Supplement-friendly payment processing for protein, pre-workout, vitamin, and nootropic brands. Under 1% fees, same-day payouts, no reserves.
Supplements, nutraceuticals, protein, pre-workout, vitamins, and nootropics all sit on mainstream processors' restricted lists — not because the products are illegal, but because the category carries elevated chargeback rates, continuity billing complaints, and FDA advertising scrutiny. Onyx Processing underwrites supplement merchants in-house, so strong operators get approved on their merits with under 1% effective rates available, same-day payouts, and no rolling reserves.
Whether you sell one-time DTC orders, subscribe-and-save plans, or wholesale to gyms and retailers, Onyx supports the full stack: high-approval-rate gateway, recurring billing with smart retries, chargeback alerts, and fraud screening tuned for supplement order patterns.
| Onyx Processing | Typical High-Risk Processor | |
|---|---|---|
| Supplement-friendly underwriting | Yes — reviewed in-house | Category often auto-declined |
| Recurring / subscription billing | Built in with smart retries & dunning | Extra gateway fees or unsupported |
| Rolling reserve | None for qualified merchants | 5–10% for 180 days |
| Chargeback tooling | Alerts + dispute support included | Sold separately |
| Funding | Same-day payouts | 2–5 business days |
Approval is step one; longevity is what matters. Onyx helps supplement merchants keep dispute ratios below card-network thresholds with descriptor best practices, clear rebill disclosures, chargeback alerts that let you refund before a dispute posts, and fraud rules matched to your average ticket. Our underwriting team reviews your claims language and billing terms up front so you never get blindsided by a compliance freeze.
Card networks and banks classify supplements as high-risk because of elevated chargeback rates, subscription-billing complaints, and regulatory scrutiny of health claims. That classification applies to the category, not your specific business — which is why in-house underwriting that evaluates your actual products, claims, and billing practices gets strong brands approved when aggregators auto-decline them.
Yes. Onyx includes recurring billing with smart retries, proration, and dunning management. The key to sustainable continuity billing is clear disclosure at checkout and easy cancellation — our team reviews your rebill terms during underwriting so your subscription program stays compliant with card-network rules.
Qualified supplement merchants can access effective rates under 1% with programs like compliant surcharging and cash discounting, or transparent interchange-plus pricing for standard setups. Your exact rate depends on volume, average ticket, and chargeback history — there are no hidden fees, monthly minimums, or setup costs.
Qualified supplement merchants are approved with no rolling reserve and same-day payouts. Processors that don't understand the category compensate with 5–10% reserves held for months; Onyx underwrites in-house and monitors accounts actively instead of holding your cash.
In most cases, yes. Aggregator shutdowns for category violations are common in supplements and don't automatically disqualify you. If you were placed on the MATCH list, tell us up front — Onyx works with merchants on rehabilitation paths depending on the reason code. Bring your processing history and dispute statistics to the application.
Yes. Onyx integrates with Shopify-compatible gateways, WooCommerce, BigCommerce, custom carts via API, and funnel builders commonly used by supplement brands. You can also add payment links and hosted checkout for one-off promotions.