Health & wellness
Male Enhancement merchant accounts, placed with banks that write the category.
Needs a bank that writes the category on purpose. Roughly 5–10 business days, a dedicated gateway, and usually a reserve.
The underwriting objection
Why banks flinch at this category.
This category carries two independent problems: health claims that must stay inside FDA and FTC limits, and a product customers do not want identified on a statement. Friendly fraud is high for exactly that reason, and continuity billing makes it higher. Legitimate sellers with clean labels can be placed; the file has to be built carefully.
Recommended setup
- Gateway
- High-risk gateway with subscription engine, vault and alerts
- Settlement rail
- Card-not-present primary, ACH secondary
- Reserve expectation
- Rolling reserve expected
- Equipment
- Hosted checkout or cart plugin
What we actually do
How we get this file boarded and keep it boarded.
Specific to your category — not a generic high-risk brochure.
Ingredient, label and claim review so nothing on the page reads as a drug claim
Discreet but recognizable descriptor plus a live support number to cut friendly fraud
Compliant continuity terms with real cancellation, or single-purchase billing where cleaner
Chargeback alerts and representment templates built on shipment tracking
The process
Four steps, no mystery.
For male enhancement, the honest window is: 7–10 business days.
- 1
Call or send the form
Fifteen minutes. We confirm the category is one we can place and tell you which documents matter for your file specifically.
- 2
Document package
You gather statements, IDs and any category paperwork. This is the step that decides your timeline — a complete package moves fast.
- 3
Multi-bank submission
We submit to the banks that write your category, in the order most likely to approve on the best terms. Declines get diagnosed, not repeated.
- 4
Board and monitor
Gateway configured, equipment shipped or checkout integrated, chargeback alerts on. Then we watch your ratio and go back for better terms once history proves out.
Accounts placed through our processor and banking network
Free statement analysis
Get a male enhancement account underwritten properly.
One application, submitted to the banks that write your category. If your current account is frozen or at risk, tell us on the form and we will work speed first.
Terrab Solutions is a registered agent/ISO partner. Rates and approval subject to underwriting. Estimates are not a binding quote.
Straight answers
Male enhancement questions
7–10 business days
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