Payment Processing for Supplements & Nutraceutical Brands
Fast Approvals. Transparent underwriting. Built for high-risk merchants who want to scale.
Running a supplement or nutraceutical brand shouldn’t mean fighting with processors, getting surprise declines, or being labelled “high-risk” without explanation. Legitimate wellness brands can get approved quickly by matching your business to the correct Merchant Category Code or “MCC”, preparing your underwriting package, and ensuring your website meets processor requirement; ALL before your file ever reaches the bank for approval.
If you are unclear about payment processing for nootropics, wellness powders. CDB, or subscription-based products, you’re in the right place.
Why Supplement Merchants Get Declined or Suddenly Shutdown (And How to Avoid It)
Most supplement brands get declined or get a sudden shut down on their payment processing for reasons that have nothing to do with their business quality. The real issue is misclassification.
The top reasons processors decline or suddenly shutdown supplement merchants:
- Wrong MCC (Merchant Category Code) either unknowingly or misclassified for ease of approval
- Medical or disease-treatment claims
- Missing compliance disclosures
- Trial and rebilling funnels without proper transparency
- Reclassification of MCC without communication
- CBD products without COAs
- Ingredients that trigger drug-adjacent classification
- Website missing required policies
Get your business pre-underwritten before submitting your application. More often than not, the underlying banks involved are the same ones powering a majority of payment service providers.
The Correct MCC for Supplements (What Banks Actually Use)
Choosing the right MCC is the difference between a 24-hour approval and a 3-week decline.
MCC 5499 – Health & Dietary Supplements
This is the correct MCC for 95% of supplement brands, including:
- Vitamins & minerals
- Herbal blends
- Pre-workouts
- Protein powders
- Collagen
- Greens powders
- Adaptogens
- Nootropics (non-medical)
- Topical wellness products
- CBD (with COAs)
Whenever possible, ensure your business qualifies for MCC 5499:
- Fastest approval times
- Lowest Friction
- No high-risk registration
- No bank pre-approval
When Supplements Fall Into Other MCCs
MCC 5122 – Medical-Claim or Drug-Adjacent Products
Used when products claim to “treat”, “cure”, or “reverse” conditions. Requires additional review.
MCC 5968 – Trial, Rebill / Continuity Offers
Used for free physical trial or “just pay shipping” funnels. Requires transparency and compliance addendums.
MCC 5912 – OTC + Supplements
Used when supplements are sold alongside OTC (over-the-counter) medications. Avoid unnecessary MCC shifts that slow down approvals.
What Payngen Reviews Before Submission (So You Don’t Get Declined)
We perform a full pre‑underwriting review to ensure your file is clean, compliant, and ready for approval.
We check:
- MCC classification
- Website compliance
- Ingredient lists
- Product claims
- Subscription Terms
- Refund & cancellation policies
- Checkout flow
- COAs (if CDB)
- Marketing Language
- Chargeback exposure
This dramatically increases approval rates and reduces back-and-fourth with the bank.
What You Can Sell Through Payngen
Allowed:
- Supplements
- Nootropics (non-drug)
- Herbal blends
- Pre-workouts
- Protein powders
- Collagen
- Greens powders
- Adaptogens
- CBD (with COAs)
- Topical peptides
- Standard Subscriptions
Case-by-Case:
- Medical-claim supplements
- Research-only ingestibles
- Trial and rebilling funnels
Not Supported:
- SARMs
- Injectable peptides
- Human-use peptides
- Unapproved drugs
- Research chemicals intended for consumption
Why Merchants Choose Payngen
1. Faster Approvals
We pre-classify your MCC and clean your file before submission.
2. High-Risk Expertise
We specialize in Supplements/Nutra – not generic processing.
3. Transparent Underwriting
We explain exactly what banks look for and why.
4. No Surprise Declines
We catch issues before they reach the processor.
5. Built for Scaling
We work with start-up brands to 8-figure supplement companies.
How Payngen’s Onboarding Works
We review your website, products, and billing model.
We fix issues before the bank sees them.
Your file is packaged cleanly for fast approval.
We configure your gateway and routing.
Chargeback tools, reporting, and optimization.
Choose Your Starting Point
If you’re already processing and just need a flexible, scalable gateway — we’ve got you covered. Multi‑MID, multi‑currency, and custom routing supported. Click HERE to get started
Start fresh with a processor that understands your business. We refer you to the best fit processing solutions. Fast onboarding, high‑risk friendly, and tailored to your vertical. Click HERE to get pre-qualified.
If your MID was recently shut down or flagged, we offer expedited placement options to keep you live and processing. Click HERE for expedited Pre-Qualification.
If you’re unsure what’s possible or need a tailored configuration, we’ll walk you through capabilities, integrations, and pricing.
For agents or managers placing multiple merchants
FAQ
Regulations. Chargebacks. Auto‑ship programs.
Payngen stabilizes your processing with high‑risk‑ready tools.
Topical peptides are allowed.
Ingestible or injectable peptides are not supported.
Yes — trial → rebill funnels use MCC 5968.
No. CBD typically uses MCC 5499 with COAs and a CBD addendum.
Yes — when MCC, claims, and compliance are correct.
Most supplement brands use MCC 5499 — Health & Dietary Supplements.
No. Customers continue using your platform’s familiar checkout. Payngen works behind the scenes to process the payment securely.
No. Customers continue using your platform’s familiar checkout. Payngen works behind the scenes to process the payment securely.
Yes. Any platform. Any compliant nutraceutical product.
Payngen fits your storefront without forcing a rebuild
Yes. Payngen is processor‑agnostic. You can use your existing processor or choose one that fits your business model, pricing, or risk profile.
Payngen works with high‑risk‑friendly processors.
You get stability and long‑term processing.
Payngen uses updated encryption protocols, tokenization, and gateway‑level fraud controls to reduce fraudulent transactions and protect customer data.
Yes. Payngen supports recurring billing, subscription payments, and tokenized customer profiles depending on your processor configuration.