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Nutraceuticals are a thriving industry. However, banks consider nutraceutical businesses to be high-risk because of the high chargebacks, lack of regulation of the product’s ingredients, as well as continuity billing. Therefore, finding a knowledgeable payment processor is better to help your nutraceuticals get through all legal actions.

All You Need To Know About Getting A Nutraceutical Merchant Account

nutraceutical merchant account

Best Nutraceutical Merchant Accounts with Fast Approvals

Nowadays, building a successful Nutra business requires the owner to run a successful offline store and create an online presence to maximize the opportunities and generate revenue, including launching a website and selling products, customer support, or subscriptions. Therefore, Nutra owners need a payment processor that allows entrepreneurs and individuals to generate revenue using their website or preferred eCommerce solution, keep track of business transactions, and stay processing with your nutraceutical merchant account.

We understand the difficulties that nutraceutical merchants can be faced when working with standard payment processors. At IPP, we provide Nutra merchants with the best premium high-risk nutraceutical merchant services, credit card processing, and merchant approval. We have experts and technology to ensure that payment processing, customer service, fraud prevention, and chargeback disputes are easy to handle for our high-risk accounts.

IPP’s top features of high-risk merchant accounts

Secure Payment Gateway
Chargeback Disputes
Fraud Prevention & Protection
Customer Service Support
Multi-Bank Processing (Including Offshore)
Chargeback Alert
ACH / Check 21 Processing
Competitive Credit Card Rates
Ready To Get Started

Create an account instantly and start accepting payments. You can also contact us to design a custom package for your business. 

What Needed To Get a Nutraceutical Merchant Account

Online merchant account application is easy, a retail or online nutraceutical business can begin the process to get a merchant account today. 

To apply for it, merchants can start by filling out the pre-application. Along with the pre-application, merchants also need to submit the following items for the underwriting process:

Online Presence
A secure, valid website
Banking Information
3 months of most recent processing statements and 3 months of most recent bank statements
Chargeback Ratios
Must be under 2%
Personal Details
A social security number (SSN) or employer identification number (EIN)

Additionally, online businesses should maintain secure, operational websites. Once we get all the documents, merchants can get approved within 24 to 48 hours.

Types of Nutraceutical Merchant Account

Retail POS


A retail nutraceutical merchant account allows businesses to accept card-present payment, including credit card, debit card, or point of sale. The transaction rate for retail is usually low as it has the lowest fraud and chargeback risks compared to other merchants.

Retail Mobile Payment


A mobile merchant account is an alternative payment option for a retail merchant account. Customers can use the credit card swiping attachment that plugs in their mobile to pay. This type of payment also has a lower rate of fraud and chargebacks. Therefore, the transaction rate is low as it is for retail.

virtual payment

Virtual Terminal

Customers can pay over the phone, mail, or laptop (without separated equipment). This payment option gives the consumers more options to pay, but it also increases fraud and chargebacks. However, customers can use our chargeback fraud prevention and customer service to prevent tools from protecting their revenue.

eCommerce payment


To sell products online, Nutra owners need an eCommerce merchant account. Our payment solutions help to integrate with most major payment gateway and shopping cards. We also provide dispute alerts, chargeback fraud prevention tools, and customer service to protect your business.

How Nutraceutical Merchant Accounts are Approved

To determine the risk associated with your nutraceutical merchants, underwriters need to review the application files. Therefore, merchants need you to fill out the pre-application and provide the required documents, such as banks statement, IDs, and merchant history.

Then, our experts will help you to obtain fast approval with the lowest possible rates. First, our team will check the selling products at your store, such as the legality of the ingredients, countries where they are being offered. Once we assure the product ingredients are seemed acceptable, we confirm that the information on the website and marketing materials is listed accordingly. This action is crucial for a nutraceutical company as some companies were forced to close when a government agency randomly discovered misleading or false online information.

Furthermore, we also help you to check the processing history to make sure the chargeback ratio is lower than 2%. We will have some recommended solutions to help your merchant account decrease the ratio if it’s higher.

Finally, we will ensure that you have enough operating capital to substantiate the processing volumes being requested. This action ensures that you have enough money to run a successful business and cover any chargeback risks associated with your payment processing.

Why Use a Nutraceutical Industry Merchant Account?

The nutraceutical industry has experienced explosive growth as the health-conscious millennial generation has embraced supplements as part of their daily rituals. According to a report funded by the Council for Responsible Nutrition, more than two-thirds of American adults use supplements to fill their nutrition gaps. The industry has contributed $121.6 billion to the U.S. economy. The number is expected to grow to $671 billion worldwide in 2024.

Unfortunately, the nutraceutical industry has a high chargeback ratio and is not well regulated in the United States. Therefore, banks consider nutraceutical merchants too high of a risk.

As a result, it is likely not possible to get a standard merchant account. Even if you receive a merchant account from a traditional payment processor, the bank and payment processor will eventually terminate your account as you violate their service policies. Therefore, choosing a high-risk merchant account is better to keep your nutraceutical merchant account without losing sale opportunities.

With a suitable payment processor, you can confidently promote your Nutra products, services, and subscriptions. Besides, if you are a small business and want to compete with the big companies by selling unique or alternative products that are not standard for the retail market, high-risk merchant accounts are an idea for you.

Your nutraceutical business has unique needs, we are a unique solution.
IPP will get you approved today for a  low or high-risk merchant account for your nutraceutical business at the most competitive rates. 

How Nutraceutical Merchants Keep Chargebacks Low

It is highly recommended to use a high-risk nutraceutical merchant account. A reputable high-risk payment processor will include an alert and chargeback management system to manage the issue before it becomes a chargeback. This action helps your chargeback ratio at a low level and maintain a good relationship with the bank.

Furthermore, our iCan4Consumers helps you communicate with your customers and issue funds before it becomes a chargeback. Our support team will help customers use the products properly and understand the benefits of each product. Besides, our team will also help customers if they do not remember or recognize their transactions on their credit card statements. Therefore, customers know exactly what they pay for and do not angry to contact the banks to issue a chargeback.

Here are the advantages of iCan4Consumers refund management:

Reduction in Fraud & Chargeback Ratios
Reduce chargeback rates up to 30% by intercepting and prevent questioned transactions from becoming a chargeback.
Improve Customer Experience
Our customer service professionals are available 24h a day, every day for your customer queries resulting in higher levels of consumer satisfaction and increased customer confidence.
Take Quick Action
Since the issuing banks and the processors are remiss in posting credit to the cardholder account, iCAN acts as an opportunity to provide quick/complete service reference to the upcoming credits.
Stop Alert & Chargeback Fees
With iCan4Consumers, you can significantly reduce fees related to chargebacks and third part alert fees from the banks and other alert systems.

What types of businesses in the nutraceutical industry do we accept?

We offer nutraceutical merchant account for a wide range of sub-industries related to nutraceutical, such as:

  • Dietary supplement
  • Herbal products
  • Multivitamins
  • Natural mal enhancements
  • Cosmeceuticals
  • Beauty and cosmetic products
  • Weight Loss Supplements
  • Sport Enhancing Supplements
  • Anti-aging treatments
  • Meal replacement shakes and snacks
  • Male enhancement supplements
  • Detox kits including colon cleanse supplements
  • Medicines made from botanical ingredients
  • Other products supporting the structure or function of the body

IPP also has a long history of working with small businesses. Suppose your merchants get rejected or shut down by other credit card processors. We will recover your merchant accounts within 24 to 48 hours.

Restricted Nutraceutical List

Raspberry Ketones and African Mango are the two nutraceutical products we do not work with right now because of their regality. Therefore, we cannot provide credit card processing services for these products.

Nutraceutical Merchant Account Fees

Each nutraceutical merchant account is different. We charge the fees differently based on several factors: merchant processing history, industry type (low or high risk), projected sales volume, etc. However, we commit to provide the lowest rate to your merchant account. The overall fees include:

  • Transaction fee
  • Merchant account fee
  • Discount rate
  • Monthly statement fee
  • Merchant account registration fee
  • Chargeback fee
  • Refund fee


137 Johnson Ferry Rd

Ste 2220, Marietta, GA 30068

Mobile: +1 770-690-8369

Working hours:

Monday-Friday: 9:00 – 18:00

Saturday: Closed

Sunday: Closed

HELLO Merchants!

We should be your first contact point for any issues at any time that you may be having with your processing. That includes technology, your particular industry process handling, any question at all. Please contact us at your convenience.