Regulated products
Nutraceuticals & Supplements 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.
Supplements are sold on a claim, and claims produce disputes — banks see refund and chargeback rates two to four times a normal retailer's. Free-trial and auto-ship models make it worse because the cardholder often forgets the recurring charge. Underwriting is not judging your product; it is pricing the probability that your customers dispute it.
Recommended setup
- Gateway
- High-risk gateway with recurring billing, vault and dispute alerts
- Settlement rail
- Card-not-present primary, ACH for subscription renewals
- Reserve expectation
- Rolling reserve typical on new files, reduced as dispute ratio proves out
- Equipment
- Hosted checkout, cart plugin, or direct API
What we actually do
How we get this file boarded and keep it boarded.
Specific to your category — not a generic high-risk brochure.
Clear-billing setup: recognizable descriptor, order confirmation email, and a cancellation path a customer can actually find
Chargeback alerts so a dispute can be refunded before it becomes a formal chargeback against your ratio
Load balancing across more than one merchant ID when volume or product lines justify it
Honest review of trial and continuity terms against card-brand negative-option rules before you submit
The process
Four steps, no mystery.
For nutraceuticals & supplements, the honest window is: 5–10 business days; faster when you have six months of processing history to show.
- 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 nutraceuticals & supplements 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
Nutraceuticals & supplements questions
5–10 business days; faster when you have six months of processing history to show
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