Skip to content
Home » Solutions » Nutraceutical Payment Processing

Nutraceutical Payment Processing

Finding a merchant account for your nutraceutical business can be a challenge. Nutraceuticals are considered a high-risk industry, which makes it more difficult to get merchant services at an affordable price. Merchant Marketing Services can help your business grow by providing merchant services at competitive rates.

What are Nutraceuticals?

The term “nutraceuticals” refers to a wide range of products, including dietary supplements, nutrients, and herbal products. Consumers use these products to enhance their health, beauty, energy, sex drive, skin, hair, and more. It’s a multi-trillion-dollar industry that continues to grow each year.

Many nutraceutical businesses are global brands that sell their products all over the world. Since it is a largely online business, a consumer can purchase their products from anywhere. This convenience for the customer has both pros and cons for the merchant. The ability to sell to consumers globally is a huge advantage in any industry. However, overseas transactions and shipping also comes with a set of risks and additional fees. If you want to sell globally, we’re here to walk you through the risks and rewards associated with it.

Unfortunately, nutraceutical merchant accounts are generally not considered to be a low risk merchant account, instead usually higher risk. Most merchant account providers will not accept nutra merchant account applicants or any type of rebilling payment business model, which is very prevalent in the industry. For this reason, most nutraceutical companies have to utilize the services of alternative high-risk nutraceutical merchant systems.

Why is a Nutraceutical Merchant Account High Risk?

Nutraceutical businesses are considered high risk due to the nature of the industry. There is a lack of regulatory control over the products in this industry. Many businesses in this industry also offer subscription billing for consumers to receive a steady supply of their products. This combination of factors can lead to an increased risk of chargebacks for a business.

High-risk merchants generally put the banks at greater risk of loss from credit card transactions. As a result, banks charge higher fees for processing transactions, regardless of who your processor is. However, not all processors are created equally. You should compare a few different providers before making your selection.

High-risk classification doesn’t mean that a merchant can’t obtain banking services, though. It just means that their services might be a little more expensive than a low-risk merchant. Merchant Marketing Services offers a variety of credit card and other nutraceutical payment processing services.

High Risk Merchant Services from MMS

If you’re in need of a nutraceutical payment processing service and you’re shopping around for a merchant service provider, it’s important to consider all aspects of the relationship. This includes the features, benefits, pros, and cons of doing business with a particular provider. Here are some of the key benefits we can offer.

Affordable Rates – We believe that merchants should have access to great rates regardless of their industry. We offer competitive rates and a consultation with our experts who can explain the rates to you and let you compare them with other payment providers.

Fraud Protection Tools – Part of doing business is the responsibility to protect your consumers’ data. Our services include fraud protection tools that will help keep your data safe from cybercriminals.

PCI Compliance – All of our payment solutions are PCI compliant, helping your business avoid risk.

Multi-Channel Payments – The majority of our products include multi-channel payments. This allows you to accept payments online or through mobile apps.

If you have a brick-and-mortar store, we can provide services for that, as well. We offer single payments and subscription billing along with a variety of payment types for you to choose from.

Decreased Chargebacks – We are experts in providing services to high-risk merchants. As a result, we have a robust system of prevention and mitigation for chargebacks. We can help you identify and even prevent some chargebacks from happening.

Easy Account Setup – Our application process is simple and transparent. When you’re ready to apply, we’re ready to help your business.

Available High-Risk Nutraceutical Payment Processing Services

Generally speaking, the more payment methods you offer, the larger your consumer base could be. For example, if you only accept credit card payments, you exclude all the customers who don’t have credit cards. This can limit your business and your ability to grow.

Some payment types to consider include:

  • Credit/Debit Cards
  • ACH
  • eCheck
  • Crypto
  • Other virtual payment types

Credit/Debit Cards

These payments are often more expensive for the merchant than other types, but they are the most convenient for consumers. If you own a business today, accepting card payments is a must.


The American Clearing House (ACH) offers a type of payment that is 100% electronic but does not involve a credit or debit card. These transactions require a bank account number and routing number to process. They are the equivalent of direct deposit and direct debit in your bank account.


Electronic check payments are similar to ACH in that the customer needs to enter a bank account and routing number. Check Processing is designed to replace the use of paper checks, but transactions are processed in the same way. However, they take a lot less time than paper check payments and are more secure.


Crypto is growing in popularity as a payment option for businesses. As more and more consumers become comfortable using crypto, savvy businesses are adding it to their available options. This requires a virtual wallet that can hold a variety of crypto types, which gives your customer several different options to pay for goods and services.


Other payment types that are common among nutraceutical merchants include PayPal, Apple Pay, Google Pay, and other similar platforms. As a business owner, it’s up to you which ones you’d like to offer.

We recommend offering a variety of payment options to your customers. Doing so will make your business more attractive to people with different payment preferences. If you have specific questions about the types of payments and how they’re processed, give us a call! Our team of experts is happy to discuss them with you.

How important is credit card processing?

Nutraceuticals are one of those products that carry more risk when accepting credit card payments. Nutraceutical merchants are familiar with many of the problems and know that they will have high fees when applying for merchant accounts.

How to Apply for Nutra Merchant Account?

Applying for an account is easy. Simply click on the “Apply Now” button and fill out the short form. One of our experts will be in touch with you to discuss your business and goals. We will provide information about the various credit card and payment services we can offer direct or through an affiliate. We will answer any questions or concerns you may have with any of our merchant accounts.

Once you decide we’re the right fit for you, we’ll have some online forms for you to complete. The whole process can be completed in as little as 48 hours between application to processing payments. That timeframe can vary based on your business and your credit history.