The 7 Best Nutraceutical Merchant Account Providers in 2025

Projected to reach over $1 trillion in revenue by the mid-2030s, the demand for nutritional supplements has never been higher. The issue? It’s anything but easy to get approved for a merchant account as a nutraceutical business.

Most traditional processors and sponsoring banks either:

• Deny these applicants upfront because they’re too “high-risk”
• Approve nutra merchants fast, but later hit them with extremely high surprise fees

Obtaining a merchant account from a standard provider might feel like a win at first, but it usually always comes with inconvenient payment disruptions, frozen funds, or full-on account closures.

That’s because the nutraceutical industry is prone to issues like subscriber remorse, pushback on exaggerated health and wellness claims, and higher-than-average chargeback rates, to name a few.

If your nutra business has been rejected several times or shut down by platforms like Stripe and PayPal, it’s time to switch to a specialized merchant account provider.

Below, our experts share the seven best nutraceutical merchant account providers for 2025, highlighting key features such as approval rates, chargeback mitigation, fee structure, compliance, integration capabilities, customer reviews, and more.

1. Adaptiv Payments

Adaptiv Payments Logo

Credit: Adaptiv Payments

Since innovation is our specialty, we saved the best for first (instead of last). We at Adaptiv Payments aren’t just high-risk merchant account experts. We’re nutraceutical experts. Our team is packed with people who live and breathe supplements, consistently tracking every new ingredient, labeling requirement, FDA regulation, state-based rule, and marketing tactic to help our nutra merchants thrive.

Adaptiv also proudly accepts all major credit and debit cards, ACH transfers, and the digital wallets that many health-focused buyers love. And since we believe in treating our clients like partners, our dedicated representatives take the time to know every nutra merchant’s story, uncover what makes their brand special, understand their sales channels, and support their growth goals.

Key Features:

• Extensive high-risk expertise
• Most applications are reviewed in 24 to 48 hours
• No hidden fees
• Advanced chargeback protection and mitigation
• Live representatives treat every merchant like a true partner
• Wide array of payment options
• Robust security measures and 24/7 fraud detection tools
• Regulation success team that helps merchants stay up to date on compliance

Main Drawbacks:

• Setup may take longer than plug-and-play processors due to customized underwriting
• Designed for established or scaling travel businesses, not micro-merchants
• Pricing may be higher for very low-volume or early-stage startups

2. eMerchantBroker (EMB)

eMerchant Broker Logo

Credit: eMerchant Broker

With over 10 years of experience helping nutraceutical merchants find success, eMerchantBroker (EMB) has a proven track record of getting high-risk businesses up and running fast. Applicants can typically get approved for a merchant account in less than 48 hours. From there, EMB promises to connect merchants with reliable payment solutions in as little as 2 days after approval.

According to customer reviews, EMB welcomes merchants whose applications have been denied by multiple other providers. As high-risk merchant experts, the team at eMerchantBroker offers a unique credit card processing platform built specifically to support these businesses and prevent operational hurdles.

Key Features:

• Integrates with all ecommerce platforms
• No application fees
• 95% approval rate
• Secure, compliant gateway options
• Chargeback protection and dispute resolution
• 24/7 customer support team

Main Drawbacks:

• Guidelines for the underwriting process are unclear
• May ask for additional documents before approval
• Lack of upfront pricing disclosure (users report more expensive fees than other high-risk providers)
• Requires long-term contracts with high early termination costs

3. Payment Cloud

Payment Cloud Logo

Credit: Payment Cloud

Renowned for its stellar customer service, Payment Cloud takes a personalized approach to helping high-risk merchants secure and maintain robust payment solutions. Not only do its representatives assist nutraceutical companies during the application process, but they also provide ongoing operational and compliance support long after onboarding.

From startups to established brands, Payment Cloud welcomes all types of supplement businesses, including weight loss products, dietary supplements, vitamins, protein powders, energy drinks, and more.

By partnering with a wide range of supporting banks and processors, Payment Cloud drastically increases a merchant’s chances of approval and ongoing stability, making it a lifeline for previously (and repeatedly) denied merchants.

Key Features:

• Accepts online, retail, and Mail Order/ Telephone Order (MOTO) merchant accounts
• Zero application or account setup fees
• Accepts high-risk merchants with bad credit
• Great option for smaller businesses
• Partners with multiple banks and processors
• Advanced chargeback protection and monitoring tools
• Dedicated account managers assist with approval and onboarding processes (plus fast response times)

Main Drawbacks:

• No offshore accounts
• Pricing isn’t disclosed upfront
• Terms and conditions aren’t publicly available
• Some services may require negotiation

4. Finix Payments

Finix Payments Logo

Credit: Finix Payments

The mission at Finix is clear: empower every business to own and optimize its payment experience. Achieving this means providing the most advanced and flexible payment technology while removing any technical, regulatory, and compliance obstacles from the equation.

With a highly intuitive dashboard, recurring billing support, risk management, and built-in compliance measures, Finix’s all-in-one platform helps nutraceutical companies worry less about payments and focus more on growth.

Finix onboards high-risk merchants selling cosmeceuticals, herbal supplements, sports nutrition products, and other wellness-related products. This provider also accepts all major payment methods and sends merchants to market fast with low-code, no-code, and developer-friendly solutions.

Key Features:

• Provides easy invoicing and payment processing
• Platform dashboard has an excellent, easy-to-navigate user interface (UI)
• Fast, easy onboarding process
• Competitive subscription-based pricing model
• Smooth, flexible integration with existing platforms
• Offers around-the-clock emergency support
• Advanced fraud detection and embedded compliance
• Supports online and in-person payments

Main Drawbacks:

• Custom pricing may be required for high-volume and higher-risk businesses
• Not yet compatible with EU-based operations
• Follows a monthly (instead of daily) payout schedule
• Some users complain about ongoing unresolved issues and poor communication from customer support representatives
• Some users report complexities with fraud management

5. DigiPay Solutions

DigiPay Solutions Logo

Credit: DigiPay Solutions

DigiPay Solutions is designed for nutraceutical brands that need stable, compliant payment processing in a high-risk space. With a deep bench of global banking partners and hands-on payment experts, DigiPay helps nutra merchants launch, operate, and scale without disruption.

From trial offers to straight sales, their in-house team of underwriters and risk managers understands the compliance, risk, and card network requirements unique to the nutraceutical industry. They commit wholly to presenting nutra businesses in the best possible light to banks and processors, so merchants can process payments securely, protect revenue, and grow confidently.

Key Features:

• Offers free consultations to potential merchants
• Closely monitors chargeback and refund ratios (and responds quickly to spikes in activity)
• Secure payment gateways (PCI-compliant)
• Assists merchants in creating a seamless checkout experience
• Thousands of happy customers
• Specializes in supporting high-risk merchants
• International processing available

Main Drawbacks:

• Mixed reviews about the professionalism and helpfulness of the staff
• Custom pricing model; fees determined upon completion of the underwriting process
• The approval process generally takes much longer than with other high-risk merchant account providers

6. Easy Pay Direct

EasyPayDirect Logo

Credit: EasyPayDirect

From its 2009 conception, Easy Pay Direct was engineered to make merchants’ lives easier. That starts with being able to confidently process payments. With a staff that’s ready to help, technology that’s intuitive and clean-cut, and a system that accepts multiple payment methods, this provider checks plenty of important boxes for nutraceutical entrepreneurs.

The most important one? Easy Pay Direct employs a thorough underwriting process to not only understand a nutra merchant’s business and marketing model but to match them with the best banking partner possible. Both benefits greatly lower the likelihood that these high-risk merchants will face any issues.

Key Features:

• Approves hard-to-place and previously shut-down merchants
• Excellent customer service team, according to reviews
• One dedicated point of contact who responds promptly
• Access to fraud protection services
• Recurring billing support and mobile payment compatibility
• 250+ integrations

Main Drawbacks:

• Can be pricier for high-risk merchants
• An extensive underwriting process can mean longer approval and onboarding wait times
• Early termination fees
• Some users report unresolved subscription-based processing issues
• Some users report sudden account freezes or closures

7. Pay Kings

PayKings Logo

Credit: PayKings

For nutra businesses seeking to deploy quickly and avoid sales disruptions, Pay Kings stands out as a great payment partner with over 15 years of high-risk experience. Customers rave about this provider’s professionalism, extremely helpful staff, and swift approval process.

Pay Kings also supports both online and in-person payments, processes multiple payment types (e.g., ACH, e-check), and seamlessly integrates with a merchant’s existing tools and platforms.

Key Features:

• Fast and easy application, plus quick approval for eligible nutra merchants
• 20+ strong banking relationships
• Dedicated account managers
• Chargeback mitigation and fraud detection tools
• Recurring billing options
• Supports B2B nutraceutical and supplement vendors

Main Drawbacks:

• Charges an additional monthly fee for add-ons
• Doesn’t support cross-border currency transactions
• Typically requires supporting evidence for any health-related claims (e.g., clinical trials, ingredient certifications)
• Early account termination fees

FAQs About Nutraceutical Merchant Accounts

Final Thoughts: Selecting the Right Payment Partner for Your Nutraceutical Business

Mini shopping cart filled with nutraceuticals sitting on top of a laptop

Credit: Adaptiv Payments

Whether you’re operating a supplement startup or an established wellness brand, partnering with a reliable provider can mean the difference between stressing about payments and growing your business.

As you explore your options, here’s our number one piece of advice: Always read the fine print before signing any contracts! Make sure you understand exactly how fees work, when payouts occur, how easy integration will be, how the provider handles compliance requirements, and whether they’re equipped to support high volumes or high-risk issues (e.g., fraud, chargebacks).

With Adaptiv Payments, you’ll gain a team of nutra and high-risk experts committed to your success and peace of mind. Plus, our approval process is simple.

Fill out an application online and submit your documents, then get approved and matched to the best payment solution for your business. Finally, set up your account and start processing payments!

Being high-risk doesn’t mean you can’t also be high-reward. Apply for a nutraceutical merchant account with Adaptiv today, and see what it’s like to have a payment partner who always goes the extra mile.