Specialized wellness acquirers
Banks that underwrite MCC 5499 with continuity-billing models, free-trial flows, and compliant marketing claims. Approvals in days, not weeks.
// INDUSTRIES
Payments for health and wellness brands.
Vitamins, supplements, sleep aids, nootropics, beauty + skincare, weight-management, and consumer-health DTC. Continuity-billing infrastructure with FTC-compliant trial-to-continuity flows and chargeback management built in.
// THE CHALLENGE
Health and wellness DTC pairs aggressive consumer marketing with continuity billing — a combination that mass-market processors flag and terminate. Visa's Integrity Risk Program and Mastercard's Excessive Chargeback Program actively monitor the category, and one trial-to-continuity flow that doesn't meet network expectations can put the whole account at risk.
// HOW VON PAY SOLVES IT
Von partners with acquirers that already underwrite the wellness category. Onboarding includes a review of trial-to-continuity language, auto-renewal disclosure, and cancel-flow friction so you're set up to pass VIRP / ECP thresholds from day one. Chargeback management (alerts, 3DS2, representment) handles the elevated baseline.
// WHAT YOU GET
Built around how this vertical actually runs.
FTC-compliance-aware setup
Trial-to-continuity language review, auto-renewal disclosure, cancel-flow friction reduction. Designed to pass VIRP / ECP thresholds from day one.
Chargeback ratio defense
Ethoca + Verifi alerts, 3DS2 authentication, pre-dispute representment. Keeps continuity-billing wellness brands under Visa's 1% threshold.
// COMMON QUESTIONS
What underwriting usually asks about this vertical.
- What kinds of wellness brands do you support?
- Vitamins and minerals, sleep aids, nootropics, weight-management, beauty + skincare, fitness supplements, and similar consumer-health DTC categories. Underwriting handles MCC 5499 routing, FTC-compliant marketing-claims review, and trial-to-continuity flow setup.
- How do you handle FTC-compliant trial-to-continuity flows?
- Free-trial and intro-offer continuity-billing models are heavily scrutinized by Visa Integrity Risk Program (VIRP) and Mastercard Excessive Chargeback Program (ECP). Underwriting reviews trial language, auto-renewal disclosure, billing-frequency clarity, and cancel-flow friction during onboarding so you pass network thresholds from day one rather than retrofit later.
- How do you keep chargeback ratios under 1%?
- Three-layer defense: (1) pre-authorization risk scoring on order placement, (2) Ethoca + Verifi alert resolution before disputes file, (3) representment workflow for the chargebacks that file anyway. Plus clear billing descriptors, tracking links in confirmation emails, and friction-light cancel.
- Do you accept aggressive marketing-claim wellness merchants?
- Subject to FTC compliance review of marketing claims and substantiation evidence. Aggressive 'cure' or 'guaranteed weight loss' claims won't pass underwriting. Compliant clinical-substantiated claims with reasonable language usually approve.
- What's typical settlement timing for wellness merchants?
- Standard merchants: 24–48 hour settlement. New continuity-billing wellness merchants may have a 5–10 day rolling reserve during initial volume ramp, released back as chargeback ratios stabilize. Reserves track real risk metrics, not perpetual.
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Twenty minutes from first message to signed application. Underwriting decisions same-day for low-risk vectors. Specialty verticals get human review.