Nutraceutical & Supplement Merchant Accounts

Are you tired of account shutdowns and holds? Nutra brands and supplement companies across the USA trust Creditly for safe and reliable nutraceutical credit card processing.

With the fastest, safest way to process payments, you can worry less about your nutraceutical and supplement merchant account and focus more on your business

The #1 Payment Processor For Supplements & Nutraceuticals

Supplements and other nutraceuticals fall into the category of high risk, and require a full service merchant account provider that provides Underwriting. 

Surprisingly to some, they fall into the same spectrum of risk as adult merchant services or CBD merchant accounts. A basic payment aggregator like Stripe, PayPal or Square won’t cut it when it comes to your brand.

While they may initially approve you, the headaches you’ll encounter weeks or months down the road such as freezes, holds to your funds, or account shutdowns, are NOT worth it.

As a business accepting credit cards online, you need a truly reliable merchant account.

Last year, Payment Aggregators, including Stripe, closed down millions of merchant accounts, and the reason will shock you…

Simply put… It’s how their business model works!

They have one merchant account, which they let millions of merchants use. In doing so, they balance the risk between solid ethical business owners with entrepreneurs who would commit fraud, launder money, sell a poor-quality product, or close their doors before a consumer asks for a refund.

This allows companies like Stripe to set you up quickly, but it also allows them to shut you down even quicker.

The problem is that they don’t know anything about you when they set you up. They don’t know who you are, what you sell, or how you sell it.

If they set you up and anything unusual happens, such as a spike in chargebacks, the likelihood of them closing your account is HIGH.

Even worse, if one of your competitors does anything to trigger a flag in their system, they look at the entire industry. And through no fault of your own, a competitor’s misstep could mean a closed account for you.

So, how does Creditly differ? And how do we keep our client’s merchant accounts stable?

The KEY component is thorough underwriting.

Our specialists underwrite your account so that we understand your business and marketing model. This allows us to match you with a back-end bank that works with your vertical.

Which greatly lowers the chance of you ever having an issue.

On top of that, when you sign up with us, you’ll have one dedicated point of contact, access to our fraud protection services, recurring billing, mobile payments, hosted checkout, and integration to over 250 shopping carts.

We’ll also work with you to optimize your payments for the lifetime of your account.

Lowering your decline rates so that you can increase revenue, monitoring your chargeback ratios, and helping to mitigate them, plus much more.

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Creditly Can Provide You With Nutraceutical And Supplement Features ...

Transaction Routing – We’ll automatically route your transactions across multiple accounts. That way if anything ever happens to one, your others are still up and running.

White Glove Service – You’ll have a dedicated point of contact that you can reach any time you need them.

Decline Recovery – We’ll help you improve your approval ratios and reduce decline rates. That way, you put more cash back in your pocket and process more payments.

Chargeback Mitigation – Stop chargebacks before they begin with. our chargeback alert system. Greatly lower account issues and improve customer satisfaction.

Hosted Checkout – Quickly create checkout links and landing pages with a few clicks. Email them, DM them, or text them to your clients for payments on the fly.

Recurring Billing – Built-in recurring billing for subscription purchases with multiple payment options available

Mobile Payments – Process payments on the go with our easy to use mobile payment solution

250+ Integrations – Integration to nearly every shopping cart, plus we integrate to most apps and software. If you need something specific, our in-house development team will make it happen. 

Banking For Nearly Every Vertical – We offer merchant accounts for almost every vertical, including high risk merchants and much more. Get approved today.

Unlimited High Ticket – Worry free processing of high ticket transactions and high volume.

The term nutraceutical covers a lot of ground. Any vitamin, mineral, or health-related supplement not running through a pharmaceutical company falls under this category. In today’s market, demand has grown to a point where nutraceutical sales have evolved into a booming industry. People are more aware of health issues and often look for ways to remedy illness with more natural remedies.

As the industry expands, there is more competition and smaller businesses and start-up businesses need to make sure they have the tools to be successful.

One of these tools is payment flexibility. Gone are the days of cash-only shops thriving. We have stepped into the 21st century and for a business to succeed, they need to have a credit card processing system in place to handle the payment demands of its industry.

Originally, the term nutriceuticals referred to health foods. In the years since the coining of that term, the phrase has grown to cover all things health related that are not controlled by pharmaceutical companies.

There is a wide range of products covered by the nutraceutical umbrella. Walk into a nutrition store, and you will find shelves packed with every type of vitamin, protein powder, herbal supplement, and dietary pill on the market. Due to the wide variety of products, FDA approvals are not required, and the claims made for the products are not always validated. Generally, the supplements sold tend to be more natural and holistic in their origins than much of what can be found at the neighborhood pharmacy.

Nutraceutical merchants fall into the “high risk” category for several reasons: shifting FDA compliance, higher than average chargebacks, subscription models for online stores, and the potential for lawsuits.

While some of these issues are avoidable through cautious planning on the part of the merchant account provider, others are simply part of the process.


The regulations on the products sold by a nutraceutical business are limited. The FDA tries to stay on top of products, but they are constantly behind the game. The byproduct of the lack of regulation side of the business means that some of the products sold may not be as advertised. It also means there is a constant tug of war as the government tries to bring some sense of regulation to the products being sold. This creates a constantly shifting tide of approved products.

Unfortunately, many credit card processors try to avoid dealing with these issues. By lumping nutraceutical merchants in with other high risk businesses, they try to limit their exposure.



All businesses deal with chargebacks to a certain degree. However, within the nutraceutical business community, those numbers are higher than the industry average. Due to the uncertain nature of each product, there will likely be a steady level of customer dissatisfaction around certain portions of the industry. Whether the customer returns the product for a refund or leaves bad reviews to impact further sales, the business is left to deal with the fallout.

With many nutraceutical businesses operating online, the rates of chargeback are even higher. Statistically, online platforms see a much higher rate of chargebacks due to fraud. In fact, online fraud rates account for almost $4 billion in losses for online businesses.



Many nutraceutical businesses use a subscription model. People like their vitamins or supplements regularly and want that supply to keep on coming…until they don’t.

Due to cancellation and returned products when the subscription is no longer wanted, the rates of legitimate chargeback are higher than other businesses. There is almost always a lag between actual cancellation and when the banks stop trying to collect payment. While the subscription model fits the needs of the business, the downside is the resulting chargebacks.



Unfortunately, the whole nutraceutical business carries an age-old connotation of snake oil and elixirs. The industry has taken strides to rid itself of those images, including the name nutraceutical. And while the majority of products offered by supplement stores are either helpful or at least not harmful, there is always the possibility a product does not live up to expectations.

In the past few years, there have been many lawsuits against nutraceutical companies for products that fail to produce the promised results. There have been class action lawsuits over products promising weight loss, penile enhancement, and gluten-free options. The list is much more extensive, and the constant possibility of legal action gives weight to the high risk designation.

Nutraceutical Merchant Accounts FAQ

A nutraceutical merchant account is a type of high risk merchant account that is specifically designed for businesses that sell nutraceutical products, such as dietary supplements, vitamins, and other health-related products. This type of merchant account allows businesses to accept credit and debit card payments from customers and process them securely.

A nutraceutical merchant account is essential for businesses that sell nutraceutical products, as it allows them to accept credit and debit card payments from customers. Having a merchant account also gives customers peace of mind, knowing that their personal and financial information is being transmitted and stored securely.

To apply for a supplement merchant account, you will need to provide some basic information about your business, including your business name, address, contact information, and a list of the products you sell. You will also need to provide information about your business’s financial history, including your credit score and the amount of money you process on a monthly basis. Some merchant account provider may require additional paper work or financial report of your business.

Yes, there are specific requirements for high risk nutraceutical merchant accounts. These include having a valid and current business license, being in compliance with any applicable state or federal regulations, and having a good credit score. Additionally, businesses that sell nutraceutical products may be required to provide additional documentation, such as lab reports or certifications, to prove the safety and efficacy of their products.

Rates for nutraceutical merchant services can vary depending on the provider and the specific products and services offered. Some merchant account providers may charge higher rates for nutraceutical merchant accounts due to the increased risk associated with the sale of these types of products, while others may charge rates that are similar to those for other types of merchant accounts.

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Creditly helped us get access to a payment processor when others could not. They were super helpful and got us up and running faster than expected. Highly recommended!

Joseph Dubois


We needed access to multiple processors, and Creditly delivered. It's good to know we have a partner that will stand behind us as we grow and expand our locations.

Jody Martinez

SAS & Travel

Our high risk business needed help after Stipe held up payments. Creditly got us approved. I'll never go back to using Stripe or PayPal.

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