Nutra Business Services

Nutraceuticals collectively constitute a massive $230+ billion industry, with tens of thousands of companies selling products that offer various benefits to consumers. Nutra business trade is conducted worldwide, whether online, in person, by mail or by telephone.

Unfortunately, many banks and credit card processors consider these nutra businesses to be “high risk” and are not willing to provide merchant services to them.

Sami Payments, on the other hand, has consistently offered merchant services to Nutra companies since the founding of our company. We value the services provided by all types of companies within the industry, including companies that sell supplements, vitamins, and many other products under the banner of the nutraceutical industry.

Frequent questions

Below are common questions specific to nutraceuticals credit card processing:

What types of nutraceutical businesses do you accept?

We offer Merchant Accounts for a wide range of nutraceuticals-related sub-industries, including: dietary supplements, food additives, vitamins, minerals, herbs or other botanicals, herbal products, extracts, concentrates, cosmeceuticals, beauty products and cosmetics, and others . Products that support the structure or function of the body.

Is Sami Payments compatible with my existing nutra CRM or marketing automation software?

Nutra companies, including companies that sell herbal supplements, cosmeceuticals, and other nutraceuticals, typically have a preferred CRM or marketing automation software platform that they use. Because Sami Payments works with most major payment gateways (including, USAePay, and NMI), our Merchant Accounts integrate with the most popular software packages used by businesses in the nutra industry, including:

Shopify, WooCommerce, BigCommerce, and similar eCommerce platforms, as well as marketing automation platforms like ClickFunnels, InfusionSoft, and OntraPort.

What criteria must my nutraceutical business meet for Sami Payments to approve it for a Merchant Account?

To be approved, nutraceutical companies must meet the following criteria:

  • You must not offer “free plus shipping” offers or free trials with Nutra products;
  • Subscription duration must be 12 months or less (subscriptions longer than 12 months are not allowed);
  • You must not sell products that contain ingredients on the prohibited list;
  • You should not make exaggerated health claims in product advertising.

Why do banks and processors consider nutraceutical companies high risk?

Nutra's businesses are considered high risk for two main reasons:

  1. The industry is regulated. Nutraceutical companies are regulated by the US government and cannot make certain promises about their products without supporting clinical trials. Reviewing a Nutra Merchant Account application for compliance with these regulations requires additional underwriting due diligence by the credit card processor.
  2. Nutraceutical companies are vulnerable to high chargeback rates. While most Nutra companies maintain long-term satisfied customers, they are vulnerable to high chargeback rates, particularly when using subscription-based models. This poses significant financial risks to the credit card processor.

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(402) 260-5215

Types of Nutraceutical Merchant Accounts

Sami Payments offers a full spectrum of Merchant Accounts for businesses related to nutra, vitamins and other health supplements. These include:

  • Retail

  • Mobile

  • Virtual terminal

  • e-Commerce

Retail payments

A Nutra Retail Merchant Account allows your business to accept face-to-face credit and debit card payments through a credit card machine or point-of-sale system. Ideal for businesses with a wired Internet connection and a brick-and-mortar store, these sales typically have the lowest risk of fraud and chargebacks and therefore offer the lowest prices.

Apply now to accept retail payments

Mobile payments

A mobile Merchant Account allows your business to accept payments in person through a credit card attachment that connects to your mobile phone or iPad. Ideal for nutra businesses that operate outside of a brick-and-mortar store, such as at conventions, conferences, or farmers markets, these accounts also have lower rates of fraud and chargebacks and are therefore priced similarly to retail accounts.

Apply now to accept mobile payments

Virtual terminal payments

A virtual Merchant Account allows your business to accept payments over the phone, by mail, or through your laptop (no separate equipment). Ideal for businesses that accept a significant percentage of sales over the phone, these payments are vulnerable to increased fraud and chargebacks. Accordingly, we offer merchants using a virtual terminal integrated chargeback fraud prevention tools.

Apply now to accept virtual terminal payments

eCommerce Payments

A Nutra eCommerce Merchant Account allows your business to sell products online through your website. Our eCommerce Merchant Accounts integrate with most major website payment gateways and shopping carts, making setup simple. Nutra Online Merchant Accounts are vulnerable to chargebacks and fraud, so we offer built-in tools to mitigate these risks.

Apply now to accept eCommerce payments





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SamiPayments Benefits

No need to complete a separate application

Each Merchant Account is evaluated based on your specific needs and risk factors. This way, each merchant gets a solution as unique as their business.


Process physical and electronic checks

Digital payments are not exclusively digital. With comprehensive check processing, you can accept physical checks, e-checks, and ACH payments in an instant.


Transparent prices

 and rates

Payments are complicated enough, but getting stuck in a contract can be even worse. You deserve a price that is simple and direct. That way, you can focus on what really matters.

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