BoazPay places nutra merchants with acquirers experienced in supplements, free trials, recurring billing, and high-claim products — without the freezes that hit Stripe and Shopify Payments accounts.
No application fee · No setup fee · Decisions in 48–72 hours
Supplement labels and marketing must navigate FDA and FTC claim guidelines. Banks are cautious about the regulatory exposure that comes with aggressive health claims.
Continuity billing, auto-ship, and free trials drive elevated chargebacks when customers don't recognize the recurring charge or find cancellation difficult.
Aggressive affiliate marketing and landing-page-heavy funnels create compliance complexity and chargeback exposure that standard processors don't accommodate.
Health products that 'didn't work' generate chargebacks before they reach a refund queue — a pattern specific to nutra that most processors aren't equipped to defend.
| MCC | Description |
|---|---|
| 5122 | Drug Stores Wholesale |
| 5499 | Misc Food |
| 5912 | Drug Stores (most common for retail supplement brands) |
MCC assignment is at the acquiring bank's discretion. Your BoazPay account manager will confirm your MCC during underwriting.
Typical industry rate: 0.7% – 1.5%
Nutra chargeback ratios commonly run 0.7%–1.5%, with continuity offers at the higher end. BoazPay enforces clear continuity disclosures, requires double-confirmation on free-trial signups, integrates real-time chargeback alerts, deploys 3DS where it fits the offer, and provides dispute representment for high-volume accounts.
Most nutra applications decision within 48–72 hours. Continuity offers require additional review of the funnel and terms.
Typical nutra discount rates range from 3.50% to 5.95% plus $0.20–$0.30 per transaction, with rolling reserves of 5%–10% held for the first 6 months. Subscription-only brands with strong retention often qualify for tier improvements.
Your custom quote depends on your industry, volume, and history — get a free assessment in 60 seconds.
No application fee · No setup fee · No long-term contract
Questions? Call +1 (602) 812-0363 or email info@boazpay.com
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