A nutra merchant account for continuity offers, priced on deposit volume, not a flat fee.
Continuity nutra, weight management, men's and women's health, anti-aging, joint and cognitive formulas sit on the Grey Hat plan: $2,499 setup, then 9% of deposit volume. Here is why acquirers underwrite the vertical the way they do, what the file needs, and what stays yours to keep clean.
Why nutra is underwritten as high-risk
General mechanics, as acquirers see them; none of it is a verdict on your offer.
Nutra stacks two exposures acquirers price heavily. The product is ingested, so the underwriter inherits a claims and regulatory risk it cannot see from a checkout page. The billing is recurring, so a single sale becomes a series of charges the cardholder may not remember agreeing to. Weight management, men's and women's health, anti-aging and cognitive formulas add a third layer: results that are easy to promise and hard to prove.
The dispute pattern follows. A trial customer sees a rebill on a statement, does not recognise the descriptor, and calls the bank instead of the merchant. Card networks monitor the chargeback ratio of every MID and publish rules for trial and recurring billing. Acquirers price the exposure with reserves and volume caps, and they read the funnel before they read the label. See chargebacks for high-risk merchants for how the ratio is computed.
Then there is the operator. When the offer is run from outside the United States, there is no US-resident person to underwrite, no US credit file and no US bank account for settlement. That gap is what the high-risk merchant account pillar explains and what the IBO package closes. On the industries hub, nutra sits on the Grey Hat side; supplements sold once, with clean labels and no trials, belong to health and wellness on White Hat.
What acquirers ask for on a nutra file
The standard high-risk file plus the offer layer. Each acquirer has its own template.
The complete offer flow
Every page from the ad to the thank-you page: landing page, checkout, upsells, trial terms, rebill amount and interval, and where the customer cancels. Underwriters may place a test order to see what the cardholder sees.
Products, labels and supply
The SKU list with labels and ingredient panels, the manufacturer or supplier, and product documentation where requested. The label is read against the landing page and the ads.
Refund and cancellation policy
A policy the customer can find before paying and act on after: how to cancel, how fast a refund lands, when support answers. The cancellation path is tested, not just the text.
Fulfilment on every cycle
Who ships, from where, in how many days, with which tracking, and what happens to shipments after a cancellation. A rebill with no parcel behind it is a dispute waiting to be filed.
Entity, signer and settlement account
Articles, operating agreement and EIN letter for the entity; government ID, proof of address and a credit file for the signer and guarantor; a US business bank account in the entity's name for settlements.
Volumes, ratios and history
Projected monthly volume, average first-sale and rebill tickets, the share of revenue from rebills, and processing statements with refund and chargeback data when they exist.
How the IBO package covers the file
The entity, the director and the banking side arrive built. The offer side stays yours.
- A fresh US entity with EIN. An LLC or C-Corp incorporated in the director's home state, never a Wyoming shell, with articles, operating agreement and EIN letter in the file. No processing history follows you from a previous nutra MID.
- A director the underwriter can check. The Independent Business Operator (IBO) is a real US resident with zero criminal record, a credit score of 650 or more and a submission-ready KYC file. Exclusive to you and never used for another merchant.
- Verification calls answered. The director takes the acquirer's calls before and after approval, signs what the application requires, and has no say in your products, funnels or ads.
- A settlement account you control. A business bank account at Bluebanc or Relay in the company's name: inbound and outbound wires, debit card, no minimum balance, full operational access handed over on delivery.
- Company email and US residential proxy. Applications, dashboards and bank logins come from an address on the company domain and from a US IP.
- Support in a private Telegram group. An account manager, 24/7, for verification requests and compliance questions during and after onboarding.
What you keep clean: disclosure, descriptor, claims, fulfilment
The package covers the entity side of the file. These habits keep a continuity MID alive afterwards.
Disclose the continuity terms where the customer decides: next to the pay button, in plain words, with the trial length, the rebill amount and the interval. Capture an explicit consent, restate the terms in the confirmation email, send a reminder before a trial converts, and make cancellation as easy as sign-up. Card network rules on trial and recurring billing typically require each of these; acquirers check them before boarding and again after every ratio spike.
Set the statement descriptor to the brand name the customer saw at checkout, with a support phone number, and keep it identical on every rebill. Refund before a dispute rather than after one. Keep claims within what the label supports: an ingredient and its intended use, never a disease, a cure or a promised result, and no before-and-after claims in ads that the label does not carry. Ship every cycle with tracking, stop shipping the day a customer cancels, and disclose every new product or funnel to the acquirer before it processes.
What is refused inside nutra and supplements
Some are refused by IBOCore before purchase; the rest are declined at underwriting or terminated later.
- Prescription ingredients, pharmacy products and telehealth-style prescribing dressed as supplements. Pharmacy and Rx are on the refused list; a nutra label does not change that.
- Products marketed as treating, curing or preventing a disease, including weight-loss, sexual-health or cognitive formulas sold on medical promises.
- Hidden continuity: a trial presented as a one-time purchase, pre-ticked boxes, terms only in the footer, or a cancellation line nobody answers. Acquirers decline it and card networks penalise it.
- Fabricated endorsements and fake reviews: advertorials posing as news, celebrity or doctor endorsements without consent, before-and-after images that are not yours. That is the "anything fraudulent" line, refused on principle.
- Continuity nutra volume run on a White Hat package. Subscription billing belongs on Grey Hat; misclassification at purchase suspends the package.
- Products with no documented supply chain: relabelled stock, counterfeit brands, or formulas whose ingredients you cannot state.
Plan and price by billing model
The plan follows the billing, not the ingredient. Declare yours before you buy.
Prices as published on the homepage. The revenue share starts 30 days after delivery, invoiced monthly. Add-ons: document template pack $499 one-time, bank pages $2,499 one-time, merchant account consulting $899 per month.
How to get the package and open the MID
No KYC on you, no notary, no travel. Delivery is the same day; acquirer onboarding then takes 3 to 10 business days, on the acquirer's timeline.
- 01
Step 01
Contact a representative on Telegram
Describe the offer: products, trial terms, rebill interval, current processor and volume. Merchants are reviewed on business proofs before dashboard access, and the Grey Hat classification is confirmed here.
- 02
Step 02
Choose the package and the Grey Hat plan
Pick an available entity in the inventory; for parallel MIDs on different processors, take one package per MID.
- 03
Step 03
Pay the setup fee
$2,499 in USDT or USDC on ERC20 or TRC20. The 9% revenue share starts 30 days after delivery, so the onboarding window is not billed.
- 04
Step 04
Receive the package and apply
Entity documents, the director file and the bank access arrive on Telegram the same day. Submit the application with your offer flow through your own ISO or directly; the director answers the verification calls.
Packages are permanently in stock and delivered the same day the payment confirms; pick Grey Hat at checkout. Company names are masked until you sign in.
Nutra merchant accounts, follow-up questions
The follow-up questions continuity operators ask on Telegram once the plan is clear.
Why is nutra on Grey Hat rather than White Hat?
Because the revenue is recurring. A flat monthly fee prices a store with predictable one-time volume; a continuity offer starts small, grows with the rebill base and can drop when a MID is capped. The 9% of deposit volume follows that curve. Continuity volume on a White Hat package suspends it.
Is the 9% charged on trial sales, on rebills, or on both?
Both. The share is 9% of deposit volume, whatever the ticket, so a trial sale and a rebill count the same way. You pay $2,499 once at purchase; nothing else is due for the first 30 days after delivery, the acquirer onboarding window. The share is then invoiced monthly, with no clawbacks if the acquirer terminates the MID.
Do weight-loss, men's health and cognitive formulas get extra scrutiny?
In general terms, yes: these are the sub-verticals where the ad promises the most and the label supports the least, so underwriters read the landing page against the ingredient panel and may ask for product documentation. Keep every claim to an ingredient and its intended use, keep before-and-after material out of the ads, and name the sub-vertical at application.
Are CBD-adjacent products covered on this plan?
On the IBOCore side, yes: CBD-adjacent is listed under nutra and supplements, so the plan is Grey Hat at $2,499 setup then 9% of deposit volume. Whether an acquirer boards hemp-derived products depends on its own rules and your product documentation. Send the product list on Telegram before purchasing; an undisclosed CBD line is treated like any undisclosed product.
Can I split the trial and the rebills across two MIDs on one package?
Not to split one offer. A package opens one MID at a time and can stack more once the first is live, but a trial and its rebills belong on the same MID so the acquirer sees the real ratio. Routing rebills to a second MID to keep the first one clean is ratio gaming under card network rules and typically ends in termination. For parallel MIDs on different acquirers, take a second package.
Do I need processing history to open a nutra MID?
Not on the IBOCore side: the package is a fresh entity with a fresh director and no history. Acquirers typically ask for statements when they exist and rest the file on the signer, the bank account and the offer flow when they do not. Bring the business proofs you have; the review before dashboard access uses them too.
Related reading
Industries
Every vertical served, the plan for each, and the verticals refused.
Read moreHealth and wellness
The White Hat side of the same shelf: supplements sold once, clean labels, no trials.
Read moreSubscription and continuity
Monthly boxes, trial-to-continuity and auto-replenish outside nutra.
Read moreHigh-risk merchant account
What high-risk underwriting adds to a standard file and why it starts with a US director.
Read moreChargebacks for high-risk merchants
How the ratio is computed, monitored and kept under the thresholds.
Read moreWhite Hat vs Grey Hat
The two plans side by side, with the billing models that decide between them.
Read moreOpen a US MID for your nutra offer.
A Grey Hat package with a director, an entity and a bank account, delivered the same day; the funnel stays yours.
No KYC on you, no notary, no travel.