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Dash/Process

Health & wellness

Standard program

Nutraceuticals and supplements payment processing

Supplements are restricted because of how they are sold rather than what they are. Free-trial and continuity offers drive the dispute profile acquirers price against.

Commonly assigned MCC

5499 · 5122 · 5968

The category actually assigned is set at boarding and can differ from these.

Reviewed

The short version

A supplement brand selling one product at a fixed price on a clean page is not, in itself, a difficult account. The vertical's reputation comes from the direct-response end of it: free-trial offers, negative-option continuity, and claims language that would not survive an FTC reading.

Underwriting for nutraceuticals is largely a review of your funnel. The offer structure, the terms disclosure and the cancellation path matter more to the outcome than the ingredient list.

What is actually being priced

What underwriting is looking at.

Negative-option billing drives disputes

Free trials that convert to recurring charges generate disputes months after the first transaction, which is what pushes ratios over threshold.

Claims are read closely

Disease and outcome claims turn a supplement into an unapproved drug in the regulator's reading. Underwriting checks live pages, not the ones you submit.

Cancellation friction is a decline

If a customer can subscribe in two clicks and cancel only by phone, the file has a problem before it reaches the bank.

What their lists say

Stripe, Square and PayPal on nutra & supplements.

Their own published policies, quoted verbatim and dated, next to where the category stands with our acquiring partners.

Stripe

Prohibited

“Pseudo-pharmaceuticals or nutraceuticals that are not safe or make harmful claims”

Listed under Prohibited, qualified by safety and claims.

Square

Not listed

Not named. §3 includes a catch-all for 'high-risk products and services'.

PayPal

Not listed

Not named. 'Steroids, certain controlled substances or other products that present a risk to consumer safety' are prohibited.

Dash Process

Standard program

Straight-sale and continuity structures both written, with funnel and claims review before the file is presented.

What we ask for
All twenty categories, with sources

In the product

What your application looks like from your side.

The same five stages we publish on the site, a named contact, and the document list for nutra & supplements in one place — received, requested, or not needed.

How it works
Meridian Botanicals/Application
Sandbox
  1. Apply
  2. Underwriting
  3. Approve
  4. Integrate
  5. Live

Underwriting in progress

Acquiring review · Nutraceuticals and supplements program · MCC 5499

In review

Documents · 3 of 4 received

  • Live funnel URLs, including any trial or continuity pathReceived
  • Terms of sale and the cancellation process as a customer experiences itReceived
  • Refund policy and historical refund rateReceived
  • Processing statements showing chargeback ratio by monthRequested
Illustrative · figures are fictional, not a quote

What we put in place

  • Acquiring programs that write both straight-sale and continuity offer structures
  • Pre-submission review of funnels, terms disclosure and cancel paths
  • Descriptor strategy so charges are recognizable on a statement
  • Chargeback alerts and representment built around subscription disputes

What underwriting will ask you for

Assemble these before you apply anywhere. The list does not get shorter by waiting, and having it ready is the single biggest thing you control about how long this takes.

  • Live funnel URLs, including any trial or continuity path
  • Terms of sale and the cancellation process as a customer experiences it
  • Refund policy and historical refund rate
  • Processing statements showing chargeback ratio by month
Why each document is on the list

Questions

About nutra & supplements.

No. They change the underwriting. We review the funnel, the terms disclosure, the pre-billing notice and the cancel path, because those are what generate disputes. A continuity offer with clear disclosure and an easy cancellation is underwritten; one that hides the rebill is not.

On this account

What an account in this vertical usually runs on.

Next

Telemedicine and online pharmacy

Tell us about your nutra & supplements business.

We will tell you which of our acquiring partners writes it and what your file needs before it goes anywhere.

Get approvedAsk a questionor call (347) 594-9686