Supplement merchants face elevated chargebacks and FTC scrutiny. This 2026 checklist walks through claim substantiation, labeling, and processor requirements.
Supplement merchants, beware: the nutraceutical industry is a high-risk business that faces elevated chargebacks and Federal Trade Commission (FTC) scrutiny. A single misstep can lead to costly fines, account closures, and damaged customer trust. To avoid these pitfalls, you need a comprehensive understanding of nutraceutical merchant account compliance. This 2026 checklist will guide you through the essential requirements for claim substantiation, labeling, and processor compliance.
Claim substantiation is the process of verifying the accuracy of claims made about your supplement products. The FTC requires that you have scientific evidence to back up any health-related claims. This includes claims about weight loss, energy, or any other benefit. To ensure compliance, you'll need to: (1) maintain detailed records of your research and testing, (2) have a clear understanding of the FDA's guidelines for dietary supplement labeling, and (3) be prepared to provide evidence to support your claims upon request.
"A good supplement merchant is like a good scientist: always seeking evidence and transparency."
Labeling is another critical aspect of nutraceutical merchant account compliance. The FDA requires that dietary supplement labels include the following information: (1) the name and address of the manufacturer, (2) a list of ingredients, (3) the serving size and number of servings per container, (4) the percentage of daily value for each nutrient, and (5) any warnings or cautions. Failure to comply with these labeling requirements can result in costly fines and account closures.
Not all payment processors are created equal when it comes to high-risk businesses like nutraceutical merchants. To ensure compliance and minimize risk, you'll need to choose a processor that specializes in high-risk processing and has experience working with supplement merchants. Look for a processor that offers: (1) customized payment solutions, (2) robust risk management tools, and (3) dedicated customer support.
At Cybin Enterprises, we understand the unique challenges of nutraceutical merchant account compliance. Our network of specialized acquirers and dedicated customer support team are here to help you navigate the complexities of high-risk processing. Whether you're looking for customized payment solutions or robust risk management tools, we've got you covered. Contact us today to learn more about how we can help you achieve compliance and grow your business.
Cybin Enterprises is a payment services intermediary specializing in high-risk merchant accounts. Our team brings decades of experience in payment processing, compliance, and risk management.
Expertise: High-risk underwriting, payment compliance, chargeback management, multi-processor routing
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