Why supplement brands keep losing merchant accounts
Continuity billing makes you a chargeback magnet
Subscribe-and-save and trial-offer models drive disputes from customers who forget they subscribed. Card networks don't care whose fault it is — cross 1% and your account is at risk.
Underwriters treat every supplement like a scam
Because some bad actors ran deceptive trial offers, every nutra merchant inherits the risk profile: extended underwriting, volume caps, reserves, and higher rates.
One marketing claim can end your processing
A product page or affiliate ad that oversteps on health claims can trigger processor termination — even when you fix it immediately. You're liable for your affiliates' copy.
Reserves choke growth exactly when you're scaling
Rolling reserves of 5–15% hold back the cash you need for inventory and ad spend. Fast-growing nutra brands are routinely cash-starved by their own processor.
How Flint stabilizes nutra payments
Chargebacks: zero
Crypto payments are final. The dispute-driven death spiral — ratios, fines, MATCH listing — doesn't exist on this rail. Refunds are a customer-service decision you make, not a bank ruling.
No reserves holding your cash
Revenue settles to you when the payment confirms. Nothing is held back for 180 days, so cash flows straight into inventory and growth.
Onboarding without the underwriting gauntlet
No six-week review of your funnel, claims, and fulfillment contracts. Set up products and a hosted checkout the same day.
Subscriptions without the dispute risk
Renewal-based billing means customers actively confirm each cycle — which also means no 'I forgot I subscribed' disputes, because there's nothing charged without their action.
A second rail that de-risks your card MID
Route willing customers to crypto checkout and your card chargeback ratio improves on lower volume — protecting the card account for everyone else.
Pick your plan
Monthly fee plus a rate per sale. Upgrade when volume picks up.
Starter
Free to start validating ideas.
Fees
5.00% + 50¢ per transaction
Features
- All features to sell
- Standard support
Pro
For builders & early teams.
Fees
3.80% + 40¢ per transaction
Features
- All features on Starter
- Preview access to new features
- Prioritized support
Growth
For scaling startups.
Fees
3.60% + 35¢ per transaction
Features
- All features on Pro
- Preview access to new features
- Prioritized support
Scale
For fast growing businesses.
Fees
3.20% + 25¢ per transaction
Features
- All features on Growth
- Dedicated account manager
- Custom SLAs
Nutraceuticals payment questions, answered
Are supplements legal to sell with crypto payments?
If your products are legal to sell — compliant with FDA labeling rules and DSHEA in the US, and equivalent rules elsewhere — the payment method doesn't change that. Crypto is just the rail. Your product compliance obligations stay exactly the same.
How do subscribe-and-save models work without card-on-file billing?
Each renewal generates a payment request the customer confirms — Flint's webhooks tell your store to fulfill on confirmation. It's an active-renewal model rather than a silent auto-charge, which trades a little friction for zero forgotten-subscription disputes.
My processor terminated me over an affiliate's ad claims. Does Flint monitor marketing the same way?
Flint requires that you sell legal products honestly — deceptive billing or fraudulent claims violate our terms. But there's no acquiring bank applying hair-trigger terminations over a single affiliate ad, and no card network fine schedule hanging over your account.
What happens when a customer wants a refund?
You issue it, on your policy's terms, from your balance. The difference from cards: it's always your decision made through customer service, never a forced reversal with a dispute fee stacked on top.
Do enough supplement customers actually pay with crypto?
It's a growing share, strongest in performance, longevity, and biohacking niches whose customers skew crypto-literate. Most brands run Flint alongside cards: even 10–20% of volume moving to a no-chargeback rail materially de-risks the card account.
Can I get MATCH-listed through Flint?
No. MATCH is a card-network blacklist maintained through acquiring banks. Flint doesn't operate on those rails, so there's no mechanism by which using Flint affects — or is affected by — MATCH status.