If your product is ingested, mainstream processors classify you as high-risk — usually after you've been processing for months. WRFS boards supplement brands on dedicated merchant accounts that are underwritten for what you sell on day one, so there is no day-90 surprise.
You launched on Stripe or Shopify Payments because it took five minutes. Sales grew. Then an automated review discovered the word "supplement" — and the account froze with your money in it, mid ad-campaign, no human to call. Nothing about your business changed. Their appetite for it did.
The acquiring bank knows exactly what you sell before the first transaction. No later 'discovery,' no surprise exit.
Multiple acquiring relationships mean a single bank decision can't take the business offline.
Verifi, Ethoca and RDR intercept disputes before they post — critical for keeping ratios inside card-brand thresholds.
Recurring billing, dunning and card-updater tools that keep continuity revenue flowing and compliant.
Supplements are the perfect subscription product: consumable, replenished monthly, bought on habit. Amazon proved it with Subscribe & Save. A brand doing one-time sales only is leaving its most valuable revenue — predictable, repeating, compounding — on the table.
But continuity billing done carelessly is how supplement merchants destroy accounts: surprise charges, hard-to-cancel terms and silent renewals generate the chargebacks that get MIDs terminated. Done properly — clear terms at checkout, easy cancellation, renewal reminders, smart dunning — subscriptions raise lifetime value dramatically while keeping the account healthy. WRFS sets up the second kind.
Interchange-plus, published up front. Card-brand interchange passes through at cost — the WRFS margin is the only variable, and it drops as volume grows. No teaser rates, no surprise mark-ups buried on page four of a statement.
| Monthly Volume | Per Transaction | Rate |
|---|---|---|
| $0 – $50K / moGetting started | $0.30 | IC + 1.50% |
| $50K – $150K / moScaling | $0.25 | IC + 1.35% |
| $150K – $500K / moEstablished | $0.20 | IC + 1.20% |
| $500K+ / moTalk to the team | — | Custom pricing |
Rates shown are representative interchange-plus pricing for qualified supplement merchants and are confirmed at underwriting based on processing history and risk profile. Interchange and card-brand fees are passed through at cost. High-risk classification affects the margin, not the honesty of the pricing.
Why processors freeze supplement accounts, the warning signs one is coming, what stable processing actually requires — and the subscription playbook that grows revenue without wrecking your chargeback ratio. Five pages, zero fluff.
“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.”
Upload the last 6 months of PDF statements. WRFS reviews pricing, chargebacks, reserves and account health — and maps a stable processing path before the next automated review finds you.
Upload up to 6 PDFs with basic contact details.
Pricing, disputes, refunds, reserves and processing fit are checked.
Plain-English findings and available options. No commitment, no obligation to switch.