Nutraceutical and Supplement Merchant Accounts: Providers Compared
Supplement and nutraceutical sellers are classed high-risk because of product claims, subscription billing and dispute rates. Of 10 operating providers we checked, 5 publish a card rate and 3 publish a rolling reserve range; Durango publishes a full set of typical ranges for supplement merchants. Expect label and claims review, and possibly a reserve.
How do supplement merchant account providers compare?
5 of 10 operating providers publish a card rate; Durango is the only one publishing supplement-specific ranges.
Disclosure: Best Payment Providers has a business connection with Bankful and EMB, listed first below. Details
| Provider | Published card rate | Rolling reserve | Accepts supplements | Markets | Status | Next step |
|---|---|---|---|---|---|---|
| Bankful Listed first | Not publishedGateway plans from $0/mo listed separately on its pricing page | Not published | ✓ Lists nutraceuticals; eligibility set at underwriting | Not published | Operating | ApplyPricing page |
| EMB (eMerchantBroker) Listed first | Not publishedNo application fee (own claim) | Not published | ✓ Nutraceutical page | Not published | Operating | Visit EMBIndustry page |
| Durango Merchant Services | 1.95%–4.95% interchange-plus; $0.15–$0.25 per authorization; no application fee; $5,000 minimum processing (US), $50,000 (international); “ranges, not quotes” | Often 5–10%, usually held 90–180 days | ✓ Supplements & nutraceuticals (dedicated page) | US accounts; international at $50,000+ | Operating | Supplement page |
| PayKings | Interchange + 1.10% + $0.25 up to $100k/month; no setup fee | Typically 6 months; % not published | ✓ Nutraceuticals; male enhancement listed separately | US-based merchants only | Operating | Industries page |
| Easy Pay Direct | 2.69% + $0.36; $99 setup (waived if documents sent in 24h); typically $25/month | Not published | ✓ Nutraceuticals & supplements | Not published | Operating | High-risk page |
| AlliedPay (Allied Payments) | “As low as” 1.79% + $0.15 + $10/month | Not published | ✓ Nutraceutical accounts | Not published | Operating | Fees page |
| Centrobill | Card 2.5%; crypto 0.5%; SEPA 1.0% (per-transaction fee not published) | Not published | ✓ Nutraceuticals | 100+ currencies; countries not named | Operating | Site |
| SoarPay | Interchange-plus; amounts Not published | Typically 5–10% of volume, reviewed every 60–90 days | ✓ Nutraceuticals & supplements | US-headquartered merchants only | Operating | FAQ |
| Adaptiv Payments | Not published | 5–10%, held 90 or 180 days by risk level | ✓ Supplements and wellness brands | Not published | Operating | Site |
| PaymentCloud | Not publishedNo setup fee (own claim) | Not published | ✓ Nutraceuticals & supplements | Not published | Operating | Site |
What to do if your processor dropped your supplement business
- Read the noticeNote the last processing date and what happens to funds already held.
- Pull your recordsDownload processing and bank statements now, while you have access.
- Check your claims and billingLabel claims, lab results, and how subscriptions and trials are disclosed at checkout.
- Apply to specialistsCompare published terms in the table above, then apply.
Will a provider accept your supplement business?
Product claims, billing model and chargeback history decide most applications.
- Strong fit Labels and lab results ready, clear refund and shipping policies, no free-trial or negative-option billing, a US-based business, and processing statements.
- Possible A new brand with no processing history, or subscription billing. Durango asks for label images with lab results and written policies; non-US businesses face higher minimums.
- Unlikely Disease or cure claims on labels, undisclosed trial-to-subscription billing, or a high chargeback rate.
A fit guide, not an approval. Each provider decides at underwriting.
Why are supplements high-risk for payment processors?
Claims, subscription billing and disputes drive the label, not the products themselves.
Bank partners also change their stance, which is why a processor that accepted supplements can stop supporting it.
What we found checking 10 supplement providers
Operating providers in the table above, from their own pages, checked November 6–8, 2026. How we check
How does getting a supplement merchant account work?
- ApplyBusiness details, products and website.
- Document reviewFormation documents, ID, bank statements, labels and lab results, website check.
- Underwriting decisionApprove, decline, or approve with conditions.
- Terms setRate, any reserve, payout timing.
- Go liveConnect your store and start taking payments.
Providers publish different timelines, and some contradict themselves, so we don’t list them. Ask for a timeline in writing.
What documents do you need to apply?
Durango’s published list for supplement merchants, with EMB’s overlapping items.
- Articles of incorporation or LLC certificate, plus the IRS EIN letterDurango lists them first.
- Owner photo IDBoth Durango and EMB ask for it.
- Three months of bank statementsBoth list it.
- Label images with lab resultsDurango asks for them; this is the claims review.
- Website screenshotsDurango asks for them; reviewers check claims and checkout disclosure.
- Written refund and shipping policiesDurango lists them.
- Processing statementsEMB asks for 3 months if you have them.
Questions supplement merchants ask
What does supplement payment processing cost?
Durango publishes 1.95%–4.95% interchange-plus plus $0.15–$0.25 per authorization as typical ranges. PayKings, Easy Pay Direct, AlliedPay and Centrobill publish general rates. The rest quote after review.
Can I sell supplements on a subscription?
Yes with a specialist provider, but disclose the terms at checkout. Square lists subscription and direct-marketing offers as unsupported, and Stripe prohibits negative-option billing.
Will I have a rolling reserve?
Durango says often 5–10% for 90–180 days; SoarPay and Adaptiv publish similar ranges. It can shrink as chargebacks stay low.
What documents do I need?
Formation documents and EIN letter, owner ID, bank statements, label images with lab results, site screenshots, and written refund and shipping policies. See the checklist above.
Is there a minimum?
Durango publishes a $5,000 minimum processing figure for US accounts and $50,000 for international, without stating the period. Others don’t publish one; ask before signing.
How long until I’m live?
Published timelines vary and some conflict, so ask for one in writing.
Bankful is a provider we have a business connection with.
Dropped by your processor, or launching a supplement brand? Bankful lists nutraceuticals among the industries it serves.