Processing for the category everyone else drops.
Supplements, nutraceuticals, wellness products, and CBD-adjacent categories — with underwriting that doesn't disappear after 60 days.
Your processor's favorite game: onboard, take volume, freeze the account
Health product and supplement merchants have been run through the wringer by the payments industry. Flat-rate processors onboard them, take two months of volume, then freeze the account citing "prohibited category." Subscription products trigger friendly-fraud chargebacks. Substantiation claims get flagged. We underwrite health products correctly from the start — full product-mix disclosure, realistic chargeback thresholds, subscription-friendly billing, and a partner bank that actually wants the category on its books.
The right program for this category
Interchange-Plus with high-risk underwriting
Our first-choice program for this category.
Tiered pricing for subscription-heavy operators
Honest pass-through alternative — no surprise markups.
Supplements and nutraceuticals are flagged as high-risk by most generic processors because of past industry-wide friendly fraud and subscription chargebacks. Interchange-plus keeps the pricing honest, and we pair it with robust chargeback tools so you're not rebuilding your account every six months.
Category-specific safeguards
- Correct MCC placement (5122, 5499, or specialty as appropriate)
- Chargeback management and representment tools
- Subscription-friendly billing with proper cardholder notifications
- Compliance support for marketing and substantiation language
Common questions
We sell subscription boxes. Is that a problem?
No, but it requires proper setup. Subscription businesses need clear terms, consent records, and cardholder notifications to avoid chargebacks. We build those into the account from day one.
My last processor dropped us for product mix. Can you approve us?
In most cases, yes. Most drops happen because the previous processor wasn't told what the merchant actually sells. We do full disclosure at underwriting so the account survives.
What about CBD or hemp-adjacent products?
We handle CBD and hemp on a specialty high-risk program. Your specialist will walk through what's supported and where.
Ready for a real quote?
Send your last statement. A specialist returns the math and the program that fits your business — usually the same day.