Merchant accounts for supplements and nutraceuticals

Provide product labels, ingredient lists, supplier details, available testing and the countries where you sell. Separate supplements from medicines or other regulated products. A product’s legality in the manufacturing country does not establish its eligibility in every destination market.

FTC health-products guidance emphasises truthful, non-misleading claims supported by appropriate evidence. Review express and implied claims, including landing pages, endorsements and affiliate promotions. Provider approval is not a certification that the product, ingredient or claim complies with all applicable rules.

For one-time purchases, explain fulfilment, shipping, tracking and returns. For subscriptions, show the recurring price, frequency, consent, notices and practical cancellation process. A customer must be able to understand the offer before purchase rather than discover the ongoing charge on a statement.

Free trials and introductory discounts need particular care around subsequent billing. Give the underwriter the actual screens and terms, not an idealised description. Changing to a dedicated merchant account does not fix unclear consent or misleading claims.

Keep the refusal or termination notice, current product catalogue and available processing statements. Identify whether the issue was a specific ingredient, claims, customer geography, disputed billing or an unsupported category. Do not assume another provider has the same policy or that a blanket ban explains every closure.

Show what you have changed: revised claims, clearer subscription terms, better refund response or improved fulfilment records. Xavion uses that evidence to assess an appropriate route rather than advise you to hide products or pick an inaccurate merchant category.

Compare pricing against the same average ticket, currencies, customer markets and refund assumptions. Confirm reserves, release conditions, settlement delays, dispute fees and exit provisions in writing. There is no universal percentage that makes every supplement merchant safe from monitoring or termination.

Model whether you can fund stock, shipping and refunds while some settlements are held. If your margin depends on immediate access to every sale, a reserve-heavy offer may not be workable even if the application is approved.

The processor approves card acceptance; the settlement bank or payment institution assesses incoming payouts and the company profile separately. Ensure the settlement account name, currencies and approved activity match the merchant agreement. An overseas IBAN is not permission to process sales through an undisclosed company.

Any backup processor must assess the genuine catalogue, markets, volume and recurring billing. Do not use several merchant IDs to evade monitoring or move prohibited products between providers. Confirm integration and routing permissions before sending live traffic.

Send the website, company country, owners’ residence, principal products, customer countries, billing model and monthly processing requirement. Explain any previous refusal and what changed. Keep identity documents and customer payment details out of the initial message.

We identify missing evidence and whether a suitable specialist processor can be approached. Xavion is not an acquirer and does not certify product legality or guarantee merchant approval. Paid placement work and provider terms are agreed separately after the free assessment.