Why this is classified high risk
Nutraceuticals are MCC 5912 (drug stores) — flagged high-risk because of historically elevated chargeback ratios in the continuity-billing nutra category. Free-trial and "click to continue" models are particularly scrutinized after FTC enforcement actions.
The right nutra acquirer underwrites the model up front, prices for the chargeback exposure, and provides the recurring infrastructure (retry logic, account updater, descriptor optimization) that keeps your ratio under network limits.
Features included
Free-trial, auto-renewal, retry, and account updater for nutra subscription cohorts.
ROSCA, FTC, and state continuity-law alignment baked into the merchant onboarding.
60+ currencies for international nutra DTC.
Pre-dispute deflection critical at nutra chargeback baselines.
Pricing factors
Nutra pricing ranges 3.95% – 5.95% + $0.25 with 10% rolling reserves. Free-trial / continuity merchants price toward the high end.