviewed for claims; ingredients, amounts and directions for use, not outcomes
• Subscription terms shown at checkout, with the rebill amount and date, and a cancellation path that works
• Labels and supplement facts for each product
• A refund policy that says what happens to opened products
• A billing descriptor that matches your brand
• Formation documents and an EIN or your country's equivalent
• Owner identification (a passport is fine; no SSN needed for non-US owners)
• A voided check or bank letter for the settlement account
• Processing and chargeback history from your current processor, if you have one
• Published refund, shipping and privacy policies, and terms that match how you actually bill

What you get

• Continuity billing that follows the network rules for trials and rebills, with reminders and retries built in.
• A vault under your name, so your subscriber base is yours, not the processor's.
• Routing across more than one merchant account where volume justifies it.
• Settlement in two business days.

What we cannot support

Saying it here saves you an application.

• Undisclosed continuity or trial-to-rebill flows without clear terms at checkout
• Sites with disease or outcome claims
• Ingredients that are restricted in the market you sell into
• Products the card networks prohibit

Questions supplements and nutraceuticals merchants ask

Are free trials allowed?

Yes, when the rebill amount and date are shown before the customer pays, a reminder goes out before the first rebill, and cancellation is as easy as signing up.

What counts as a claim?

Anything that says what the product does for a person. Ingredients and amounts are fine. Outcomes are not.

Will there be a reserve?

It depends on your history and your model. Continuity models with no history usually carry one at the start; it is stated in the offer.

Can I move my existing subscribers over?

Yes. Tokens are imported into your vault and rebills continue from the next scheduled date.