Why underwriters look closely at health & beauty
Product claims
Anti-aging, hair-growth and skin claims can cross into drug claims that regulators and acquirers watch.
Subscriptions
Replenishment offers bring renewal disputes when terms aren’t clear.
Influencer marketing
Creators promoting your products can make claims you never approved.
A payment setup that fits
How we usually set up health and beauty brands. Your consultant tailors it to how you actually sell.
- 1
Opt-in subscriptions
Subscribe-and-save with a reminder before each shipment.
- 2
Online and in person
Your store and salon or retail sales on connected accounts.
- 3
Fast fulfillment
Tracking sent automatically to prevent “not received” disputes.
What you’ll need to apply
Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.
- Government ID for every owner with 25% or more
- Voided business check or bank letter
- Recent business bank statements
- Recent processing statements, if available
- Business registration and EIN letter
- Product list and labels
- Website with refund, shipping and subscription terms
Why applications get declined, and how to avoid it
- Drug-like claims on products or in ads
- Hidden subscription terms
- Products with banned ingredients
We review your website, policies and statements against these before anything is submitted.
Keeping the account healthy after approval
Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.
- Review influencer content regularly
- Keep subscription terms on the product page
- Ship within the time you promise
Health & beauty: common questions
Why would a beauty brand be medium risk?
Claims, subscriptions and fast growth. Brands selling straightforward products at full price are often treated as low risk.
Do cosmetics need FDA registration now?
The 2022 cosmetics law (MoCRA) added facility registration and product listing for many companies. Your counsel or manufacturer can confirm what applies to you.
Can salon and online sales share an account?
Often, with separate reporting. We’ll set it up around how you sell.
What happens after I’m approved?
We stay on the account with you, watching fees, approvals and chargebacks, and tell you when there is money to save.