Have your landing pages reviewed
Underwriters read the actual funnel, not the catalogue. Claims, disclaimers and pricing presentation on live pages decide approval.
Find Payment Providers for Your Supplement Business
Supplement acceptance turns on marketing claims and billing model. A straightforward one-off retail catalogue is a very different case from a free-trial-to-continuity offer.
Payment challenges in Nutraceuticals
- Health and outcome claims are reviewed by acquirers because they carry regulatory and dispute risk in each market you sell to.
- Trial and continuity billing produces elevated chargebacks and is prohibited by many providers outright.
- Refund ratios matter as much as chargebacks when a money-back guarantee is part of the offer.
- Ingredient and market restrictions differ by country, so an approved catalogue in one market can be declined in another.
What to consider when choosing a PSP or acquirer
Be explicit about continuity
If you bill recurring after a trial, show the terms at checkout and in the confirmation email. Hidden continuity is the single biggest cause of account termination here.
Track refunds as a KPI
Report your refund ratio proactively. A high but well-explained refund rate is easier to underwrite than one discovered later.
Segment by market
Match providers to the specific countries you ship to, since ingredient rules and consumer protection vary.
Follow the card scheme trial rules
Since April 2020 Visa has required trial offers to get express consent to the subscription, send a reminder at least seven days before the first full charge, offer easy online cancellation and show the trial in the billing descriptor. Since 2019 Mastercard has required merchants offering free trials of physical products to register under MCC 5968, start the trial when the customer receives the product, and send the price, billing date and cancellation instructions before charging.
What providers assess in your application
- Product claims
- What your marketing states, and the regulatory framing in each market.
- Billing model
- One-off, subscription, trial-to-continuity or bundled offers.
- Refund policy
- Guarantee terms and your actual refund ratio.
- Dispute metrics
- Chargeback ratio and any monitoring programme history.
- Fulfilment
- Shipping times and delivery lag, which affect dispute exposure.
- Markets
- Destination countries and the ingredients permitted in each.
Provider suitability differs from business to business: two companies in the same industry can receive opposite answers because of licence, market mix, ticket size or dispute history. We do not state that a provider accepts an industry unless that provider has confirmed it, and no one can guarantee approval.
Check which routes may fit your business
Provider fit in Nutraceuticals depends on more than the industry itself: licence, markets, volume and dispute history all change the answer. Answer four questions to start checking your own situation.
Four questions about your business
Industry, company country, customer markets and estimated monthly volume, that is all we need to begin.
Common questions about Nutraceuticals payments
Are supplements a high-risk category?
Not in themselves. Visa's integrity risk program does not list supplements as a category, but it does place subscription negative-option merchants (MCC 5968) in Tier 3. In practice, what makes a supplement business high risk is the billing model, especially free trials that convert to subscriptions, and the claims made in its marketing.
What claims rules do acquirers check?
In the EU, health claims on food and supplements are prohibited unless they are authorised and on the EU list of permitted claims. In the US, the FTC expects health claims to be backed by competent and reliable scientific evidence. Underwriters read your live landing pages with those rules in mind.
Does the FTC click-to-cancel rule apply?
No. The FTC's amended negative option rule was vacated by a US federal appeals court on 8 July 2025, before it took effect, and the FTC has since reopened rulemaking. The Restore Online Shoppers' Confidence Act and state auto-renewal laws still apply, so consent, clear terms and easy cancellation remain required.
How does Ecompayer help supplement brands?
You add your products, markets, billing model, refund and chargeback figures once in our online application. We match you with a payment provider that accepts your offer type, and your account is prepared so you can start processing.
Other industries
iGaming
iGaming acceptance is decided almost entirely by licensing and player geography. A provider that boards a Curaçao-licensed casino is rarely the same one that boards a UKGC-licensed brand, so the first step is matching your licence and markets to an acquirer's gambling programme.
Forex & CFD
Trading platforms are underwritten on regulatory status and client geography. A regulated brokerage in a recognised jurisdiction has a materially different provider pool than an offshore entity taking retail clients worldwide.
Crypto
Crypto acceptance depends on what the customer receives. On-ramps selling digital assets, custodial exchanges and crypto-adjacent SaaS are underwritten as three different risk profiles.
Find payment providers for your Nutraceuticals business
Add your business essentials once. Your profile is compared against provider criteria, and nothing is sent until you submit your onboarding pack.
Check my payment optionsNothing is shared with a provider until you submit your onboarding pack. Approval is always the provider's decision.