Why supplement chargebacks get accounts terminated.
Supplement and nutraceutical processing is high-risk for two reasons: chargeback volatility and FTC scrutiny. Continuity billing models (free trials, monthly subscriptions, recurring deliveries) generate higher chargeback ratios than one-time retail purchases. Health and wellness claims attract regulatory attention from the FTC and FDA. Both factors make most retail acquirers reluctant to board the category.
The most common supplement processing failure pattern: get approved on a mainstream processor for a 'simple supplement business,' grow into a continuity model, see chargebacks climb during scaling, get terminated, lose months of subscription revenue. We've onboarded dozens of operators who've been through exactly this cycle.
Payment Gurus boards supplement accounts with high-risk acquirers experienced in nutraceuticals — combined with chargeback mitigation infrastructure, FTC-compliant copy review, and proper continuity-billing disclosure to keep ratios sustainable.