Nutraceuticals Merchant Account Solutions
The supplement industry's high chargeback rates and continuity billing models make payment processing challenging. HighRiskPro specializes in nutraceutical merchant accounts with proven chargeback management.
Why Supplement Companies Struggle with Payments
High Chargeback Rates
Nutraceuticals average 2-4% chargeback rates due to subscription cancellations, product efficacy disputes, and "friendly fraud" from forgetful customers who don't recognize recurring charges.
Continuity Billing Complexity
Trial offers, autoship programs, and subscription models trigger higher scrutiny. Card networks closely monitor "negative option" billing, and many processors refuse these models entirely.
FDA/FTC Compliance
Health claims, ingredient labeling, and advertising regulations create compliance risks. Banks worry about products making unsubstantiated medical claims or facing regulatory action.
Refund & Return Issues
Consumable products often can't be resold after return. High refund rates from dissatisfied customers or those claiming products "didn't work" increase processor liability.
Nutraceutical Payment Processing That Protects Your Business
Chargeback Prevention Suite
Our nutra-specific chargeback tools reduce disputes by 45% on average. Real-time alerts let you refund before chargebacks hit.
- Ethoca & Verifi alerts included
- Pre-chargeback resolution
- Descriptor optimization
- Customer outreach automation
Subscription & Continuity Billing
Full support for trial offers, autoship, and subscription programs. Compliant billing flows that satisfy card network requirements.
- Free trial management
- Recurring billing engine
- Dunning & retry logic
- Easy cancellation flows
Compliance Support
Guidance on FDA/FTC compliant claims, website requirements, and billing disclosures. Stay compliant and keep processing.
- Website compliance review
- Claim guidance
- Terms & disclosure templates
- Risk monitoring
Load Balancing & MID Management
High-volume nutra merchants need multiple MIDs to manage chargeback ratios. We set up load balancing across multiple accounts.
- Multiple MID setup
- Intelligent transaction routing
- Ratio monitoring
- Backup account strategies
Nutraceutical Products We Process
Vitamins & Minerals
Multivitamins, vitamin D, calcium, etc.
Sports Nutrition
Protein, pre-workout, BCAAs, creatine
Weight Loss
Fat burners, appetite suppressants, meal replacements
Nootropics
Cognitive enhancers, focus supplements
Heart Health
Omega-3, CoQ10, blood pressure support
Joint & Bone
Glucosamine, collagen, bone support
Beauty & Anti-Aging
Collagen, biotin, skin supplements
Sleep & Relaxation
Melatonin, magnesium, sleep aids
Nutraceuticals Merchant Account Pricing
Startup Nutra
New businesses, no continuity
- No monthly minimum
- Gateway included
- Chargeback alerts
- Rolling reserve: 10%
Growth Nutra
Subscription & continuity billing
- Recurring billing engine
- Ethoca/Verifi alerts
- Chargeback management
- Dedicated account manager
Enterprise Nutra
High volume, multiple MIDs
- Multiple MIDs
- Load balancing
- Custom integration
- Priority support
Nutraceuticals Merchant Account Questions
Yes! We fully support free trial offers, trial-to-paid conversions, autoship programs, and subscription billing. We'll help ensure your billing flows are compliant with Visa/Mastercard requirements for negative option billing, including proper disclosures and easy cancellation options.
We work with merchants up to 2% chargeback ratios, though we recommend staying below 1.5%. Our chargeback prevention tools typically reduce disputes by 45%. Merchants consistently above 2% may need a mitigation plan, and we provide guidance to get ratios under control.
High-volume nutra merchants ($100K+/month) often benefit from multiple MIDs to spread chargeback ratios. We set up load balancing across 2-4 accounts, intelligently routing transactions to keep each account within healthy limits. This also provides backup if one account has issues.
We cannot process: products making drug claims, controlled substances, anabolic steroids, products containing banned ingredients (ephedra, DMAA), and supplements not compliant with DSHEA. Products should be manufactured in GMP-certified facilities.
Ready to Process Payments for Your Supplement Business?
Join 1,800+ nutraceutical merchants with HighRiskPro.