Free-trial offers and rebills trigger chargebacks and freezes on ordinary processors. Structure underwrites nutra brands with continuity billing and dispute tools that keep the account alive.
Concern about the side effects and addictive properties of conventional pharmaceuticals has pushed a lot of consumers toward nutraceuticals. The sector now turns over close to $220 billion a year and is projected to pass $240 billion.
Despite that scale, nutra brands struggle to hold a merchant account. Continuity billing and free-trial offers produce chargebacks, and ordinary processors respond by freezing the account rather than managing the risk.
Supplements, botanicals and the adjacent categories that get swept up with them.
The risk here is rarely the product — it is the billing model and the claims around it.
Product labeling and health claims are closely scrutinised, and a processor unfamiliar with the category will treat ordinary marketing as a red flag.
Nutraceutical products draw chargebacks from customer dissatisfaction, disputes over product effectiveness, and confusion about recurring billing.
Ingredient sourcing, quality control and claim substantiation all factor into how an underwriter prices your risk.
Rebills and trial-to-paid conversion are the fastest route to a terminated account elsewhere. Here they are underwritten as a normal part of the model.
Selling across borders adds currency handling and per-market rules. Multi-currency processing keeps that manageable.
Fraud detection, identity verification and dispute tooling come with the account, so ratios stay inside the thresholds that keep it open.
No drawn-out underwriting theatre. A real person, a real timeline, a real approval.
One short form and a quick document upload. Your dedicated rep reviews it the same day — no call-center runaround.
We match you to the right banking relationship and gateway for your industry, chargeback history and volume.
Credentials, gateway and cart integration go live. You're accepting cards — usually within about 48 hours of applying.
Yes. Nutraceutical and supplement brands can be approved through a processor that underwrites continuity billing deliberately. Structure Payments approves nutra merchants including those running free-trial and subscription offers, usually within about 48 hours.
Because of regulatory scrutiny around labeling and health claims, and because continuity billing and free-trial offers generate more chargebacks than one-off retail. Ordinary processors treat both as reasons to decline or terminate.
Publish genuine product reviews, keep customer service responsive, make billing terms and receipts unambiguous, survey customers to catch dissatisfaction before it becomes a dispute, and grow transaction volume so the ratio has a larger denominator.
Yes, provided the terms are disclosed clearly at checkout and cancellation is straightforward. Structure Payments underwrites continuity billing directly and includes the dispute tooling needed to keep the ratio healthy.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.