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Get Started FreeHigh-Risk Industries · Nutraceuticals
Banks and aggregator processors decline supplement brands every day, and many that do approve them freeze funds or close the account once the first disputes arrive. A nutraceutical merchant account from PayKings works in the opposite order: we underwrite your business before you process a single payment and place it with an acquiring bank from our network of 20+ banking partners that already accepts your product category. Approved accounts come with recurring billing, chargeback tools, and fraud screening from day one, with next-day funding available. Complete the online application to get started.
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What nutraceutical underwriters ask for
By the numbers
10,000+
Merchants approved across high-risk industries.
86%
Approval rate for the high-risk merchants who apply.
24hr
Average approval time once underwriting has your documents.
$2B+
Processed annually through PayKings merchant accounts.
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Why high-risk
Underwriters flag nutraceutical merchants for three reasons:
None of this means your business cannot be approved. It means your account has to come from a provider that understands what makes a business high-risk and knows which banks will approve supplements. That is the work we do across every high-risk industry we serve.
Credit card processing
Nearly all nutraceutical credit card processing happens card-not-present—on a website, over the phone, or on a recurring schedule. Each of those orders carries more fraud and dispute exposure than an in-person sale, which is why aggregator-style processors so often hold payouts or shut supplement accounts without explanation.
A dedicated account removes much of that uncertainty, because the bank approved your business model before you took your first payment. Every PayKings nutraceutical account includes:
Card networks monitor every merchant's dispute ratio, and nutraceutical merchants cross those thresholds more often than most. A high chargeback ratio is the most common reason a supplement brand loses its processing—and the most common reason mainstream providers decline the next application.
We underwrite with that history in view rather than against it. If your previous processor exited because of chargebacks, send us your most recent processing statements, and our underwriting team will review your file and put your terms in writing before you sign. Our guide to the merchant account underwriting process explains each stage. Approved accounts include:
What we underwrite
We underwrite supplement merchant accounts across the categories supplement businesses actually sell; weight-loss products carry additional scrutiny and are reviewed case by case. If your catalog spans several categories, one account can cover all of them—no separate applications and no second provider to manage. For a wider view of growing a supplement brand beyond payments, see our guide to building a successful nutraceutical business.
Online sales
If you sell supplements online, your merchant account has to be underwritten for card-not-present volume from the start. Ours are—one account across every channel you sell through:
Subscribe-and-save offers and monthly replenishment are how supplement brands build predictable revenue, and they are also a major reason underwriters flag the industry. Many processors refuse subscription nutraceutical merchants altogether.
We underwrite them—our recurring billing merchant accounts make subscription billing part of the approval rather than something bolted on afterward.
Our guide to continuity billing for subscription merchants explains how underwriters evaluate rebill models. For lower-cost bank-account rebills alongside cards, ACH payment processing is available on the same account.
What's included
Merchant services
Nutraceutical merchant services from PayKings cover every sales channel, and every channel runs on the same account with the same recurring billing, fraud protection, and chargeback support—no separate process and no pieced-together stack of providers.
Security that meets the PCI DSS standard covers:
We place US-based nutraceutical merchants with domestic acquiring banks, whichever state you operate in. Accounts process transactions in US dollars, and we do not currently support international or cryptocurrency payments.
Getting set up
Start your nutraceutical merchant account application from any device—whether you sell from a website, over the phone, or in person.
Provide a business license or EIN, evidence supporting your product claims such as clinical studies and compliant labeling, and recent processing statements if you have prior history.
Our team guides your file through underwriting and matches your business with the banking partner best suited to nutraceutical merchants.
Begin accepting payments for your supplements and nutraceutical products with next-day funding options and dedicated support behind you.
How to choose
Search results are full of top-five processor lists. Most of the companies on them—including the largest credit card processors—do not accept nutraceutical merchants at all, or approve them and then close the account once chargebacks appear. Size is the wrong measure for this industry. Judge any provider against five criteria instead:
Here is how a dedicated PayKings nutraceutical merchant account compares with the mainstream processors most supplement brands try first:
The difference
Built for the businesses other processors turn away.
FAQ
Everything you need to know about high-risk payment processing
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