High-risk payment processing
Supplement & Nutraceutical Merchant Accounts
Merchant accounts for vitamins, supplements and wellness products, including subscription and trial offers.
What to expect
Higher scrutiny for free-trial and continuity offers
Supplement sellers are often classed as high-risk because of product claims and subscription billing that can lead to disputes.
Why supplements are high-risk
- Health claims are closely watched by regulators and card networks
- Free-trial and auto-ship offers can produce chargebacks
- Refund rates can be higher than average
What underwriters usually ask for
- Clear billing terms shown before checkout
- Easy cancellation and refund policy
- Product labels and ingredient information
- Chargeback ratio history
How to keep your account healthy
Make recurring charges obvious, send reminders before rebills, and respond to customers quickly to prevent disputes.
Important: Approval, rates and reserves are set by each provider's underwriting team based on your business. PaymentNinja doesn't approve accounts or guarantee approval.
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