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.
$0 monthly fees
1,600+ U.S. businesses served
15+ years in merchant services
$400M+ monthly processing volume
Shutdown pattern
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 20 percent rolling reserve or a full hold the moment the category reads high-risk, and the funds you already earned sit frozen for 120 days 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 PricingCapability 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:
Process
How approval review works.
Apply or send a statement
Start with the merchant requisition, or use a current processing statement to anchor the review.
Underwriting reviews the actual risk
Your vertical, online payment model, chargeback profile, compliance overlay, and processing history are reviewed together.
Approval terms are compared clearly
The terms are evaluated against your current setup, with $0 monthly fees, no long-term contract, and daily ACH settlement kept visible.
Gateway setup and go live
Authorize.net, NMI, USAePay, and PayTrace options cover ecommerce, subscriptions, B2B payments, and reporting needs.
Application docs
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
FAQ
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?
No. Midnight Payments uses a $0 monthly fee posture, with the cost handled through processing fees.
How fast does settlement happen?
Settlement is handled through daily ACH funding once the account is live.
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.