Supplement & Nutraceutical Merchant Accounts
Reliable payment processing solutions designed specifically for supplement and nutraceutical businesses. Get approved with competitive rates, even if you've been declined by traditional processors.
- ✓Specialized processing for supplement businesses
- ✓Support for subscription and auto-ship billing
- ✓High approval rates for nutraceutical merchants
- ✓Multi-channel payment acceptance
Get Started Today
Fill out the form below to receive your supplement merchant account quote
By clicking submit, you agree to our Terms of Service and Privacy Policy
Payment Processing Challenges for Supplement Businesses
Understanding the unique obstacles supplement and nutraceutical merchants face and how Kosipay solves them
High-Risk Classification
Supplement and nutraceutical businesses are often automatically classified as high-risk by traditional banks and payment processors, leading to frequent account rejections. Kosipay specializes in high-risk industries and provides stable, long-term processing solutions specifically for supplement merchants.
Regulatory Scrutiny
The supplement industry faces significant regulatory oversight from the FDA, FTC, and other agencies concerned with product claims and marketing practices. Our payment solutions include compliance tools and ongoing support to help you navigate these regulations while maintaining successful payment processing.
Excessive Fees
Many processors charge supplement businesses exorbitant rates and fees, taking advantage of the limited options available. Kosipay offers transparent, competitive pricing specifically tailored to nutraceutical merchants, with no hidden fees or unexpected charges.
Chargeback Vulnerability
Supplement businesses face higher-than-average chargeback rates due to product efficacy expectations, subscription billing confusions, and regulatory issues. Our advanced chargeback prevention tools and customer verification systems help protect your business from disputes while maintaining merchant account stability.
Banking Restrictions
Many supplement businesses struggle to find banking partners willing to support their operations. Kosipay has established relationships with banks that understand the nutraceutical industry and are committed to serving compliant businesses, providing you with stable, long-term processing solutions.
Subscription Billing Complexity
Many supplement businesses operate on subscription models that require specialized recurring billing solutions. Our payment system includes advanced subscription management tools, customer self-service options, and subscription analytics to optimize your recurring revenue while maintaining compliance.
Supplement Payment Processing Solutions
Comprehensive payment services tailored for the supplement and nutraceutical industry
Supplement-Friendly Merchant Accounts
Dedicated merchant accounts specifically designed for supplement and nutraceutical businesses with high approval rates, even for previously declined merchants.
Subscription Billing Solutions
Advanced recurring billing systems for auto-ship programs, membership subscriptions, and continuity products with flexible billing options.
Online Payment Processing
Secure online payment gateways that integrate with major ecommerce platforms and shopping carts for your supplement store.
Multi-Channel Sales Support
Payment solutions for both online and retail supplement sales, including in-store POS, mobile payments, and event sales.
Customer Retention Tools
Built-in features to maximize customer lifetime value, including dunning management, card updater technology, and win-back campaigns.
Trial Offer Management
Compliant free trial and paid trial management with automated notifications and smooth transitions to full subscriptions.
International Expansion
Multi-currency processing and global payment methods to expand your supplement business into international markets.
Compliance Tools
Built-in systems for managing product claims, subscription disclosures, and regulatory requirements specific to the supplement industry.
Fraud Protection
Advanced fraud detection and prevention systems designed specifically for the unique risks facing supplement merchants.
Simple Application Process for Supplement Merchants
Our streamlined application process gets your supplement business processing payments quickly
Complete Application
Fill out our simple online application with details about your supplement business and products
Submit Documentation
Provide necessary documentation, including product information, marketing materials, and business details
Compliance Review
Our specialist underwriting team reviews your application with nutraceutical industry expertise
Account Approval
Receive account approval within 24-72 hours, significantly faster than industry averages
Integration Setup
Our team configures your payment gateway and integrates with your existing systems
Start Processing
Begin accepting payments for your supplement products with ongoing compliance support
Supplement Compliance & Risk Management
Subscription Revenue Optimization
Frequently Asked Questions
Common questions about supplement merchant accounts and payment processing
Why are supplement businesses considered high-risk by payment processors?
Supplement businesses are classified as high-risk due to several factors: regulatory scrutiny from the FDA and FTC regarding product claims, higher-than-average chargeback rates, recurring billing models that increase dispute likelihood, concerns about product efficacy and customer satisfaction, and industry reputation issues from a minority of problematic companies. Kosipay understands these challenges and works with legitimate, compliant supplement businesses to provide stable payment processing.
What are the processing rates for supplement businesses?
Processing rates for supplement merchants typically range from 3.5% to 5.9% plus a small per-transaction fee, depending on your business model, processing volume, and risk profile. While these rates are higher than those for traditional retail, they reflect the specialized banking relationships required for supplement processing. Kosipay offers competitive, transparent pricing with no hidden fees, and we provide custom quotes based on your specific business needs.
Do you require a rolling reserve for supplement merchant accounts?
Some supplement merchant accounts may require a rolling reserve, which is a percentage of your processing volume held in reserve to cover potential chargebacks. Not all accounts require reserves, and we work to minimize or eliminate reserves when possible based on your business history and risk profile. When required, reserves typically range from 5-10% and are fully returned to you after a predetermined period, usually 6 months.
What documentation is required to apply for a supplement merchant account?
For a supplement merchant account application, you'll typically need: business license and formation documents, bank statements (3-6 months), processing statements (if applicable), valid ID for all owners with 25%+ ownership, product information including ingredients and manufacturing details, marketing materials showing product claims, subscription terms and conditions (if applicable), refund policy details, and website or sales platform information. Our application specialists will guide you through the specific requirements.
How do your payment solutions help with supplement compliance?
Our payment solutions for supplement businesses include several compliance features: marketing claim monitoring tools to help ensure FDA/FTC compliance, subscription disclosure management for continuity products, clear billing descriptor systems that reduce customer confusion, comprehensive receipt and fulfillment tracking, proper terms and conditions templates for supplement sales, and documentation systems to support your compliance efforts. We also provide ongoing education about changing regulations affecting the supplement industry.
How do you help supplement merchants prevent chargebacks?
Our supplement merchant accounts include specialized chargeback prevention tools: clear billing descriptors that remind customers of their purchase, pre-billing notifications for subscription renewals, easy cancellation mechanisms for recurring orders, comprehensive receipt and fulfillment tracking, customer education resources about products, and advanced fraud detection to minimize fraudulent purchases. We also provide dispute management services with industry-specific response strategies for supplement-related disputes.
Have more questions about supplement payment processing?
Speak With a Supplement Payment SpecialistGet Your Supplement Merchant Account Today
Don't let payment processing limitations hold back your supplement business growth. Our specialized solutions ensure you can accept payments reliably and securely.
- ✓High approval rates for supplement merchants
- ✓Advanced subscription billing management
- ✓Comprehensive compliance tools and support
- ✓Chargeback prevention specifically for supplements
Get Started Today
Fill out the form below to receive your tailored payment solution
By clicking submit, you agree to our Terms of Service and Privacy Policy