Payment and Banking Built for the Nutraceutical Supply Chain
From the first raw material order to the final wholesale shipment, nutraceutical businesses move large sums between suppliers, manufacturers and brand clients, often across borders, and on a schedule set by production runs. Vellis gives that supply chain payment processing and business banking that understand purchase orders, deposits and certificates of analysis, not just card transactions.
No intermediaries. You work directly with Vellis.
A $600B+ market running on B2B supply chains that payment providers rarely understand.
Global nutraceuticals market in 2025. Much of that value changes hands between businesses long before a product reaches a shelf.
Expected annual growth to 2033 - more production runs, more suppliers and more cross-border payments to handle.
North America's share of the global market in 2025, the largest of any region.
The Real Problem
Nutraceutical companies sell to other companies. Their risk sits in supply agreements, batch documentation and regulatory status, yet they are assessed with tools designed to screen consumer checkouts. Four consequences keep coming back.
An ingredient name on an invoice is enough to freeze your account.
Ashwagandha, hemp-derived extracts, mushroom concentrates: ingredients that are legal in your markets and backed by batch documentation can still match a keyword on a processor's watch list. The review that follows doesn't look at your GMP certificate or your certificates of analysis. It looks at a word. Meanwhile, client deposits sit on hold and a production slot you reserved weeks ago goes unused.
Your revenue arrives in purchase orders, not in a steady daily flow.
A contract manufacturer can invoice nothing for three weeks, then receive the balance of two production runs in a single day. A bulk ingredient supplier can take one order a month worth more than a retailer's quarter. Monitoring built for steady retail volume reads that pattern as an anomaly - and the result is holds, reserves or a request to justify every large incoming payment.
You pay suppliers weeks before your clients pay you, in different currencies.
Botanical extracts from India, amino acids from China, packaging from Europe, clients in the US and Canada. Raw materials are paid for up front, the finished batch is invoiced on delivery, and every border adds a conversion and an intermediary fee. When your bank treats each payment to a new supplier country as unusual activity, the delay lands directly on your production schedule.
One product, several regulatory classifications.
The same formulation can be a dietary supplement in the US, a natural health product in Canada, a food supplement or novel food in the EU, and a medicine elsewhere. Banks and processors rarely have the expertise to follow that. Faced with ambiguity, they default to the most restrictive reading - and a business that is compliant in every market it serves ends up treated as if it were compliant in none.
What Vellis Provides
Payment and banking tools shaped around how nutraceutical companies actually trade: purchase orders, production deposits, supplier payments and a different regulatory status in each market.
Payment processing
Catalogue reviewed by ingredient, not by keyword
Your formulations and ingredient categories are assessed once, with their documentation, at onboarding.
Production deposits and staged payments
Collect an upfront payment on the purchase order and the balance on release or shipment.
Card and bank transfer under one
Cards for samples and small orders, transfers for contract manufacturing and bulk supply.
Multi-currency invoicing
Bill international clients in their currency at live market rates, with no hidden conversion margin.
Direct support on B2B disputes
A named contact who helps you gather supply agreements, delivery records and batch documentation when a client disputes a payment.
Business banking
Accounts built for production-cycle cash flow
Handle large, irregular purchase order payments without triggering velocity reviews.
Multi-currency supplier payments
Hold and pay in the currencies your raw material suppliers invoice in.
Multi-entity structuring
Separate manufacturing, distribution and brand-holding entities under one Vellis relationship.
Fast onboarding
Your GMP certifications, product specifications and client contracts reviewed by people who know what they are looking at.
Dedicated sector expertise
Supported by people who understand contract manufacturing, ingredient supply and B2B nutraceutical distribution.
Pain Point to Outcome
Six situations nutraceutical finance teams know well, and how they change on Vellis.
Your current pain point
Account flagged because a formulation contains a scrutinised botanical or bioactive
Large production-run deposits held for review
Raw material purchases delayed by cross-border payment friction
Lumpy, irregular PO revenue triggering velocity flags
Same product classified differently in every market
Brand clients losing their processors and paying you late
What you get with Vellis
Catalogue reviewed ingredient by ingredient at onboarding, not screened by keyword
Deposit and pre-payment flows sized for contract manufacturing from day one
Multi-currency accounts and supplier payments at live market rates
Monitoring calibrated to production cycles, not to steady retail volume
A setup built around your actual regulatory status in each jurisdiction you sell into
Stable infrastructure on your side, and a route for your clients to get stable processing too
Why Vellis
Nutraceutical companies sit between food, pharmaceuticals and science, exactly the kind of business Vellis is built to serve.
Companies operating on Vellis infrastructure, across regulated and specialist sectors.
Industries served, from pharmacy and biotech to supplements and nutraceuticals.
Global
Supplier and client payments across multiple jurisdictions and currencies.
Your setup is built and managed by Vellis, with one named contact who knows your supply chain. When a large order lands, a new ingredient enters your catalogue or you open a distribution entity in another country, you explain it once - to someone who already has the context.
We run an online therapy platform serving clients across eight countries. Vellis set up our multi-currency billing and banking without any of the healthcare classification issues we'd faced with every other provider.
CEO, Digital Mental Health Platform
Who We Work With
Vellis works with the businesses that make, source and move nutraceutical products before they reach the end consumer.
Contract manufacturers
Private label, custom formulation and bulk production for nutraceutical brands and distributors.
Ingredient and raw material suppliers
Bioactive compounds, standardised extracts and functional ingredients sold to manufacturers and formulators.
Functional food and medical food producers
Regulated functional formulations, medical foods and clinical nutraceuticals.
B2B wholesale distributors
Multi-market distribution to laboratories, healthcare professionals and specialist retailers.
How It Works
Three steps, handled by Vellis and built around your production cycle rather than a standard application form.
Walk us through your supply chain
Where your raw materials come from, what you manufacture or supply, who your clients are and how they pay. A Vellis specialist uses this to understand your business before anything is submitted.
We match the setup to your production cycle
Deposit structures, payment channels, currencies and entities are configured around how your orders actually flow. A contract manufacturer with staged payments needs something different from an ingredient supplier shipping monthly bulk orders.
Start processing and paying suppliers
Once live, client payments, supplier transfers and multi-currency balances run through one Vellis setup, with a named contact for every change to your catalogue, markets or entities.
Keep your production schedule running on payment infrastructure that understands it.
Nutraceutical demand keeps growing, and so does the value moving through your supply chain. Make sure the payments that fund your next production run arrive when you need them.
FAQ
NUTRACEUTICAL BUSINESSES
Because most risk systems classify by product category, not by business model. A contract manufacturer invoicing a brand client on Net 30 carries a very different risk profile from a DTC brand running subscription checkouts; but automated screening sees the same ingredients and applies the same rules. Vellis assesses you as what you are: a B2B operation with purchase orders, supply agreements and known counterparties.
By building your setup around your actual regulatory status in each market you sell into, rather than a single label. At onboarding we map which products go where and under which framework; DSHEA in the US, NHP licensing in Canada, food supplement and novel food rules in the EU. Regulatory ambiguity is what triggers most automated flags. Documenting it up front is what removes them.
We review your catalogue ingredient by ingredient rather than screening it by keyword. What matters is that each ingredient is legal in the markets you ship to and that your documentation supports it - certificates of analysis, specifications, regulatory status. Scrutinised ingredients don't rule you out. The one situation we can't work with is a business placed on a MATCH list.
Yes. A brand client's processor termination often turns into late invoices for their manufacturer or ingredient supplier. Vellis provides stable infrastructure for your own operation, and your clients can come to Vellis for their processing too, which protects the cash flow of the whole supply chain, not just one link in it.
Yes. Contract manufacturers typically commit to raw material purchases weeks before a run starts, so securing the client deposit first matters. Vellis supports deposit and pre-payment structures - an upfront payment on purchase order, the balance on release or shipment so you're never financing a client's production run out of your own working capital.
It does with processors calibrated for retail, where a sudden large transaction looks like an anomaly. Vellis sets your expected transaction profile at onboarding: order sizes, frequency, seasonality of production runs - so a large PO landing after a quiet month is recognised as normal business rather than a risk event.
Yes. Smaller orders and sample runs often go through card payments, while contract manufacturing and bulk ingredient orders typically settle by bank transfer against an invoice. Vellis supports both channels under one relationship, so you don't need one provider for cards and another for B2B transfers.
Not if your setup is built for it. Custom formulation is the core of a contract manufacturer's business, and Vellis onboards you on that basis reviewing the ingredient categories you work with rather than a fixed product list. Entirely new ingredient categories are still worth flagging to us proactively, but routine new client formulations shouldn't trigger a fresh review.
Yes. Vellis multi-currency accounts let you hold balances in the currencies your suppliers invoice in and pay them directly, instead of converting on every payment. Exchange rates reflect live market conditions; no hidden margins added on top. You decide when to convert rather than taking whatever rate applies on the day an invoice falls due.
Yes. Vellis accounts are set up knowing that your outgoing supplier payments and incoming client payments don't line up; large outflows at the start of a run, large inflows at delivery. That profile is documented at onboarding, so the natural shape of a manufacturing business doesn't look like unusual activity.
Yes. Many nutraceutical groups keep manufacturing, distribution and intellectual property in separate entities, often in different jurisdictions. Vellis structures banking across all of them through one relationship, with documented intercompany flows and a named point of contact across every entity.
Standard corporate documents, plus sector documentation that reflects your operation: GMP or equivalent quality certifications, product and ingredient specifications, sample certificates of analysis, the regulatory status of your products in each target market, and sample client contracts or purchase orders. Vellis provides a complete, tailored list upfront so there are no unexpected requests mid-process.
For most businesses, the process is done within a couple of weeks once documentation is complete. If a production run is at stake, tell us at the first call. We can prioritise the payment flows you need first, such as receiving the client deposit, and complete the rest of the setup around it.
We need to understand who you sell to and what you produce in order to assess your account properly, but that doesn't mean disclosing proprietary formulas. Ingredient categories, product specifications and representative client contracts are usually enough. Anything you share during onboarding is used for the compliance review only.