Subscription and continuity billing is one of the most common reasons supplement brands are flagged as high risk. The right acquirer and the right checkout set-up make the difference.
Supplement brands that sell on subscription are often classed as high risk because continuity billing, free trials and health claims drive chargebacks. Specialist acquirers do approve nutra subscription merchants that follow card scheme rules on trials and recurring billing, disclose terms clearly and keep disputes low. We introduce supplement brands to acquirers that approve the model and help you prepare a checkout and website that pass review.
Customers who forget a subscription or a trial often dispute the charge, pushing ratios towards card scheme thresholds.
Card schemes have specific rules on free trials and recurring billing, including clear disclosure and reminders.
Unauthorised health claims on product pages are a common reason for declines and closures.
We match supplement brands with acquirers that approve subscription models, and prepare the application to pass review.
Card acquiring for subscriptionsAcquirers with current appetite for continuity and recurring billing.
Checkout and terms reviewSubscription terms, trial disclosures and cancellation flow checked against acquirer expectations.
Chargeback controlsClear descriptors, reminders and refund handling that keep dispute ratios down.
Backup acquiringA second route so one review does not stop all recurring revenue.
Providers move fastest when the file is complete on day one. Have these ready before you apply.
Company documentsCertificate of incorporation, registered address and a short description of what you sell and to whom.
Ownership and IDPassport or ID and proof of address for every owner with 25% or more, and for directors.
Processing historyYour last 3 to 6 months of processing statements, if you have them, including chargeback and refund levels.
Bank statementsRecent business bank statements showing how money moves in and out of the business.
A compliant websiteFull company details, terms, refund and shipping policies, and accurate product descriptions.
Volumes and flowsExpected monthly volume, average transaction size, main customer countries and settlement currency.
Subscription termsYour trial and subscription terms, cancellation flow, and chargeback and refund ratios.
Full list by sector: high-risk merchant documents checklist →
A supplement brand's processor closed it after chargebacks on a trial offer rose.
A one-off sales brand wants to move customers onto monthly subscriptions.
A growing brand runs all recurring billing through one processor.
Recurring billing, free trials and health claims all increase disputes. Acquirers classify the model by chargeback risk, not by whether the products are legal.
Yes, if you follow card scheme rules on trials and recurring billing, including clear disclosure and reminders before charging. Your acquirer will check your flow.
Card schemes monitor dispute ratios, and staying well below 1% is a common target. Your acquirer will set its own thresholds.
Clear subscription and cancellation terms, accurate product descriptions without unauthorised health claims, and full company details and policies.
Yes. Many subscription brands use two routes so one review does not stop all recurring revenue.
Give us the detail upfront (volume, set-up, what has been declined) and we can check provider appetite before we speak. We will assess whether there is a suitable provider match and come back to you directly. No obligation, no hard sell.
Have a client in this sector?If you're an EMI, MSB, payment consultant, or adviser with clients in this space you can't service directly, we have a structured introducer arrangement.