Nutraceutical payment processing that survives the trial-to-continuity model.

Nutraceuticals — supplements, nootropics, weight-loss, testosterone support — carry the highest baseline chargeback ratio of any e-commerce vertical (~1.2% before mitigation) and one of the tightest regulatory surfaces. Standard subscription processors decline nutra on sight because they can't price the risk. VenderaPay places nutra merchants with acquirers that underwrite the free-trial mechanic, the ingredient claim surface, and the FTC negative-option billing rules that make or break the vertical.

Sub-categories we underwrite

The continuity billing question

Free-trial-to-continuity is the offer that built the nutra industry — and the offer that gets 90% of nutra merchants terminated. It's not the model itself acquirers refuse; it's non-compliant execution. Underwriting will place your continuity offer if it meets five conditions:

1. Clear pre-checkout disclosure. The full subscription terms (billing frequency, amount, cancellation method) appear on the checkout page above the buy button — not buried in a footer or a modal.
2. One-click cancellation. US FTC ROSCA rule and the 2024 Click-to-Cancel expansion require that cancellation be at least as easy as sign-up. No phone-only cancellation flows.
3. Pre-billing notice. Email or SMS reminder 3–7 days before the trial converts to a paid rebill, with a one-click cancel link.
4. TCPA-compliant marketing. Any SMS marketing needs express written consent. Any email needs CAN-SPAM compliance with an unsubscribe link.
5. Refund policy on-page. Visa VIRP requires the refund policy to be visible pre-checkout. "All sales final" is not compatible with continuity offers.

Ingredient claim compliance

The FDA distinguishes between two kinds of claims on nutraceutical products:

Underwriting reviews product labels, sales-page copy, and email sequences for disease claims. One disease claim in an email autoresponder can void the underwriting even if the product page is clean.

Documentation checklist

• Incorporation certificate and government ID for beneficial owners ≥25%
• 3 months of processing statements (or plausible forecast if new)
• Certificate of Analysis (COA) per SKU from an ISO/IEC 17025 lab
• Ingredient list with source-of-supply documentation
• FDA facility registration (US manufacturing) or equivalent (EU: FBO/RASFF)
• GMP audit certificate from a recognised body (NSF, USP, NPA)
• Product labels: front, back, supplement facts panel
• Website URL with visible terms, refund policy, and pre-checkout disclosures
• Sample email autoresponder sequence for compliance review

Rates and terms

FAQ — Nutraceutical processing