Nutraceutical merchant accounts built for rebills
Supplements are lawful consumer products sold by thousands of ordinary retailers. What makes nutraceutical accounts high-risk is almost never the pill — it is continuity billing, free-trial offers and the dispute rate they generate. Underwriting is reading your rebill terms, not your ingredient list.
- Approval rate
- 90%+
- Underwriting decisions
- Same day
- Countries supported
- 170+
Approval rate
Underwriting decisions
Countries supported
How this goes
- 1ApplyOne form. No credit pull, no fee, nothing owed if we cannot place you.
- 2Underwriting reads the fileA same-day decision from people who already know this category.
- 3Integrate and go liveYour existing checkout and cart. Settlement starts on schedule.
Missing a document? Apply anyway. We will tell you what is outstanding rather than decline the file over it.
What you get
- 90%+ approval for hard-to-place businesses
- Visa, Mastercard, Amex, Apple Pay and Google Pay
- USD payouts to your U.S. bank
- Same-day integration
- No contract, one flat rate
- Same-day underwriting decisions
Based outside the United States? Canadian and international merchants settle in their own banking system. Tell us where your entity is and we will match the acquirer to it.
In nutraceuticals the product is rarely the risk. The billing model is. A one-time supplement sale underwrites like ordinary retail; the same product on an auto-rebill does not.
Why nutra accounts hit trouble
- A free-trial-to-rebill offer where the recurring charge is disclosed less prominently than the trial, which is what drives the disputes that close accounts.
- The billing descriptor does not match the brand the customer bought from, so renewals get disputed as unrecognised.
- Chargeback ratio crosses a monitoring-program threshold and the acquirer acts on the program, not on your explanation.
- Marketing copy claims a specific health outcome, which under the FD&C Act reads as an unapproved drug claim.
- Cancellation requires an email or a phone call, so customers dispute instead of cancelling and every dispute counts against you.
What to have ready
- Rebill terms disclosed clearly at the point of sale, including amount and frequency
- A self-service cancellation path that does not require contacting support
- A billing descriptor that matches the brand the customer purchased from
- Current chargeback ratio and the remediation already in place
- Three months of processing statements, formation documents, EIN letter and owner ID
Missing something? Apply anyway. Underwriting will tell you exactly what is outstanding rather than declining you for an incomplete file.
Estimate your approval odds
Three quick answers. No credit pull, no commitment.
Nutraceutical Merchant Account questions, answered
Why are supplements treated as high-risk?
Because of the billing model and the dispute rate that follows it, not the product. A supplement sold once, shipped and never rebilled underwrites much like ordinary e-commerce. The same product on a free trial that converts to a monthly charge generates disputes at a multiple of that, and disputes are what acquirers price.
Can I run a free trial or auto-rebill?
Yes, if the terms are disclosed properly and cancellation is genuinely easy. The offers that fail underwriting are the ones where the recurring charge is less prominent than the word free. Making the rebill obvious costs a little conversion and protects the account, and the account is worth more.
How subscription billing is assessedWhat chargeback ratio will get my account closed?
There is no single number, because you have two ratios computed differently. Visa and Mastercard run separate monitoring programs with different denominators — one counts events against settled card-not-present transactions, the other counts chargebacks against the prior month's transaction count. A shrinking month can raise your Mastercard ratio on its own without a single extra dispute.
How chargeback ratios are calculatedWhat does it cost?
One flat rate with no contract and no long-term lock-in. Pricing depends on your processing history, average ticket and dispute record, so the rate is quoted after underwriting reads your file rather than promised up front. Any provider quoting a headline rate before seeing a statement is quoting a number they can revise later.
Will I need a reserve?
Sometimes. A rolling reserve holds a percentage of settled volume for a set window, then releases it on a rolling basis. It is set by the acquirer against your dispute exposure, not by us, and it is negotiable at renewal once you have clean months on the book. Ask for the percentage AND the hold window — a reserve reaches a predictable steady state you can calculate before you sign.
What a rolling reserve isI have been declined elsewhere. Does that disqualify me?
No. Most merchants who come to us have already been declined by an aggregator or dropped without explanation. A prior decline is a data point, not a verdict, and aggregators decline whole categories on principle rather than on the merits of your file.
What if I am on MATCH?
Tell us before you apply. MATCH is a card-network list of merchants terminated by a previous acquirer, and it is visible to every underwriter who pulls your file. Disclosing it costs you nothing; concealing it ends the application when it surfaces, which it will. Some MATCH reason codes are workable and some are not, and we will tell you honestly which one you are.
What the MATCH list isKeep reading
Find out if you are approved
No application fee, no contract, and a same-day underwriting decision.