Credit Card Processing for Nutraceutical & Supplement Businesses
The nutraceutical and dietary supplement industry is booming, but it’s also one of the most misunderstood and underserved when it comes to payment processing. From high chargeback ratios and subscription billing models to increased regulatory scrutiny, many traditional processors either turn you away or bind you with restrictive terms that hold back your growth.
At Revere Payments, we’ve specialized in high-risk verticals like nutraceuticals since 2007, giving supplement brands the payment tools they need to scale without fear of account freezes, sudden holds, or unwelcome shutdown.
Why the Supplements and Nutraceutical Industries are considered “High Risk”
Not all merchant accounts are created equal, especially in the nutraceutical space. Many mainstream processors label supplement and wellness brands as high risk for several reasons:
Elevated chargeback exposure: Supplements often promise benefits that may vary by individual, leading to disputes or dissatisfaction-based refunds.
Subscription and continuity billing complexity: Recurring orders and trial offers drive revenue but can also confuse customers, leading to disputes when billing isn’t clearly communicated.
Regulatory scrutiny and compliance pressure: The FDA, FTC, and card networks watch the claims and marketing in this space very closely, increasing underwriting friction.
Fraud targets: Online supplement merchants see higher fraud risk due to e-commerce volume and digital card-not-present patterns.
This combination often causes banks and processors to hesitate, leaving many nutraceutical sellers with limited options or processors that don’t truly understand their business model.
Key Factors to Consider
When evaluating potential nutraceutical and supplement merchant processors, there are several critical factors that can directly impact your approval, stability, and long-term growth.
Regulatory Compliance
Regulatory compliance is one of the biggest challenges facing nutraceutical and supplement businesses. Payment processors must understand the strict oversight from the FDA, FTC, card networks, and banking partners — especially around marketing claims and product positioning.
Choose a processor that understands how supplement claims affect underwriting and provides guidance to help you stay compliant with federal, state, and card-brand requirements. The right partner helps reduce the risk of account shutdowns, fines, or sudden processing interruptions.
High-Risk Processing Experience
Nutraceuticals are commonly classified as high-risk due to elevated chargeback exposure, subscription billing models, and increased scrutiny from banks and card networks.
A processor with proven high-risk experience is essential. Look for a provider with a strong track record of supporting supplement brands, managing underwriting expectations, and maintaining account stability even as your volume grows.
Competitive Rates and Fees
Cost always matters, but for nutraceutical merchants, sustainable pricing matters more than the lowest advertised rate.
Be wary of processors that offer unrealistically low rates only to introduce rolling reserves, sudden fee increases, or unexpected account restrictions later. Transparent pricing, clear fee structures, and honest expectations help ensure your processing relationship supports growth instead of creating surprises.
Security Measures
Security is paramount when handling payments. Choose a processor that offers advanced security measures to protect sensitive customer data. Features like encryption, tokenization, and fraud detection tools are essential to safeguarding your transactions.
Customer Support
Reliable customer support is crucial for resolving any issues that may arise. Look for a processor that offers 24/7 support and multiple contact options, such as phone, email, and chat. Prompt and effective customer service can save you time and hassle in the long run.
Additional Features to Look For:
In addition to the essential factors, there are additional features that can enhance your payment processing experience:
Integration with Point of Sale Systems
Seamless integration with your existing point of sale (POS) system can streamline transactions and improve efficiency. A processor that supports various POS systems will make it easier to manage sales and inventory.
Mobile Payment Options
With the increasing use of smartphones, offering mobile payment options can enhance customer convenience. Look for a processor that supports mobile payments and digital wallets to cater to tech-savvy customers.
Reporting and Analytics
Access to detailed reporting and analytics can provide valuable insights into your business performance. A processor that offers comprehensive reporting tools can help you track sales, monitor trends, and make informed business decisions.
Scalability
As your business grows, your payment processing needs may change. Choose a processor that can scale with your business and offer solutions that accommodate increased transaction volumes and additional services.
The Revere Payments Advantage
At Revere Payments, we specialize in helping nutraceutical and supplement businesses succeed in a payments landscape that’s often stacked against them. From regulatory scrutiny and underwriting challenges to chargebacks and subscription billing complexity, we understand the realities that wellness brands face every day.
Our payment solutions are built specifically for high-risk industries, combining secure technology, compliance-focused underwriting, and hands-on support so your business can process confidently, without sudden interruptions or unnecessary restrictions.
Since 2007, Revere Payments and MGI have supported small, mid-market, and high-risk businesses with tailored merchant account solutions designed for stability and long-term growth. We don’t offer one-size-fits-all processing: we build payment strategies that align with your products, billing model, and growth goals.
Partner with Revere Payments for transparent pricing, proactive risk management, and a team that understands the nutraceutical space, so you can focus on what matters most: scaling your brand and serving your customers.
Making the Right Choice
Choosing a nutraceutical and supplement merchant processor like Revere Payments is a critical decision that directly affects your ability to scale, remain compliant, and protect your revenue. By evaluating the factors outlined above, you can confidently select a payment partner that understands your business model and supports long-term stability. Prioritize regulatory awareness, proven high-risk processing experience, transparent pricing, and responsive, industry-savvy support.
In summary, a specialized nutraceutical merchant processor delivers the tailored solutions, compliance insight, and risk management tools necessary to succeed in a highly scrutinized industry. Revere Payments helps ensure uninterrupted payment processing, reduces chargeback exposure, and allows you to focus on growing your brand with confidence.