Nutraceuticals are one of the most scrutinized categories in payments, and the reason is historical: a decade of free-trial 'negative option' offers in the supplement space produced dispute ratios that put entire acquiring portfolios into card network monitoring programs. Legitimate supplement brands inherited that reputation. Centurion places nutraceutical and herbal-supplement merchants with acquirers that underwrite the category on the merchant's actual offer structure and claims, not on the industry's worst actors.
What gets approved today is straightforward commerce: transparent pricing, honest label claims, real fulfillment, and — where recurring revenue matters — subscribe-and-save billing with clearly disclosed terms. What still gets declined, everywhere, is the forced-continuity free trial.
Health and weight-loss claims are regulated. Marketing that implies disease treatment or guaranteed results is reviewed by underwriters before an acquirer takes the file — and by regulators afterward.
The category's free-trial/forced-continuity era produced dispute ratios far above network thresholds. Any offer resembling that structure is effectively unbankable.
Direct-to-consumer supplement sales are almost entirely online, with full fraud liability on the merchant and 'never received' disputes tied to fulfillment quality.
Subscribe-and-save is where the revenue is — and where the disputes are. Renewal notification, descriptor clarity, and easy cancellation decide whether the model stays inside thresholds.
Underwriters read your funnel. Straight retail pricing, bundle discounts, and subscribe-and-save with pre-billing reminders board readily. Free-plus-shipping trials that convert to full-price monthly shipments do not — not because the mechanic is illegal everywhere, but because its dispute math is incompatible with staying under network thresholds. If your current offer is trial-based, we'll tell you what to change before submitting the file rather than after a decline.
Claims hygiene matters just as much: structure/function language, no disease claims, no before-and-after guarantees, substantiation on file, and required disclaimers on the site. This is the single fastest thing most supplement brands can fix to improve approval odds.
We review your offer and claims first, position the file with acquirers that actively board nutraceutical volume, and structure subscription billing to network rules from day one. Processing options may be available depending on underwriting, business model, location, processing history, and other factors.
Nutraceutical files are offer-structure and claims files:
Documentation requirements vary by processing partner and business model. This list is a general guide, not a universal checklist.
Specialists in nutraceutical and supplement payment processing. No obligation. Response within 1 hour.
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Speak with Centurion Payment Services about your business model and available processing options. Processing options are subject to underwriting and vary by business model, location, and processing history.