Why underwriters look closely at health supplements & nutraceuticals
Trial offers
Free-trial-then-subscription models are the biggest single source of supplement chargebacks.
Health claims
Claims that a product treats or cures a condition draw regulator and card-brand attention.
Affiliate marketing
Third-party ads you don’t control can make claims you would never approve.
A payment setup that fits
How we usually set up supplement brands. Your consultant tailors it to how you actually sell.
- 1
Straight-sale offers
Selling at full price, with subscription as an option, is far easier to place than free-trial offers.
- 2
A reminder before each shipment
For subscriptions, an email before each charge with an easy way to skip or cancel.
- 3
Alerts and RDR
Dispute alerts on every account from the first day.
What you’ll need to apply
Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.
- Government ID for every owner with 25% or more
- Voided business check or bank letter
- Recent business bank statements
- Recent processing statements, if you have taken cards before
- Articles of incorporation and EIN letter
- A website with clear pricing, refund, cancellation and contact details
- Product labels and supplement facts panels
- Fulfillment partner and tracking process
- A list of affiliates or traffic sources
Why applications get declined, and how to avoid it
- Trial terms that are hard to find before checkout
- Disease claims on the site or in ads
- No clear way for customers to cancel
- A history of high chargebacks without a plan to reduce them
We review your website, policies and statements against these before anything is submitted.
Keeping the account healthy after approval
Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.
- Review affiliate ads every month
- Ship fast and send tracking automatically
- Refund unhappy customers before they go to their bank
Health supplements & nutraceuticals: common questions
Are free-trial supplement offers still possible?
Some acquirers accept them with strict compliance. Straight-sale and opt-in subscription models are much easier to place and keep.
Which claims get accounts closed?
Claims that a product treats, cures or prevents a disease, and dramatic weight-loss promises. Stick to structure-and-function language your counsel approves.
Do we need a separate account for each brand?
Separate brands with separate websites can have separate accounts. Splitting one offer to hide chargebacks is prohibited.
What happens after I’m approved?
We keep working with you. Our platform gives you one view of every account, and we review your chargebacks, approval rate, fraud tools and fees with you so the account stays healthy and gets cheaper over time.