Payments built on the repeat purchase.
Supplements live on the second order, and on the tenth — which is why the category gets filed as high-risk. Two things decide your margin: whether a returning card clears, and whether a disappointed customer calls you before they call their bank.
Why this category is different
Your best customer is also your biggest dispute risk
A supplement brand sells the same customer the same product for years. Every one of those charges is another chance for a card to expire, a bank to decline, or someone to look at a line on a statement they no longer recognise.
And the product itself invites dissatisfaction nobody can prove either way. "It did not work for me" is not a shipping problem you can answer with a tracking number.
So the work is not winning disputes. It is catching them in the hours before they are filed, and keeping the repeat charges clearing.
Where supplement brands lose money
Four patterns this category hits harder than any other — and the first two start with a charge the customer did not expect.
You hear about the dispute too late
A customer disputes with their bank instead of emailing you. Without an alert you find out when the chargeback lands, by which time the fee applies whether you were right or not.
The ratio creeps toward the threshold
A handful of subscription disputes a month is survivable. The scheme thresholds are measured monthly, and a brand watching one company-wide number sees the problem a month after it started.
Repeat charges that quietly fail
Expired cards, issuer rules, a bank that treats a recurring supplement charge with suspicion. On a single acquiring route every one of those is lost revenue counted as churn.
A launch that outruns your provider
An influencer post or a seasonal push multiplies volume in a week. A rigid risk model answers that with a payout hold, right when you need to reorder stock.
What a supplement brand gets here
Six things, each pointing at something you can check elsewhere on this site.
The dispute arrives as a warning first
Card issuers often tell us before a chargeback is filed. Refund inside that window and the case closes without a chargeback, without the fee and without the ratio.
What an alert costsRatios per product, not per company
One formula causing the complaints should not put the whole catalogue at risk. Disputes are measured per store and per product, so you can fix the actual cause.
How we watch disputesRepeat charges that get a second try
Several acquiring partners sit behind the checkout, so a declined renewal retries on another route instead of becoming silent churn.
About routingMethods that can bill again
Cards, Apple Pay and Google Pay carry recurring charges; most local methods are one-off push payments. Every method page states which is which, so a subscription never launches on the wrong rail.
Recurring, per methodRefill offers at the moment of payment
A three-month bundle offered in the checkout costs nothing in media spend and lands while the customer has already decided to buy.
Explore the checkoutJudged on the brand you actually run
Ingredients, claims, support and returns — read by a person. A category code is where other providers stop looking; here it is where the conversation starts.
Talk to the teamBuilt for the second order
Acquisition gets the first sale. Everything after it is a payment question — and that is the half most setups leave alone.
More from the customer who already said yes
Refill bundles, subscriptions and shipping insurance sit in the checkout itself. The same visitor, the same ad spend, a larger order — and a reason to come back that you did not have to buy twice.
Not a promise about your ratio: alerts and routing help, but a product that disappoints people will still produce disputes. We would rather say that than sell you a filter.
Renewals that keep clearing
A declined repeat charge retries on another acquiring route before it ever shows up as a cancelled subscription.
The same brand, one market further
Wellness travels well. The payment method each market expects is a toggle per store, settled into the same balance.
Per store, per product
Balance, payouts, disputes and analytics stay separate per shop, so a problem product is visible instead of averaged away.
From application to processing
The application asks about the product as well as the company — that is the part that decides, and it is why the answer comes from a person.
About 15 minutes
The application
Seven guided steps, any order, saved as you go.
Within 24 hours
An answer from a person
Ingredients and claims get read, not scored.
The same week
Live, with alerts on
Methods on, payouts scheduled, dispute alerts running from day one.
After that
Subscriptions and refills
Recurring-capable methods switched on, bundles placed in the checkout.
The methods that matter here
Cards and wallets first, because they are the ones that can be charged again — a subscription on a one-off local method cannot renew. The specification table on each method page states it per method.
What we ask in return
This category can be run well or badly, and the difference shows up in the dispute ratio within two months. These four are what separates them.
Do that, and the alerts have something to work with instead of a backlog.
Ask us about your storeClaims you can stand behind
What the product does, in words a regulator would also accept. Overpromising is the most expensive marketing there is.
A subscription people remember
Clear terms at checkout, an email before each renewal, and cancellation that takes one click. Most subscription disputes are memory problems.
A recognisable name on the statement
Your brand, not a holding company. A line nobody recognises is a dispute waiting to happen.
Refunds you honour
Refund before the case escalates. It costs less than a chargeback and keeps your ratio where it needs to be.
Supplements & wellness, answered
Do you accept supplement and wellness brands?
Yes. What we look at is the brand: what is in the product, what you claim it does, how support and returns are run, and how your subscriptions are presented. Those decide the dispute ratio far more than the category does.
Which methods can carry a subscription?
Cards, Apple Pay, Google Pay and PayPal can be charged again; among local methods it is the exception. Every method page states it in the specification table, so you can see it before you build the flow.
What do the dispute alerts actually do?
Card issuers often notify us before a chargeback is filed. You get the case while it is still a question, and a refund inside that window resolves it — no chargeback, no fee, no effect on your ratio.
My ratio is already high. Is it worth applying?
Tell us the number and what caused it. A ratio driven by one product or one badly worded subscription is a different conversation from a ratio driven by the whole catalogue, and we would rather have that conversation than read it off a form.
Can I sell to other countries with the same setup?
Yes. The payment method each market expects is switched on per store, and everything settles into the same balance on the same payout schedule.
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