Authorize.net and USAePay support subscription and continuity billing with tokenized rebills.
High-risk merchant account
Nutraceutical Merchant Accounts That Survive the First Chargeback Wave
Supplement brands get flagged high-risk for continuity billing, free-trial offers, and the chargeback spikes that follow paid-ads ramps, and one dispute wave can freeze the money you already earned behind a 120-day reserve. Midnight Payments underwrites that profile up front, so subscriptions and DTC funnels keep processing and your settled revenue keeps reaching your bank instead of getting held after the first dispute wave.
24-hr approval
1,600+ U.S. businesses served by our network
$4.7B+ processed across our network
90%+ of legitimate merchants approved across our acquiring network
Stripe did not underwrite your category. The account should.
Stripe and PayPal blanket-decline supplements, and accounts that slip through rarely survive the first chargeback wave after a paid-ads ramp. Often it is not even about disputes you caused. Clean stores with low chargebacks get a rolling reserve on a meaningful slice of revenue, or a full hold, the moment the category reads high-risk, and the funds you already earned can sit frozen for months while bills come due.
The processor has access to your money but you do not. A nutraceutical-specific review prices continuity offers, ad-driven spikes, returns, and refund behavior into the account from day one, so your settled revenue keeps reaching your bank instead of getting parked behind a reserve.
A first chargeback wave can get a supplement account terminated, and a termination can put you on the MATCH or TMF list. see your MATCH or TMF options.
If the current processor is already expensive, unstable, or holding funds, start with a statement review. The useful comparison is what determines your rate against the costs you are already paying.
Get ApprovedCapability proof
Recurring billing that can carry subscription supplements
Subscription is the load-bearing payment model for supplement brands, so recurring billing is treated as core infrastructure rather than an add-on.
Gateway fraud tools help control the free-trial and continuity offers where chargeback exposure is highest.
FDA/DSHEA labeling and FTC claim-substantiation questions are expected during review, not treated as a surprise.
Gateways
Authorize.net / NMI / USAePay / PayTrace
Related processing capabilities for this page:
How approval review works.
Start your application
Send the merchant requisition with your supplement facts panel and product labels, or anchor the review in three months of prior processing statements.
Underwriting reads the offer, not the category
Your continuity and free-trial structure, refund terms, chargeback history, and FTC claim substantiation for ad and landing-page copy are reviewed together.
Terms are compared against what you pay now
Pricing is set against your current statement, with monthly fees that are low or absent, no long-term contract, and any reserve sized to your real dispute rate rather than the category.
Rebill setup and go live
Authorize.net or USAePay is provisioned for subscription and continuity billing, with gateway fraud tools tuned to the free-trial offers that drive most supplement disputes.
What you will need for review.
Documents vary by risk profile, but every application starts with the business basics and then adds category-specific proof.
Standard documents
- Completed merchant requisition form
- W9
- ABA/routing number, account number, and settlement name on account
- Business license
Nutraceuticals add-ons
- Supplement facts panel or product labels
- FTC claim-substantiation for ad and landing-page copy
- 3 months of prior processing statements
Nutraceuticals merchant account FAQ.
These answers are specific to nutraceuticals. For cross-cutting approval, pricing, reserve, and gateway questions, see the full FAQ.
Can I get approved after Stripe or PayPal shut down my supplement store?
Yes. A prior shutdown is common for supplement brands. Underwriting reviews your transaction profile, offer structure, chargebacks, and compliance materials instead of declining the category on sight.
Do free-trial and continuity offers affect approval?
They are underwritten, not automatically disqualifying. The offer structure, refund policy, and chargeback history are reviewed up front.
Do you support recurring billing for supplement subscriptions?
Yes. Subscription billing can run through gateways such as Authorize.net and USAePay with tokenized rebills.
What chargeback ratio puts my account at risk?
Card networks watch chargeback ratios closely, especially near the 1% range. The harder problem is that mainstream processors do not wait for that line. Supplement stores with a clean record and chargebacks well under 1% still get hit with a sudden rolling reserve or a full hold once the category reads high-risk. Underwriting the nutraceutical profile up front, with fraud tools, refund visibility, and direct processor communication, is what keeps a category flag from turning your settled funds into frozen funds.
Do you work with brands scaling on paid ads?
Yes. Ad-driven volume spikes are expected in nutraceutical ecommerce and should be disclosed during underwriting.
Are there monthly fees or long-term contracts on a supplement account?
Our fees are very low, and many supplement and nutraceutical brands carry no monthly account fee at all. There is no long-term contract locking in a subscription-driven brand, and on e-debit accounts the monthly fee is $0. The real cost sits in processing fees on the volume you run, not a fixed monthly charge.
How fast does settlement reach my bank after an ad-driven order spike?
Settlement runs on daily ACH funding once the account is live, so revenue from a continuity funnel or a paid-ads order spike keeps funding out to you each day instead of sitting behind a rolling reserve.
Do you handle DTC single-product funnels?
Yes. Single-product funnels and multi-SKU supplement stores can both be reviewed for online processing.
Get reviewed
Stop running supplement revenue through an account that was not built for your category.
Share your vertical, monthly volume, current processor status, and any recent statements. Midnight Payments will route the review toward a merchant account fit for the actual risk.