Health & wellness
Skin & Hair Care 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.
Skin and hair care sold direct-to-consumer runs on transformation claims and trial offers, which historically produced some of the highest chargeback ratios in card-not-present commerce. Banks have long memories about the category. Your dispute ratio and your funnel copy are the two things that decide the outcome.
Recommended setup
- Gateway
- High-risk gateway with subscription engine, vault, updater and alerts
- Settlement rail
- Card-not-present primary, ACH secondary
- Reserve expectation
- Rolling reserve typical on new files
- Equipment
- Cart plugin or hosted checkout
What we actually do
How we get this file boarded and keep it boarded.
Specific to your category — not a generic high-risk brochure.
Trial and continuity terms reviewed against negative-option rules before submission
Descriptor, receipt and pre-renewal notice set up so customers recognize the charge
Dispute-ratio monitoring with alerts, and multi-MID routing when volume justifies it
Return policy and shipment tracking documented as the backbone of representments
The process
Four steps, no mystery.
For skin & hair care, 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 skin & hair care 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
Skin & hair care questions
7–10 business days
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