Supplement, nutraceutical, peptide and wellness brands get shut down by mainstream processors the moment their products are flagged. WRFS pairs the right banking relationships with hands-on risk expertise so merchants can process reliably, recover more disputes and keep growing.
Official Payments Partner
Our members spend years building serious wellness and sports brands — and payments is the thing that quietly holds too many of them back. WRFS is the team I point our community to, because they give the same thing we promise at every event: straight answers from people who actually know the space.
You set up PayPal, QuickBooks or Stripe. It works for a few months, then they discover what you sell and freeze the account. International buyers want to pay by card, not wire, and a single chargeback can wipe out a sale already shipped.
Mainstream processors are built for ordinary risk. WRFS is built around the vertical: show the real account picture, identify the weak spots, and create a more stable path for card acceptance domestically and worldwide.
Every vertical carries different underwriting appetite, different pricing and different pitfalls. Each industry page covers what actually applies to your business — including published rate tiers.
Retail and ecommerce apparel brands overpaying on flat-rate processing. Cleaner pricing, BNPL to lift order values, and room to grow.
See Activewear Rates → High-Risk ClassifiedAnything ingested — vitamins, protein, botanicals. Stable dedicated accounts that don't vanish overnight, plus subscription billing done right.
See Supplement Rates → Mixed RiskStudios, spas, recovery tech and devices. One stack for in-person and online payments, memberships and equipment financing.
See Wellness Rates → Specialist UnderwritingThe hardest vertical to board — and the one where the right banking relationship matters most. Individually underwritten, honestly handled.
How Peptide Boarding Works →Supplements, nutraceuticals, peptides and wellness are core, not an exception WRFS tolerates.
Senior risk review monitors volume and flags issues with banks before they become problems.
Multiple acquiring relationships help prevent a single freeze from taking the business offline.
Verifi, Ethoca and RDR auto-refund tools help intercept disputes before they post as chargebacks.
Legitimate transactions can be fought with checkout, shipping and order documentation.
Capture card-paying customers across Latin America, the Caribbean and beyond.
Affirm, Klarna and payment plans let customers buy now and pay over time.
Merchant financing can support inventory, new product lines, hiring or marketing pushes.
The fastest way to see what a merchant is really paying is to look at the numbers. WRFS reviews 6 months of current processing statements and comes back with a clear read on where the account stands and where it could do better.
Pricing, effective rate, reserves, approvals, chargebacks, refunds, account health and whether WRFS can beat, match or add redundancy.
Findings are based on the information contained in the statements provided. A deeper analysis, including approval detail, authorization data and decline reasons, may require additional gateway or processor reporting.
WRFS prices on interchange-plus: card-brand interchange passes through at cost and the WRFS margin sits on top, published in tiers that drop as monthly volume grows. A supplement brand and an apparel brand carry different risk — so they see different tables, on their own industry pages. What nobody sees: teaser rates, hidden mark-ups or pricing that depends on how hard you haggle.
Card-brand fees pass straight through. The statement shows exactly where every basis point goes.
The WRFS margin steps down as monthly volume climbs — growth is rewarded automatically, no renegotiation required.
Each industry page publishes its own tier table, calibrated to that vertical's real underwriting risk.
Membership connects wellness and sports businesses with each other, and with a growing set of perks built around the people behind the brands.
Networking events for wellness and sports business owners.
Member access and exhibitor discounts as the show platform expands.
An emerging validation mark for merchants who process clean.
Newsletter, partner network and practical merchant benefits.
“The statement review found fees we didn't even know we were paying. The switch paid for itself in the first month, and nobody has frozen anything since.”
“We'd been shut down twice before finding WRFS. Having a backup account in place changed how we sleep at night — and how confidently we spend on ads.”
“They explained our own statement to us better than our old processor ever did. Transparent pricing turned out to mean exactly that.”
Refer a business to WRFS and earn 10% of the revenue WRFS makes on their account — paid out for as long as they keep processing. Not a one-time bounty. A residual.
The mechanics behind the surprise shutdown — and the warning signs that one is coming.
Read Article → PricingThe five-minute calculation that shows what processing really costs.
Read Article → GrowthRecurring revenue can multiply a brand's value — or bury it in chargebacks. The difference is the setup.
Read Article →Get practical payments insight for wellness and supplement brands — new guides, rate updates and risk alerts worth knowing about. No spam, unsubscribe anytime.
Upload PDF statements and the WRFS team will review pricing, account health, chargebacks, refunds and available next steps.
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Pricing, disputes, refunds, reserves and processing fit are checked.
Plain-English findings and available options. No commitment, no obligation to switch.