Payments for health and wellness products
Supplements, wellness devices and subscription health products — a vertical that needs careful underwriting.
Claims are the underwriting issue
Health and wellness product businesses are frequently classified as higher risk, and the reason is usually marketing rather than the product. Health claims, before-and-after imagery, free-trial-to-subscription funnels and auto-renewal all raise both regulatory exposure and chargeback rates. Accounts in this space are approved on the strength of the website, the claims made and the refund policy.
How the setup works for your account
Specialised underwriting
Submitted to acquirers that understand and accept this category rather than declining it on sight.
Subscription-aware setup
Renewal reminders, easy cancellation and clear descriptors, which is what keeps disputes down.
Chargeback monitoring
Close tracking, because thresholds are enforced strictly in this category.
Compliance review before submission
We look at your site and funnel first so the application is not declined for something fixable.
What underwriters will check
Your claims
Explicit or implied treatment and cure claims are a fast route to decline. Language matters.
Your billing flow
Free trials that roll into subscriptions produce high dispute rates and receive close scrutiny.
Your refund policy
It must be visible, specific and actually honoured.
Common questions
Why is this category treated as high risk?
Higher-than-average chargeback rates, subscription billing and regulatory exposure around health claims.
Will my rate be higher?
Typically yes, and a reserve may apply. Both are disclosed in writing before you sign anything.
Can I be approved with a free trial offer?
Sometimes, if the terms are unmistakably disclosed and cancellation is genuinely easy. Many acquirers decline aggressive trial funnels outright.
See what your processing should actually cost
Send a recent statement, or your monthly volume and average ticket. You get a written breakdown back — no commitment.