Your Bank Wasn't Built For Your Business. Vellis Is.
Supplements businesses face account freezes, payment processing refusals and banking friction that generic providers aren't equipped to handle. Vellis provides payment processing and business banking directly - built for evolving risk classifications, high-volume e-commerce and cross-border distribution.
No intermediaries. You work directly with Vellis.
A fast-growing sector caught in an ever-shifting regulatory and risk landscape.
Yet most payment processors classify supplements businesses as high-risk by default.
Your payment infrastructure needs to scale with your growth.
An industry this large deserves stable, professional financial infrastructure.
The Real Problem
Supplements businesses operate in one of the most commercially dynamic - and most payment-unstable - sectors in retail. Here's what that costs you.
Your payment processor flags or closes your account - often without explanation.
Supplements occupy a grey zone for most payment processors. Health claims, active ingredients, evolving regulatory classifications - all of these create automated risk flags that have nothing to do with your actual business practices. A product launch, a category expansion, or a volume spike can be enough to trigger a review or a termination. Your revenue freezes while you wait for a response from a compliance team that has never looked at a supplement label in their lives.
Your subscription and recurring revenue model is fragile.
Subscription boxes, auto-replenishment programmes and recurring bundles are among the highest-margin, highest-retention models in supplements e-commerce. But standard billing infrastructure wasn't built for these models. Failed renewals, card declines and manual follow-ups are eroding the revenue that should be your most predictable.
Chargebacks are a constant threat - and mainstream processors respond badly.
Supplements businesses attract more disputes than most retail categories - health claims, results expectations, subscription cancellation confusion. Generic processors respond to chargeback spikes with account warnings and terminations, without any context for the nature of the disputes. A bad month shouldn't destroy the infrastructure your business runs on.
International expansion exposes you to a patchwork of banking and regulatory challenges.
Selling supplements across borders means navigating different ingredient restrictions, labelling requirements, import regulations and - critically - payment and banking setups that have to work across all of it. Without the right infrastructure, international growth creates operational fragility, not scale.
What Vellis Provides
Direct payment processing and business banking - built and operated by Vellis for the risk profile, transaction volumes and growth ambitions of supplements businesses.
Payment processing
Stable, category-aware processing
Accept payments for supplements products online and in-person, without account flags driven by product category or health claim classifications.
Subscription & recurring billing
Manage auto-replenishment programmes and subscription boxes without manual follow-up.
Multi-currency checkout
Serve international customers in their currency with live market rates and no hidden conversion margins.
Chargeback & fraud monitoring
Calibrated to supplements transaction profiles, not a generic retail risk model.
High-volume processing support
Built for the scale of e-commerce supplements operations without account instability.
Business banking
Accounts built for supplements revenue models
High-volume, subscription-based transactions assessed by people who understand your sector.
Multi-entity structuring
For supplements groups or brands operating across several markets or legal entities.
Fast onboarding
No months-long compliance reviews that treat your established business like an unknown risk.
EMI & fintech-backed accounts
Access to Vellis-operated solutions beyond what traditional banks offer to supplements businesses.
Dedicated sector expertise
Supported by people who understand supplements e-commerce operations.
Pain Point to Outcome
What changes when your financial infrastructure actually fits your business.
Your current pain point
Account flagged or closed due to product category
Subscription revenue lost to failed renewals
Chargebacks threatening your account status
International customer friction and FX costs
Banking gridlock when expanding into new markets
Volume spikes triggering compliance reviews
What you get with Vellis
Infrastructure built for supplements operations - fewer flags, faster resolution.
Recurring billing that works reliably - less manual follow-up, more revenue.
Risk monitoring calibrated to your transaction profile, not blanket retail thresholds.
Multi-currency checkout with live rates and no hidden conversion margins.
Multi-jurisdiction account setup, fast-tracked through Vellis directly.
Processing infrastructure built for supplements e-commerce scale.
Why Vellis
Built for high-volume, complex and internationally operating businesses - with the track record to prove it.
Companies operating directly on Vellis infrastructure
Industries served, from regulated to high-risk.
Global
Coverage across multiple jurisdictions and currencies.
You work directly with Vellis - no intermediaries, no black boxes. From your first consultation to your live account, every step is handled by Vellis. You always know who owns your setup, who to call, and what happens next.
We'd had two processors terminate our account in the same year. Vellis understood our product range and subscription model without us having to justify every ingredient. We were back processing within ten days.
CEO, Supplements E-Commerce Brand
Who We Work With
Vellis directly serves supplements businesses at every stage of growth.
Supplements e-commerce brands
Managing high volumes, subscription models and international customer bases.
Wholesale supplements distributors
serving retail and healthcare clients across multiple markets.
Private label supplements manufacturers
Handling high-value B2B transactions and complex product catalogues.
Multi-brand supplements groups
Operating across several product lines or legal entities with consolidated banking needs.
How It Works
From first conversation to live infrastructure - handled directly by Vellis, start to finish.
Tell us about your business
Share your structure, product categories, subscription model, volumes and target markets. Not a generic form - a real conversation with a Vellis specialist who understands the risk environment supplements businesses operate in.
We build the right setup for you
Vellis designs a payment and banking configuration tailored to your product profile, risk classification and growth stage. A direct-to-consumer brand and a wholesale distributor have different needs - your setup reflects that.
Go live on Vellis infrastructure
Onboarding is guided by Vellis end-to-end. Once live, you operate directly on our infrastructure - with a dedicated point of contact, full visibility over your setup, and no middlemen in the chain.
Stop letting payment instability limit what your supplements business can build.
The global supplements market is growing at nearly 9% a year. Your payment and banking infrastructure should grow with it - not flag it. 500+ businesses already operate directly on Vellis.
FAQ
Supplements Businesses
Vellis is a direct provider - not a broker, not a referral service. We provide payment processing and business banking directly to your business. No intermediaries, no black boxes. You always know who owns your setup, who to contact, and how your payments and accounts are structured.
A previous decline does not automatically prevent a supplement business from being considered. Vellis reviews why the application may have been rejected and whether the underlying issue can be addressed. This may include product category concerns, unsupported marketing claims, unclear fulfillment practices, high chargeback ratios, subscription transparency, incomplete documentation or market restrictions. Vellis also considers processing history and relevant screening information, including the MATCH list and OFAC checks where applicable. The goal is to understand the full risk profile before deciding whether an eligible processing solution can be structured.
Yes. Vellis operates globally, across any country that is not OFAC listed. Vellis can support eligible international supplement businesses where the products, marketing, payment flows and target markets meet applicable requirements. International sales add additional considerations, including local product rules, payment method preferences, currency presentation, shipping practices and country-specific restrictions. Vellis assesses the business model and intended markets before determining what processing structure may be suitable. Approval remains subject to underwriting and the requirements that apply to each market and processing partner.
Yes. From a newly launched D2C supplements brand to a high-volume international distributor, the solution we build is always tailored to your actual structure, volumes and growth stage.
Vellis supports a broad range of supplement business models, subject to individual underwriting, product review and applicable regulatory requirements. This may include mainstream vitamins and minerals, sports nutrition products, wellness-focused supplements, specialty formulations and other eligible categories. Approval depends on factors such as the product catalogue, ingredients, claims, sales model, fulfilment setup, target markets and processing history. As an authorized provider, Vellis reviews each business on its own merits rather than assuming that every supplement operator presents the same level of risk.
Vellis can assess eligible businesses selling weight loss supplements, but approval is not automatic. These products can receive closer processor scrutiny because of ingredient profiles, advertising language, subscription models and customer expectations. Vellis reviews the complete setup, including the catalogue, product pages, marketing claims, billing structure, fulfilment practices and target markets. The focus is on whether the business can meet processor and regulatory requirements without making unsupported product claims. Vellis acts as an authorized provider and evaluates each application individually before recommending a suitable processing structure.
Vellis can review businesses offering nootropic and cognitive enhancement supplements where the products, claims and operating model meet applicable requirements. This category often requires careful assessment because marketing language can move beyond permitted product descriptions if it implies medical or therapeutic outcomes. Vellis reviews ingredients, product positioning, website content, recurring billing practices and geographic markets before determining whether the business is suitable for processing. Operators can learn more about the sector-specific approach on the Supplements industry page.
Emerging or novel compounds are assessed case by case. Vellis does not rely only on a product category label because processor risk can change depending on the ingredient, formulation, marketing language, market availability and regulatory status in the countries being served. During onboarding, Vellis may request product lists, ingredient information, supplier documentation, website examples and details of how the products are promoted. As an authorized provider, Vellis uses this information to determine whether a suitable processing route is available and what additional controls or documentation may be required.
Yes, Vellis can assess supplement groups that operate several brands, stores or product lines. Multi-brand structures require clear visibility into which legal entity owns each brand, how products differ, where transactions originate and how fulfilment and customer service are managed. Vellis may review each brand separately even when they sit within the same corporate group, because risk can vary by catalogue, marketing claims and customer profile. A well-structured portfolio setup can also simplify reporting, reconciliation and operational oversight while keeping individual merchant activity easier to understand.
Vellis can help eligible supplement operators plan payment infrastructure for geographic expansion. The review typically covers target countries, expected volumes, currencies, payment methods, product eligibility, fulfilment arrangements and the merchant's existing processing history. Expansion should be planned before launch because a setup that works in one market may not be appropriate in another. Vellis can assess how the payment structure needs to change as the business grows. More information on sector-specific support is available on the Supplements industry page.
Mainstream processors use automated risk logic that treats supplements as high-risk by default - regardless of your ingredients, your health claims approach or your chargeback history. Vellis processes payments through infrastructure built for supplements businesses. Your profile is assessed properly from the start. The only case where it would be difficult for us to help is if your business has been placed on a MATCH list.The only case where it would be difficult for us to help you is if you have been put put on a match list.
Yes, depending on your e-commerce or subscription management platform. Vellis can support eligible supplement businesses using subscription, membership or auto-refill billing models. The setup is reviewed for clear customer consent, transparent billing terms, accessible cancellation procedures and accurate descriptions of renewal frequency. These details matter because recurring billing can create disputes when customers do not understand when or why they are charged. Vellis works with operators to align the payment setup with their commercial model while meeting processor requirements. The result is a billing structure designed to support recurring revenue without relying on unclear checkout flows or hidden renewal terms.
Vellis can support multi-currency payment structures for eligible supplement merchants operating across multiple markets. The available setup depends on the acquiring arrangement, supported currencies, settlement preferences and customer locations. Multi-currency checkout can help present prices in a format that is familiar to international customers, while the merchant still needs to understand settlement, conversion and reconciliation implications. Vellis reviews these requirements as part of the broader payment architecture. The focus is on creating a practical cross-border setup rather than promising fixed or predictable foreign exchange outcomes.
Vellis helps supplement operators understand the payment and operational factors that influence chargeback risk. For subscription models, common areas of attention include unclear renewal terms, difficult cancellation processes, delayed fulfilment, customer service gaps and billing descriptors that customers do not recognise. Vellis may review dispute history, chargeback ratios and recurring billing practices during onboarding and ongoing account management. Operators should maintain clear records of customer consent, order fulfillment, refund handling and communication. Strong documentation does not eliminate disputes, but it can make the overall payment program easier to manage.
Vellis can assess high-volume direct-to-consumer supplement businesses and structure processing based on transaction volume, average order value, sales channels, chargeback history, fulfilment capacity and geographic reach. Higher volumes require more than simple payment acceptance because sudden changes in traffic or order patterns can trigger additional processor review. Vellis evaluates the operating model and helps align processing capacity with expected demand. For a broader view of how Vellis supports supplement merchants, visit the Supplements industry page.
Failed renewals can happen for many reasons, including expired cards, insufficient funds, issuer declines or outdated payment details. Vellis can support payment setups that use appropriate retry logic, account updater capabilities where available and clear customer communication to improve recovery rates. The objective is to reduce avoidable subscription loss while respecting processor rules and customer consent. Retry strategies should not be overly aggressive, and merchants should monitor decline reasons to identify recurring patterns. A well-managed renewal process can help supplement operators protect recurring revenue without creating unnecessary disputes.
Vellis can help eligible supplement merchants prepare for planned traffic and sales increases, but no provider can guarantee that a processor will never review unusual activity. Large promotional campaigns, influencer launches or seasonal offers can create transaction patterns that differ sharply from historical behaviour. Vellis encourages operators to share forecasts, campaign timing, expected volume changes and fulfilment capacity in advance. This gives the processing setup a clearer operational context and can reduce avoidable surprises. Transparent planning is especially important when transaction volume, average order value or geographic mix changes quickly.
Cross-border supplement sales involve more than accepting an international card. Operators need to consider whether the products can be sold and shipped into each destination, how duties and delivery expectations are communicated, and whether returns or refunds can be handled efficiently. Payment risk can increase when shipping times are long or customers are unclear about where an order is fulfilled. Vellis reviews these operational factors alongside transaction flows because fulfilment and payment performance are closely connected. Merchants remain responsible for meeting the legal and regulatory requirements that apply to the products they sell.
Unfortunately, yes. Traditional banks apply generic risk criteria that weren't designed for supplements revenue models. Product-specific descriptors, subscription billing patterns and high-volume operations can all trigger unnecessary reviews. Vellis accounts are managed by people who understand supplements businesses - your profile is expected and understood.
Yes. Multi-jurisdiction banking is core to what Vellis does. As long as the country is not OFAC listed, Vellis structures your accounts across markets from a single point of contact.
A standard account is built for a generic business profile. A Vellis account is structured around yours - your product categories, subscription model, entity structure and markets. In practice: fewer unexpected reviews, faster resolution, and direct access to Vellis rather than a generic customer service system.
A real conversation - not a sales pitch. Format and timing are flexible: call, video or email, based on your preference. A Vellis specialist will ask about your business structure, product categories, subscription model, current payment and banking setup, and volumes. From there, you get a clear picture of what we'd recommend and what the process looks like. No pressure, no jargon, no commitment required.
For most businesses, the process is done within a couple of weeks. After your consultation, we give you a clear timeline based on your specific structure and jurisdiction - with no surprises mid-application.
Standard business documentation, plus product information and any relevant regulatory certifications. Vellis gives you a complete, tailored document list upfront so there are no unexpected requests mid-process.
Marketing claims are an important part of supplement underwriting because processors may assess not only what a product contains, but also how it is presented to customers. Vellis reviews product pages, landing pages, advertising language and other customer-facing materials for statements that may create regulatory or processor concerns. Particular attention is given to claims that imply diagnosis, treatment, prevention or guaranteed outcomes. Vellis does not make medical judgments about a compound. The purpose of the review is to identify payment-risk issues and determine whether the merchant's marketing is compatible with the available processing options.
Claims that suggest a supplement can diagnose, treat, cure or prevent a disease can attract significant processor scrutiny. Reviews may also be triggered by guaranteed results, highly specific outcome promises, before-and-after messaging that implies certainty, or statements that go beyond the documented positioning of the product. Risk can also increase when advertising and product pages use inconsistent claims. Supplement merchants should keep marketing language accurate, supportable and aligned across channels. Vellis reviews these factors from a payment acceptance perspective and does not endorse medical or therapeutic claims about any product or ingredient.
Supplement marketing pages should make the commercial offer easy to understand. Product descriptions, pricing, delivery terms, refund policies and subscription conditions should be visible and consistent with the checkout experience. Avoid exaggerated or unsupported claims, and do not use page elements that could mislead customers about expected outcomes. It is also useful to keep company details, customer service information and cancellation instructions easy to find. A clear page structure helps processors understand what is being sold and how customers are treated, which can make underwriting and ongoing account reviews more straightforward.
Vellis can provide payment-focused guidance on the website elements that processors commonly review during underwriting. This may include product descriptions, pricing, recurring billing disclosures, refund and cancellation policies, contact information, fulfilment terms and the consistency of marketing claims across landing pages and product pages. The exact requirements depend on the catalogue and target markets. Vellis does not provide medical or legal approval of product claims. For additional sector context, see the Supplements industry page.
Material changes to product positioning or marketing claims should be reviewed before they create a mismatch between the approved business profile and the live website. Vellis encourages supplement merchants to communicate significant changes, especially when launching new product categories, new ingredients, new landing pages or stronger promotional claims. Depending on the change, additional documentation or processor review may be required. Ongoing transparency helps keep the processing relationship aligned with the merchant's actual activity. Vellis can assess the payment implications of those changes as an authorized provider, but it does not validate medical or therapeutic claims. Start Your Application