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Nutraceutical Merchant Accounts

Our Top Picks for The Best Credit Card Processing for Nutraceutical Companies

  1. Easy Pay Direct
  2. Helcim
  3. eMerchantBroker
  4. PaymentCloud
  5. Dharma Merchant Services

1. Easy Pay Direct

Nutraceutical companies are labeled as high risk to credit card processing companies due to the nature of the business. Easy Pay Direct works well with high risk companies. They will go above and beyond to learn about your business in order to deliver all of the services you need for credit card processing. EPD makes choosing a credit card processor easy. Regardless of the type of supplement you are looking to sell, Easy Pay Direct has the capability to assess individual inquiries and determine how best to help you with your business.

2. Helcim

Helcim has a sophisticated product and inventory manager that simplifies and expedites the process. With Helcim you can feel good about the payments you make and receive. They offer amazing customer service whenever you may have issues or questions. Helcim also offers 100% transparent pricing with absolutely no hidden fees. The more transactions you process with Helcim, the more money you will receive in the future.

3. eMerchantBroker

EMB specializes in working with high risk merchant accounts. They take the time to help you through the application process to make sure you get set up with a merchant processor that's right for your business. EMB can get you approved for a high risk account in 24-48 hours which almost seems too good to be true. They do everything they can in order to stay ahead of their competitors with their prices. If your business has unique needs, EMB is the unique solution.

4. PaymentCloud

PaymentCloud specializes in working with all types of industries across the board such as low, medium, and high risk businesses. They can provide your high risk business with protection against chargebacks and fraud. As an already determined high risk merchant account, your business is already at an increased risk for those issues. PaymentCloud can help you with nutraceutical credit card processing and get the tools, security, and support you need.

5. Dharma Merchant Services

Dharma offers great rates and exceptional customer service. When signing up with Dharma you won't have to worry about any contracts or hidden fees. They offer 24 hour priority funding along with their 24 hour exceptional customer service. Dharma passes 100% of credit card processing fees to credit card paying customers. Dharma believes that business can be a force for good.

Indeed, according to the Council for Responsible Nutrition, roughly 80% of Americans take some kind of supplement. This percentage, like the number of supplement companies, has grown in recent years. Credit card processing capabilities are critical for this industry's business owners because they frequently rely on eCommerce as their primary source of sales.

Why Do I Need Credit Card Processing for Nutraceutical Sales?

In the United States, credit and debit cards are still widely used. You must work with a payment processor if you want to accept these forms of payment as a business. Individuals working for a credit card processor can help your company accept the following:

  • Contactless and digital wallet payments
  • Major credit cards including American Express, Visa, Discover and Mastercard
  • Gift card and loyalty programs
  • ACH payments and eChecks

Many payment processors are hesitant to work with businesses in the nutraceutical industry because they perceive it to be a risky venture. Several processors work with nutraceutical companies to help them reduce risk.

Why is the Nutraceutical Industry Considered High Risk?

Each credit card processing company has its own set of rules for determining whether or not a company is high risk. The following are some examples:

  • Type of industry
  • Businesses with poor credit history
  • High percentage of chargebacks
  • Exclusively online business

Nutraceuticals are not regulated by the federal government in the United States, but there are some restrictions. To make matters worse, businesses may make false claims about their products, leading to lawsuits. If a supplement or vitamin fails to perform as expected, the customer may request a refund, which may lead to a charge dispute.

These businesses are high risk due to the high volume of chargebacks and the high risk of being sued. A payment processor may charge a higher rate on riskier accounts to avoid losing money. Furthermore, the government may have special regulations or programs in place for high-risk businesses.

Things to Consider When Choosing a Credit Card Processor

Since there are many payment processors to choose from, it can feel overwhelming to decide on which provider to use. By considering these factors, you can feel confident that you are choosing a credit card processor that will meet your needs while also providing your business with a good value. 

Rates and Fees

As previously stated, if a company is deemed high risk, it will pay a higher fee for payment processing than other companies. There are numerous payment methods available, with each processor charging a different rate and fee. Individuals who are interested in price comparison should be aware of the following:

  • Chargeback fees: Customers must contact their credit card company and explain why they do not wish to pay for an item they purchased to avoid being charged back. This fee is usually assessed per incident and can be quite high. Furthermore, some processors may levy a surcharge if a certain number of chargebacks occur in a given time period.
  • Monthly service fees: Monthly service fees are more likely if your business is high-risk. These fees are typically assessed once a month. They can differ significantly between processors.
  • Cancellation/termination fees: If you are dissatisfied with your processor, you should be able to switch. Those who process a lot of high-risk items, on the other hand, have long-term agreements, and you'll want to know how much it will cost to change.

It is critical to understand that card networks set interchange fees, and payment processors have no control over the amount of these fees. Each card network has its own set of interchange fees. These fees may differ depending on the type of transaction, such as whether or not a person brings their credit card with them.

Interchange fees will be charged in the same manner by any processor you choose. Individuals should compare transaction fees, which are the costs of purchasing and selling items. These are set by the card processors and will differ from one company to the next.

Typically, these are percentages added to each transaction, but each one also includes a small flat fee. There are numerous costs associated with money processing, so make sure to account for all of them.

eCommerce Options

If you haven't already established a digital presence for your nutraceutical company, you might want to look for a processor that includes online selling tools. Many credit card processors provide software and apps to help your business with tasks other than payment processing.

They can help you manage your inventory, create sales reports, and even set up customer accounts. Card processing fees include an added value that gives you more control over your business. Allowing customers to create their own accounts is a good idea because it allows them to view previous purchases and even set up recurring orders, both of which can be very useful.

Many people use auto-ship features to ensure that they never run out of their favorite supplements. This is due to the fact that supplements are meant to be used on a regular basis. Even if you already have an online store, you may find that the processor offers a better option and that you can migrate your business to their platform.

Most processors allow you to test the software before purchasing it, allowing you to ensure that it is suitable for your needs.


As more transactions are conducted online, cybercrime is becoming more dangerous. Paying for items online is extremely risky, so you should select a payment processor that employs a variety of security measures to protect your information.

The Payment Card Industry Security Council updates its best practices guidelines every year. These standards are designed to ensure payment security in the payment processing industry.

Businesses and payment processors must follow these guidelines or face additional penalties. Choose a payment processor who is familiar with and has put these standards in place. This is known as PCI Compliance. That's exactly what it means. Individuals who process credit cards are required to perform the following duties:

  • Having an internal security policy for employees and contractors
  • Maintaining a secure network
  • Encrypting cardholder data

More information on PCI Compliance can be found here. 

Additional Tips and Considerations


Numerous nutraceutical companies only sell their products online. If you have a physical store, you'll need to think about the hardware needed to accept payments. Business owners have a plethora of options at their disposal. You might want to buy or rent a card reader terminal so that your customers can swipe their cards when making in-person purchases.

It is less expensive to process cards this way because physical card transactions are considered less risky. A card reader also simplifies the process of swiping or "dipping" a chip into it. This will save your staff time in the long run.

Consider adding a barcode scanner to your computer system as an option for quickly looking up product information when you buy something. Credit card point-of-sale machines that look like traditional registers and include a secure cash drawer are available. More features obviously cost more money, so think about what you want and need.

Customer Service

When a company decides to implement a new system or practice, it must first learn how to use it. Your processor should be able to tell you how long it will take to set up and boot your system. Determine what resources are available and how long the process will take if you or your employees require training. If your company runs into a problem after the initial installation, you'll want to be able to get help quickly.

Select a payment processor who will help you in times of need. While many credit card processors provide live customer service 24 hours a day, others may only be available during regular business hours. Consider how the service can be accessed as well.

Customers who require assistance may be able to contact a company via phone or email. Other companies have live chat modules on their websites. This is not always taken into account when businesses choose a payment processor, but when a problem arises, time is of the essence in attempting to resolve it.

Experience is Key

When choosing a payment processor, make sure they have experience working with businesses like yours. Easy Pay Direct provides a service called load balancing. This is a work in progress when a company has multiple credit card processing accounts. The credit card company can spread the risk associated with your transactions across multiple accounts as a result of this.

As a result, no single account is exposed to excessive risk. eMerchant Broker provides programs to help businesses resolve chargeback disputes.

Working with a processor who understands how to reduce chargeback risk will save your company time and money. Helcim provides a robust eCommerce platform with Card Vault technology to protect your customers' information. They also include a customer relationship manager (CRM) to assist you in getting the most out of your customer management.

Assuring that the person you hire to process payments is experienced allows you to work with someone who can help your company choose the best payment processing options.

Reputation is Everything

When working with a payment processor, you may encounter employees who are impolite or unclean. When choosing a card processor, make sure they have a good reputation in the industry. Perform a quick search for company reviews to see if any red flags emerge.

Additionally, check the Better Business Bureau to see if the processor has received any complaints recently or in the past.

When the BBB inquires about the history of a card processor, they can also provide information on how long the processor has been in business. Working with a new company may be riskier than working with one that is well-established. The extra effort may assist you in avoiding selecting a processor with a poor track record. 

Final Thoughts

The nutraceutical industry has had a successful year, and there are more online retailers now. These businesses are generally regarded as risky, which is why the vast majority of payment processors avoid them.

There are numerous qualified and experienced processors to choose from. We recommend that you carefully review all of the credit card processing rates and fees.

Check that the people who handle your money are up front about their fees. Check to see if each payment processor has any additional features that can help your business. To be safe, choose a processor that is PCI-compliant and will help you follow the rules.

If you have a physical location, you'll most likely need additional hardware to help you run your business, such as a card reader, barcode scanner, or cash drawer. The first step is to determine what tools and equipment you will need.

Finally, choose a processor who responds quickly when you need help, has extensive experience in the field, and has a good reputation in the industry. Once you've found a card processor who meets your needs and provides value-added services, you should be able to establish a long-term relationship with them.

Making the right decision now will save you a lot of time and trouble later on.

Take a look at the following suggestions for the best credit card processors for nutraceuticals:

  1. Easy Pay Direct
  2. Helcim
  3. eMerchantBroker
  4. PaymentCloud
  5. Dharma Merchant Services

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