Payment Processing for Dietary Supplement & Wellness Companies

The nutraceutical industry represents a $180+ billion global market, yet dietary supplement companies face significant challenges in securing stable payment processing. From FDA regulations and health claim restrictions to subscription billing complexities and international expansion needs, nutraceutical businesses require specialized merchant services that understand both the opportunities and responsibilities of the wellness industry. KeraPay provides comprehensive payment solutions designed specifically for supplement manufacturers, distributors, and direct-to-consumer brands.

Why Nutraceuticals Are Considered High-Risk

Despite operating legitimate businesses with quality products, nutraceutical companies face high-risk classification from payment processors due to several industry-specific factors:

Regulatory Complexity: FDA oversight, FTC advertising rules, and varying international regulations
Subscription Models: High percentage of continuity billing with associated chargeback risks
Health Expectations: Customer disputes when products don't meet health improvement expectations
Marketing Restrictions: Limited ability to make health claims affects customer education
Ingredient Concerns: Liability issues with novel ingredients or formulation changes
Market Competition: Aggressive marketing tactics by some players affect industry reputation

FDA Compliance and Payment Processing

Successful nutraceutical payment processing requires strict adherence to FDA regulations:

Good Manufacturing Practices (cGMP)

Documentation of 21 CFR Part 111 compliance
Third-party facility audits and certifications
Batch records and quality control procedures
Adverse event reporting systems
Product recall procedures and insurance

Label Compliance Requirements

Supplement Facts panel accuracy
Required FDA disclaimer statements
Proper structure/function claims
Allergen declarations and warnings
Country-specific labeling for international sales

Mastering Subscription and Continuity Billing

Most successful nutraceutical brands rely on subscription models. Our platform excels at:

Trial Offer Management

Free Trial Processing: Secure card validation without initial charges
Low-Cost Trials: $4.95-$9.95 trial periods with clear conversion terms
Sample Packs: Travel-size products with automatic full-size enrollment
Risk-Free Guarantees: 30-60 day money-back periods with easy cancellation
Conversion Optimization: Smart retry logic for failed trial conversions

Customer Retention Tools

Billing Flexibility

Pause subscriptions for travel
Skip shipments without canceling
Adjust delivery frequencies
Change product selections
Modify order quantities

Retention Campaigns

Win-back offers for cancellations
Loyalty discounts for long-term customers
Referral bonuses and rewards
VIP tiers with exclusive benefits
Personalized retention messaging

Nutraceutical-Specific Chargeback Prevention

The supplement industry faces unique chargeback challenges. Our specialized approach includes:

Clear Terms Presentation

Multi-step checkout confirmation with highlighted subscription terms, billing amounts, and shipment schedules. Customers must actively acknowledge auto-ship enrollment before purchase.

Proactive Communication

Automated emails 3-5 days before rebilling with shipment details, easy modification links, and one-click pause options to prevent surprise charge disputes.

Enhanced Customer Service

24/7 support channels with trained representatives who can handle billing inquiries, product questions, and retention saves to resolve issues before they become chargebacks.

Product Categories We Support

Traditional Supplements

Vitamins and minerals
Herbal supplements
Probiotics and digestive aids
Omega-3 and fish oils
Joint support formulas
Immune system boosters

Performance Nutrition

Protein powders and bars
Pre-workout supplements
BCAAs and amino acids
Creatine products
Recovery formulas
Sports nutrition drinks

Weight Management

Metabolism boosters
Appetite suppressants
Meal replacement shakes
Detox and cleanse products
Keto supplements
Thermogenic formulas

Specialty Wellness

Nootropics and brain health
Beauty from within supplements
Sleep and relaxation aids
Men's and women's health
Anti-aging formulas
Pet supplements

Marketing Compliance and Payment Processing

FTC and FDA marketing regulations directly impact payment processing approval:

Acceptable Marketing Practices

Structure/function claims with proper disclaimers
Testimonials with typical results disclosures
Before/after photos with disclaimers
Scientific studies with proper context
Ingredient education and benefits
Lifestyle and wellness content

Red Flags to Avoid

Disease treatment or cure claims
Unsubstantiated weight loss promises
Fake celebrity endorsements
Misleading "free trial" offers
Hidden subscription terms
Aggressive negative option billing

International Expansion Support

Take your supplement brand global with our international payment capabilities:

Multi-Currency Processing

Accept payments in 135+ currencies
Local payment methods by country
Dynamic currency conversion options
Competitive foreign exchange rates
Settlement in your preferred currency

Regulatory Compliance by Region

European Union: GDPR compliance and VAT handling
Canada: Natural health product regulations
Australia: TGA compliance for supplements
United Kingdom: Post-Brexit requirements
Asia-Pacific: Country-specific import rules

Affiliate and Influencer Program Support

Many supplement brands rely on affiliate marketing. Our platform provides:

Commission Tracking: Real-time affiliate sales attribution
Multi-Tier Programs: Support for MLM and network marketing structures
Influencer Codes: Unique discount codes with automatic tracking
Split Payments: Automated commission disbursements
Performance Analytics: Detailed reporting by affiliate source
Fraud Detection: Identify suspicious affiliate activity

Quality Assurance Documentation

Maintaining comprehensive quality documentation helps with payment processor approval:

Third-Party Testing

Certificates of Analysis (COA) for every batch, including potency, purity, contaminants, and microbiological testing from accredited laboratories.

Manufacturing Certifications

NSF, USP, or other third-party GMP certifications demonstrating adherence to quality manufacturing standards and regular facility audits.

Insurance Coverage

Product liability insurance with adequate coverage for potential claims, including recall insurance and professional liability protection.

Customer Data and Analytics

Leverage payment data to optimize your supplement business:

Lifetime Value Analysis: Track customer profitability over time
Cohort Performance: Compare acquisition channels and campaigns
Churn Prediction: Identify at-risk subscribers before cancellation
Product Performance: Sales velocity and return rates by SKU
Geographic Insights: Market penetration and opportunity analysis
Subscription Metrics: MRR, churn rate, and retention curves

Integration with E-Commerce Platforms

Seamless integration with popular supplement selling platforms:

Shopping Carts

Shopify Plus
WooCommerce
BigCommerce
Magento
Custom cart solutions

Subscription Platforms

ReCharge
Bold Subscriptions
Ordergroove
Recurly
Custom recurring billing

Pricing for Nutraceutical Merchants

Transparent pricing tailored to supplement industry needs:

Processing Rates: 3.9% - 4.9% + $0.30 per transaction
Subscription Billing: Additional 0.5% for recurring transactions
Chargeback Fee: $25 per occurrence
Monthly Fee: $25-$100 based on volume
Setup Fee: Waived for qualified merchants
Rolling Reserve: 10% for 6 months (negotiable)

Why Choose KeraPay for Nutraceutical Processing?

KeraPay understands the unique needs of dietary supplement companies:

Industry Expertise: Deep understanding of FDA regulations and compliance
Subscription Specialists: Advanced tools for continuity programs
Stability: Long-term banking relationships for account stability
Growth Support: Scale from startup to enterprise seamlessly
Chargeback Defense: Expert team to fight subscription disputes
Global Reach: International expansion capabilities

Partner in Your Success

We believe in the positive impact of quality nutritional supplements on health and wellness. Our payment processing solutions are designed to help legitimate nutraceutical companies thrive while maintaining the highest standards of compliance and customer service. Let us handle the complexities of payment processing so you can focus on developing innovative products that improve lives.

Nutraceutical Payment Processing

Industry Challenges We Solve