Nutraceutical payment processing that isn't priced like a scam
Supplement brands inherit the risk profile of every trial-offer scheme that came before them: 4 to 6% rates, reserves, and claim audits. Flint prices you like any other merchant, with zero chargebacks.
Why supplement merchant accounts are expensive and fragile
Continuity billing drives structural disputes
Subscribe-and-save customers forget they subscribed and dispute the rebill. Nutra dispute rates commonly run 1 to 2%, past the 0.9% line where card networks open monitoring programs and fines.
You're underwritten as the category, not your brand
Because deceptive trial offers burned acquirers for years, every supplement application gets the full treatment: funnel review, claim audit, fulfillment contracts, volume caps, and weeks of waiting.
One health claim can end the account
FDA and FTC rules bar disease claims, and you're liable for affiliate copy you never wrote. A single flagged ad can trigger termination with funds frozen 90 to 180 days.
Reserves starve inventory
A 5 to 15% rolling reserve held up to 180 days locks working capital exactly when a scaling brand needs it for stock and ad spend.
What changes on the Flint rail
The dispute spiral doesn't exist
Crypto payments are final. No forgotten-rebill disputes, no ratio, no monitoring program, no MATCH exposure. Refunds are customer service, not bank rulings.
100% of revenue settles same day
No reserve and no payout delay. Sales confirm on-chain in minutes and the full amount is yours to spend on inventory.
Renewals customers actively confirm
Each cycle generates a payment request the customer completes. Slightly more friction than card-on-file, zero surprise-rebill anger.
No underwriting queue
Set up products and share checkout links the day you sign up. No funnel audit, no six-week review.
Protects the card account you keep
Move a slice of volume to crypto and your card dispute ratio drops on lower volume, which keeps the MID alive for card-only customers.
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
Supplement payment questions, answered
Does crypto change my FDA or FTC obligations?
No. Labeling rules, DSHEA structure-function claim limits, and truthful-advertising requirements apply to the product and the marketing, not the payment method. Flint removes the payment gatekeeper, not the regulator.
How does subscribe-and-save work without a stored card?
On a renewal model: your store generates a payment request each cycle, the customer confirms it, and Flint's webhook triggers fulfillment. Reminder emails keep continuity, and the disputes that come from silent rebills disappear because there are no silent rebills.
What dispute rate should I compare against?
Nutra brands on cards typically run 1 to 2% disputes, with each one costing the product, a $25 to $100 fee, and ratio damage. On Flint the number is structurally zero.
Will Flint audit my marketing claims like an acquirer does?
You must sell legal products honestly; deceptive billing and fraudulent claims break our terms. But there's no acquiring bank running hair-trigger claim audits, and no fine schedule from a card network behind it.
What does processing cost?
Published plans from 5.00% + 50¢ free down to 3.20% + 25¢ on Scale, no reserve, no monthly minimums beyond the plan fee. Compare that to 4 to 6% plus reserve plus dispute costs on a nutra MID.
Do supplement buyers pay with crypto?
The share is strongest in performance, longevity, and biohacking niches. Most brands run both rails and steer volume with a small crypto discount; even 10 to 20% shifted is chargeback-free revenue that also derisks the card side.