The customer service department of D&B will be aware which financial stress class you belong to. Echeck Debt Consolidation Merchant Accounts. Even though over 75% of adult Americans take a dietary supplement, this is the case. 250-721-6173. Our merchant card accounts allow you to accept all major credit cards, including Visa, MasterCard, Discover and. As a result, credit card processing solutions can be challenging to find. One of the riskiest is the nutraceutical industry, which affects most consumers on a daily basis. To establish credit, a completed credit application is required. If you are finally looking forward to spreading your business worldwide, it is important to… Electronic payment processing refers to a system of accepting and processing payments digitally. Without a merchant account, you will not be able to accept payment via credit card or debit card. That, in turn, allows the company to increase sales. High Risk Pay is a comprehensive solution perfect for nutraceutical merchants. Taking part in the growth of Internet sales of vitamins and supplements One portion of the U. A retail nutra merchant account allows your business to accept face-to-face credit and debit card payments via a credit card machine or point of sale system. The more ways customers can buy from you, the more sales you make. Providing fast and easy merchant account applications to help businesses start accepting credit cards. Best for chargeback monitoring: SMB Global. Merchant accounts accept credit cards, debit cards, and other common types of online payment options, and having the right one can make the transaction process reliable and smooth for your customers. There is no more important time to have a reputable, educated, and transparent merchant provider. You need a merchant account to be able to accept credit card payments but you’ve been turned down before. This typically involves using payment gateways and merchant services to authorize and process the payments and ensure compliance with. Unlike PayPal or Stripe – We underwrite merchant accounts. 5. Reasonable processing rates. Helcim : Best All-in-One Platform. Payment terminals are the hardware, such as the credit card machine, that customers use to swipe or tap to pay for the transaction. Without a merchant account, you will not be able to accept payment via credit card or debit card. At UniBul, we give you a nutraceutical merchant account with: Fast application approvals. Fortunately, TailoredPay can help businesses in the nutraceutical industry find the right high-risk merchant account for their needs. To help nutraceutical entrepreneurs, DigiPay Solutions has created a “nutraceutical primer” with important information about setting up a merchant account, controlling. How to accept credit card payments without a merchant account. This type of credit card processing for nonprofits generally carries a transaction fee amounting to 2. It encrypts sensitive data,. This has left numerous. Making it easier for customers to call you than contact their credit card company will help you lower your chargeback ratio. The U. Compliance Support. Credit card companies charge payment processing fees for each ecommerce transaction. The Best Merchant Account Services. PayKings offers payment solutions to businesses in high risk industries, which means that as payment processing providers, our banks are willing to accept the liability for the increased risk associated with those businesses that are categorized as needing a high risk merchant account. Once a card transaction is complete, the funds go to a merchant account. That timeframe can vary based on your business and your credit history. Your customers will likely appreciate being able to use their credit cards especially for online payments. Live Chat, Phone & E-mail Support. These two niches have different purposes and demand a different business approach. Nutraceutical Merchant Accounts; Pharmacy Merchant Accounts; Ticket Brokers; Travel Agency Merchant Accounts; All High Risk Merchant Accounts (877) 441-6801. When shopping for a new. The WAAVE Network has approval from leading US banks and major credit card companies to enable payments for Nutraceutical resellers. Membership & Recurring Billing. Most credit card processors offer their own proprietary hardware. No Comments. Having no credit history can create just as many difficulties when applying for a merchant account as having bad credit. Phillip has researched and reviewed over 1,000 merchant services providers over the last 15 years. If you want to start accepting credit card payments online, you need to set up at least one online payment channel. Which cards you can accept, your chargeback rates, your merchant account limits, and other. That timeframe can vary based on your business and your credit history. We find the best payment processing solutions for your company! Learn more. However, there are various high-risk merchant. Fortunately, TailoredPay can help businesses in the nutraceutical industry find the right high-risk merchant account for their needs. eMerchantBroker is a Los Angeles, California-based company that offers high risk e-commerce processing solutions including kratom merchant accounts. But then, without a merchant account, you will not be able to Accept Credit Card and debit card payments. The ability to accept credit cards for e-commerce is a crucial factor in the success of nutraceutical businesses operating in the online space. Mail Order & Telephone Order. QuickBooks has a free mobile card reader available. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. This allows the acquirer to offer payment services to their clients. Streamline your business by utilizing our experience and latest tools. Despite your businesses’ unique needs, most banks and merchant processors categorize and charge nutraceuticals companies the same way they would standard retailers or e-commerce stores, trapping you into the wrong pricing structure with the wrong fees and rates. REVIEWS; CREDIT CARD PROCESSING. The process of obtaining a merchant account can be time-consuming and complex, especially for businesses in the nutraceutical and sports nutrition space. 5 billion by 2027. Our TMF or MATCH list merchant accounts allow you to get back to receiving credit card and eCheck payments - without exorbitant fees. Without a merchant account, you will not be able to accept payment via credit card or debit card. Offset the cost of credit card processing fees by encouraging customers to pay in cash. At SeamlessChex, we provide solutions that help your business get back on track. Automated clearing house (ACH) is a network that moves money electronically between bank accounts in the United States. Overcome the toughest of merchant challenges &. Accept cards on your site in two powerful ways: Buyers can pay directly with a credit card by entering card details; Buyers can use a WAAVE account to facilitate repeat purchases and get rewards 2. This type of merchant account allows businesses to accept credit and debit card payments from customers and process them securely. No caps on your processing volume. In certain situations, we can expedite the setup process in 1 business day. 25. A retail nutraceutical merchant account is a type of supplements merchant account specifically designed to accept face-to-face payments from debits and credit cards. An ACH (Automated Clearing House) merchant account is a type of bank account that enables businesses to accept electronic payments from their customers through the ACH network. Nutraceutical merchant accounts for enterprises selling nutraceuticals online and require credit card processing to sell their products. High volume Nutra merchant accounts are our specialty. Fortunately, there are still some merchant account companies that will take these type of businesses. For any E-commerce site, to accept payment by multiple means you need a proper payment gateway and a merchant account that supports your needs. PayDiverse is a nutraceutical payment processor that provides nutra merchants with premium high-risk nutraceutical merchant services, credit card processing & merchant approval. ACH transfer. Gain access to an extensive network of domestic and international banks to satisfy your processing needs. So, when a nutraceutical company applies to a bank for a merchant account to accept debit and credit transactions, it hits a wall. Ideally, this type of nutraceutical merchant account utilizes the credit card machine or point of sale. Check out our nutraceutical merchant accounts. Payment Depot: Best for High Transaction Volume. A nutraceutical merchant account furnishes business owners with the capability of accepting credit cards and debit cards for payment processing in the nutraceutical industry. Application and Approval: To secure a merchants account, your travel business will need to apply for a merchant account through a payment processor like Seamless Chex. 5. Accept credit card payments and monitor your processing with your nutraceutical merchant account. PaynetSecure provides online dating merchant accounts specifically designed for credit card processing of online, in-app, and MOTO transactions. In that sense, you can accept EBT card payments. Donations and offline payments can be accepted through a merchant account using a hand-held credit card reader. This setup provides secure merchant processing while preserving features like their Advanced Fraud Detection Suite (AFDS) and their Customer Information Manager (CIM). Chargebacks occur whenever a customer returns an item or they pay with a bad check or over-extended credit card. ACCEPT PAYMENTS ONLINE. Nutraceutical companies can often find it difficult to accept credit card payments due to the risk involved with their products. For example, if you process $20,000 or more a month, or if you have an average transaction amount of $500 or more, you risk more opportunities for higher chargeback ratios. Electronics. To get a merchant account, one must submit an application with a merchant account provider. In our experience, cannabis businesses see an average ticket increase of about 17% when they implement card payment services. Most credit card processors. Offshore Pro Group has established a specialist division dealing only with credit card merchant accounts for offshore merchants and companies: WorldMerchant. Easy Pay Direct helps online businesses, eCommerce websites, large enterprise merchants, and small businesses accept credit and debit card payments. E-Cigarettes and Vapes are considered high risk in the online merchant account world. Domestic and international solutions. Merchants that are operating high-risk businesses online will also need to use the services of a payment gateway to accept bank card information from customers. An online business generally utilizes a payment gateway, but transactions are not limited to e-commerce online payments. With our high risk services, businesses can accept. Issue fast payouts to. First, the industry is regulated. Authorized credit card usage form for security workers Author: Ministry of Public Safety and Solicitor General Subject: security workers, security business, credit card usage. Typically, a merchant account is used for credit card processing and eCheck processing, but can be used for a variety of payment processing needs. SMB Global: Best for international merchants. 98% approval rates for high risk credit card processing. However, retailer accounts for accepting credit cards are also a concern for nutraceutical companies. If you are finally looking forward to spreading your business worldwide, it is important to…Visa has recently announced two important changes to the credit card surcharge rules which will take effect on April 15, 2023. Square: Best overall. If you are looking forward to. A retail nutraceutical merchant account allows businesses to accept card-present payment, including credit card, debit card, or point of sale. If you are included in Nutraceutical deals and your works is online and you’re facing problem with the customers online payment transactions, we can help you, as you know that it can be hard to acquire merchant services for Nutra product sales. Nutra merchant accounts are in high demand and finding the right high-risk eCommerce merchant account nutraceutical provider is of utmost importance. Merchant Stronghold is an online payment service provider which helps you accept payments from all around the world. Our dedicated team will guide you through the account setup process, ensuring a seamless onboarding experience. Reduced chargebacks– We are a reputable high-risk processor that offers a chargeback management system to all our customers. They will help set you up with a POS system after opening your merchant account. It is often a bank or other financial institution that is a licensed member of a card issuer such as Visa or MasterCard. Patent Pending “Transaction Routing” Technology, More than 250 Shopping Carts Integrated, “Quick Click” checkout pages, Fraud Scrubbing technology, Kount fraud scoring, Tokenization, Quickbooks integration, Mobile Payments, Email Invoicing, recurring billing and so much more. PRE-AUTHORZIED PAYMENT CONDITIONS AND AUTHORIZATION I herby authorize the YMCA-YWCA of Vancouver. This alert system helps keep. A merchant account is a must-have in order to accept credit card transactions. If your business is considered to be in a high risk category, working with a specialized payment services company is recommended. Guaranteed CBD Merchant Accounts Approvals in 1 week. Payments Buttons. Six common ways for accepting credit cards online include: Third-Party Apps & Extensions. Without a merchant account, you will not be able to accept payment via credit card or debit card. More importantly, Easy Pay Direct would love to play it’s part in helping you achieve your goals and service your consumers smoothly. Unfortunately, many credit card processors do not want to work with nutraceuticals businesses. A merchant account is a specific type of bank account that allows merchants to accept payments. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. When can I start accepting payments? Typically, our merchants are able to begin accepting credit cards within 3 business days. Dedicated to negotiating the best terms for your supplement & nutraceutical business. Nutraceutical companies can often find it difficult to accept credit card payments due to the risk involved with their products. Rates may be lower than you think. Processing of all major credit card. To get a merchant account for your travel agency, you’ll need to follow these steps: . Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. We will allow your company to accept leading credit cards by either physical or virtual terminals. e. CBD Merchant Account; High Risk Merchant Account;. PSPs let you accept a wide range of payment. Info. To get a merchant account, one must submit an application with a merchant account provider. For internet pharmacies and online vitamin stores. Multi-currency settlement. Fees also vary by card type. PCI Compliance. Loans. Or call 888-5-PAYNET. Decide where to receive your credit card payments. When using an offshore merchant account, your acceptable chargeback ratio increases from below 2% to 3-4%. Accept payments from US and international customers quickly and easily with nutraceutical merchant accounts. We take your success seriously and are here to help you accept credit card payments to keep your revenue. Nutraceuticals encompass a broad set of dietary supplements, natural medicines, health supplements and health maintenance substances that are free from FDA regulations and are widely available over the counter. Unfortunately, it doesn’t always yield the best rates. Today, most merchants with CBD stores can use their credit card machines for various transactions, including card-not-present. The first change involves the registration process for merchants intending to surcharge. The Best Merchant Account Service Providers of 2023. . Contact us by phone or live chat for faster service. Square Merchant Services: Best for Startups. Seventy-three percent of people would leave a store if it didn’t offer a credit card terminal and they didn’t have cash on hand, according to Finder. More likely than not, you want to accept credit card payments. The U. The minimum order size for the purchase of the Product shall be $2,000. To get a merchant account, one must submit an application with a merchant account provider. This is often a way to get around big banks’ refusal to underwrite adult businesses, but it has another hidden advantage as well. Nutra payment gateways enable the nutraceuticals retailers to authorize and manage credit or debit card payments for their products. A nutraceutical merchant account is a specialized payment processing solution designed specifically for businesses operating within the nutraceutical industry. If you are finally looking forward to. Finding a moto merchant account for your mail order and telephone order business can be difficult. A high risk merchant account can provide you with the capability to create revenue utilizing your website or preferred eCommerce option. About Us; Services. m. If you are looking for an ethical credit card processor that doesn’t hide fees or lock you into expensive contracts, see Phillip’s merchant account picks here. APPLY NOW! Req. High Transaction Volume. But then, without a merchant account, you will not be able to Accept Credit Card and debit card payments. If you are looking forward to. When a customer purchases a product using a credit card or other electronic payment method, a merchant account communicates with the card issuer, withdraws funds from the customer’s account, and credits the merchant. Catherine Nightingale. 4 billion as of 2015, and is estimated to reach $204. A merchant account is a specific type of bank account that allows merchants to accept payments. There are two main reasons for this. START PROCESSING WITH US TODAY. Our merchant account managers offer expert advice and guidance throughout the relationship of your account and will help you prevent fraud, reduce chargebacks and increase profits. cosmeceutical merchant accounts. Nutraceutical Merchant Account. High volume offshore merchants accounts are preferred by most international acquiring banks. A merchant account is a business account through a bank or merchant service provider that allows the business to accept payments from customers by credit and debit cards. Assistant Manager. If you are looking forward to spreading your business worldwide, it is important to have… Pricing for Nutraceutical Merchant Accounts. Friendly with all ecommerce checkout pages and shopping carts. As the demand for nutraceutical products continues to rise, the importance of high-risk merchant accounts cannot be overstated. Compare quotes from merchant providers who understand supplement & nutraceutical payments! Access 90% of UK's leading merchant acquiring banks. Bread, cereals, and other grain-based foods. Host Merchant Services: Best for large high-risk businesses. This includes CBD and Kratom businesses. Traditionally, that process slows things down… until now. You have to meet your customer’s expectations by providing a way for. Merchant account fees will vary between different payment processors for various reasons. At UniBul, we give you a nutraceutical merchant account with: Fast application approvals. We’ve put together a series of automated underwriting checks that will approve certain industry types in real time. This prohibition can be for several things, including the owner’s financials or credit background to the sales history, transaction types, or industry that the business operates within. When a customer purchases a product using a credit card or other electronic payment method, a merchant account communicates with the card issuer, withdraws funds from the customer’s account, and credits the merchant. Decide where to receive your credit card payments. Unmasking the Nutraceutical Industry The nutraceutical industry has come a long way since its inception, offering products that blend nutrition with pharmaceutical benefits. Boost sales from US shoppers up to 20% with ACH & echecks. Stax: Best for avoiding transaction fees. Typically, a merchant account is used for credit card processing and eCheck processing, but can be used for a variety of payment processing needs. These supplements have experienced problems due to their use as a muscle-building steroids. One of them is that e-commerce sites that offer nutraceuticals generally get a higher number of chargebacks than different organizations. A gaming merchant account is a specific type of bank account that allows merchants to accept payments. Nutraceutical industry is viewed as dangerous by most payment choices and consequently they don't accept direct payment to your organization. But why would banks avoid my business when the industry is. 6 billion by 2017. But the less-known fact is the banks do not allow credit card transactions for CBD purchases. And impact the number of banks that are willing to board nutraceutical merchants. A high risk merchant account can provide you with the capability to create revenue utilizing your website or preferred eCommerce option. Our merchant account managers offer expert advice and guidance throughout the relationship of your account and will help you prevent fraud, reduce chargebacks and increase profits. With technological advances, the payment services industry has evolved, with payment processors offering merchants new platforms to accept payments. We do this so they don’t lose the ability to accept credit cards. Chargeback Prevention. “Start Accepting Credit Cards Today” Get Approved Now ️. Your merchant account application will factor in your business credit score, and not your personal credit score. A Nutraceutical Merchant Account allows business owners to accept credit card payments for the high risk nutraceutical industry. Securing a bad credit merchant account will allow your business to get off the ground. Call us Toll Free (866) 509-7199. Higher payment processing fees. ProMerchant: Best for High-Risk Businesses. For any E-commerce site, to accept payment by multiple means you need a proper payment gateway and a merchant account that supports your needs. S. Payment Processing; High Risk Merchants; Cash Discount; PCI Compliance; POS System; SMALL. Our processing techniques and account features exist to ensure that merchants selling delta-8 THC and other cannabis products face minimal risks when it comes to processing credit or debit card payments. PSPs let you accept a wide range of payment. 9% + 30¢ online. The specific features you need from a gun-friendly payment processor depending on where you sell firearms. First, the merchant account established with the acquiring bank. 2. In today’s business climate, it’s unfathomable to continue business without the ability to process credit and debit card payments. As a global leader in providing references for nutraceutical businesses to obtain merchant account services, MerchantNegotiators. Donations and offline payments can be accepted through a merchant account using a hand-held credit card reader. We work with 1000's of merchants in restaurants, CBD & Hemp, retail, e-commerce. According to Euromonitor International, a global market intelligence publisher that provides market research reports, statistics and online information systems on industries, countries, and consumers, the US vitamin and dietary supplement market is. . +208-806-2953. Without a mer. Securing Merchant Accounts for Nutraceutical E-Commerce. Under the new rule, merchants are no longer required to register with Visa. Therefore, traditional payment processors classify these businesses as high risk based on criteria such as transaction size, industry, sales model. Add more than 80 alternative payment methods favored by international buyers & watch your sales grow. In the past, a business owner who wanted to accept credit cards had to open a merchant account with a bank, which can be costly and time-consuming. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. 81% for a credit card and 0. eastern time. Credit Card Processing for Nutraceuticals and Herbal Companies. Like credit card processing in a retail environment, an Internet merchant account uses the same credit authorization process. . Our merchant account services also support returns and. We can provide your business the ability to accept credit cards with one of our merchant account providers. Comprehensive Merchant Account Solutions for Nutraceutical Businesses. Many of the challenges facing the nutraceutical industry have a shared thread. Of course, nearly everyone uses credit and debit card. Power Your Business With Nutraceutical Merchant Accounts and Payments From MID Kingz Solutions — Easy, Reliable, and Secure. Documents. Built-in virtual terminal. Los Angeles, CA (PRWEB) January 26, 2015 -- eMerchantBroker is proud to announce merchant account support for all businesses dealing in the nutraceuticals industry. In order to accept credit card payments, businesses must first obtain a merchant account through a bank or third-party processor. This system. In most cases, the money then transfers to the business's account in. Accept credit card payments and monitor your processing with your nutraceutical merchant account. ACCEPT PAYMENTS ONLINE. Are you struggling to secure the payment processing solutions your nutraceutical business needs? Unfortunately, there are many industries whose merchants struggle to secure merchant accounts for their businesses – the nutraceutical industry is definitely among them. We find the best payment processing solutions for your company! Learn more. The. The application process was a pain and it took. Because high-risk merchants have higher chargeback ratios and regulatory exposure, financial institutions are concerned they may violate card brand rules, laws and regulations. With OptBlue, you have options. By offering secure payment processing, global payment acceptance, and comprehensive risk management tools, high-risk merchant accounts empower nutraceutical businesses to thrive in an increasingly competitive market. Power Your Business With Nutraceutical Merchant Accounts and Payments From Scalesafe Payments — Easy, Reliable, and Secure. Many of your customers do not have cards or are maxed out on cards. Phillip has researched and reviewed over 1,000 merchant services providers over the last 15 years. Operating identically as other types of payment processing, these accounts are underwritten with the knowledge that the businesses using them will not be traditionally what banks see. We keep your money safe, so you can keep doing what you love. The main drivers of this growing demand include increasing health concerns as well as changes in dietary lifestyles. fees. Nutra has nothing to do with pharmaceuticals. If you’re finding that your merchant A business that accepts credit cards for goods or services. He also owns multiple businesses that accept credit card payments. in-person; 2. Companies that offer pharmaceutical alternatives struggle to obtain nutraceutical merchant accounts because the industry still struggles to find. If you are looking for an ethical credit card processor that doesn’t hide fees or lock you into expensive contracts, see Phillip’s merchant account picks here. A high risk merchant account is a specialized payment processing account designed for businesses that operate in industries with a higher risk of chargebacks or fraud than traditional businesses. It’s simply how they moderate risk. Many retail and online merchants use a gateway and its integrated virtual terminal. Our MOTO merchant account allows users who operate call centers to create multiple virtual terminal users with payment gateway access. More. FICO scores are considered to be the most trusted. Since high risk businesses do not qualify for. For example, a merchant account like Seamless Merchant offers more than 25 bank relationships, allowing businesses to accept credit card payments securely, quickly, and efficiently. “High risk” businesses include everything from car dealerships to e-cig vendors, and even merchant credit can have an impact. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. S. Works with Many Principal Third-Party Shopping Carts. Fraud Prevention. Soar Payments: Best for. A merchant account is a specific type of bank account that allows merchants to accept payments. . Mobile Card Reader. until 6 p. Businesses that have a more than 3% chargeback ratio can have their merchant accounts terminated by credit card processors. MO/TO merchants face this challenge due to the high chargebacks incurred, card not present (CNP) method of acceptance, and high volume of processing on a. Even if you have been previously rejected by other credit card processors or have a bad credit score and. From vitamins and minerals to probiotics and sports supplements,. Online payment processing is not limited to debit and credit cards anymore. Nutraceutical Merchant Accounts; Pharmacy Merchant Accounts; Ticket Brokers; Travel Agency Merchant Accounts; All High Risk Merchant Accounts (877) 441-6801;. Without a merchant account, these businesses have no way to accept credit and debit card transactions. Live Chat, Phone & E-mail Support. Yes. Get the processing capacity you need to manage & grow your nutraceutical business. Our experienced staff will determine your specific needs and recommend a solution that meets your specific situation. Credit card processing plays a significant role in nutraceutical e-commerce. This is why, although nutraceuticals and dietary supplements have become a hot industry, they are a closely watched one. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. Most international banks offer competitive rates,. Merchants that process high transaction volumes or transaction amounts may be subject to a high-risk merchant account. Their consumption of calcium, Vitamin D, fish oil capsules, and supplements to keep joints moving without pain are at record levels. Payment cards, including credit and debit cards, have grown with the dominance of the online ecommerce industry. Problem #3. Only you, your merchant account provider, and payment processor should know about it. Online Payments - National Merchants is your trusted partner and advocate in credit card processing. Most of the time, this. Merchant accounts accept credit cards, debit cards, and other common types of online payment options, and having the right one can make the transaction process reliable and smooth for your customers. When seeking an ideal solution for adult merchant processing, that includes online dating, strip clubs, adult book stores, novelties, toys, and websites that require memberships for pornography, it can be a tedious process to successfully accept debit and credit cards. For any E-commerce site, to accept payment by multiple means you need a proper payment gateway and a merchant account that supports your needs. Transaction not Permitted to Cardholder is a response code returned by a payment processor or issuer when a transaction is attempted with a credit or debit card flagged as restricted or blocked. Without a merchant account, these businesses have no way to accept credit and debit card transactions. The Southern Institute can help! We specialize in merchant accounts for nutraceutical companies and more. Banks that fund nutraceutical merchant accounts that market illicit ingredients or goods can be found responsible once more. Accepts online transactions of all types: Debit Card, Credit Card, and ACH. Both categories are ordinarily associated with free trials, chargebacks, false claims and customer complaints. Consider looking for a credit card processing company that offers consulting as well. The merchant account acts as the middleman between the. The accounts enable acceptance of payments from customers in the US and internationally. com’s expert team can help you receive a merchant account for your online, shopping cart, recurring billing or free trial nutraceutical business in as little as 24 hours. This surge has nurtured a thriving industry, where businesses must adopt robust merchant account processing systems to seamlessly accept credit cards and offer customers convenient payment choices. services. Just because nutraceutical businesses are considered high risk doesn’t mean they should be subjected to high merchant account fees. Accept credit & debit cards. They are also subject to high returns and credit card declines,. They also struggle to secure the financing they need to grow their business and cover costs. Allocate the amount of processing you want to send through each merchant account. The whole process can be completed in as little as 48 hours between application to processing payments. We at SeamlessChex understand the challenges faced by online supplement businesses, for we excel in managing fraudulent charges and high chargeback rates. STEP 4: OBTAIN NECESSARY PERMITS AND LICENSES (FDA. Processors can freeze your merchant ID number and stop you from accepting any new card payments to your account. High Risk Nutraceutical Integrations.