The operators behind the MCC.
Supplements and wellness
Nutraceuticals, vitamins and wellness products under MCC 5122.
CBD retail
Jurisdiction-compliant CBD under MCC 5912, with the compliance file to prove it.
How card networks classify this vertical.
Typical ranges from our MCC catalogue: indicative, not a quotation. Reviewed 30 October 2026. The acquirer makes the final code assignment and sets final terms.
| MCC | Description | Risk tier | MDR (IC++) | Rolling reserve |
|---|---|---|---|---|
| 5122 | Drugs, Drug Proprietors & Druggists' Sundries | Elevated | 0.5% - 3% | 5% - 15% |
| 5912 | Drug Stores & Pharmacies | Elevated | 0.5% - 3% | 5% - 15% |
Not sure which code applies? Run the 60-second MCC lookup.
What actually decides your file.
The vertical carries history
Weight-loss and free-trial offers made nutra a byword for misrepresentation disputes (Visa 13.5), the hardest cardholder-dispute code to win. Acquirers underwrite against that history, so clean operators must show they are not it.
CBD is a jurisdiction question
CBD placement turns on jurisdiction-by-jurisdiction compliance. Documented legality per market sold into is the first thing an underwriter checks.
Continuity needs discipline
Many nutra offers are continuity offers, which means scheme subscription rules apply in full: disclosed terms, visible cancellation, correct recurring flags.
The BZNpay playbook for nutraceuticals and cbd.
01
Offer transparency
Pre-purchase terms, consent logs and itemized receipts structured so a misrepresentation claim has nothing to attach to.
02
Jurisdiction file
For CBD, a market-by-market legality and labelling file that lets the acquirer say yes with confidence.
03
Specialist matching
Acquirers who underwrite 5122 and 5912 knowingly, rather than discovering the vertical at first review.
What partners typically ask nutraceuticals and cbd merchants for.
- Market-by-market product compliance file
- Offer terms and consent logs
- Refund policy
- UBO declarations
- Continuity billing disclosures
Send what you have; we tell you plainly what is missing. KYB documents are requested after qualification, through a secure channel, and underwriting decisions rest with the acquiring partner.
Free tools for your file:
MCC lookupChargeback risk calculatorReason codesLicense lookupGlossaryHigh-risk guideNutraceuticals and CBD questions.
Do you place CBD merchants?
Yes, jurisdiction-compliant CBD retail. Placement turns on documented legality in each market you sell into. THC products outside those bounds are not placeable on card rails.
What terms are typical for nutra?
From our MCC catalogue, 5122 and 5912 typically carry 0.5 to 3% MDR IC++ with rolling reserves of 5 to 15%. Continuity offers sit at the higher end until the dispute record proves out. Final terms are set by the acquirer.
We run subscription offers. Is that a problem?
Not if the flow is clean: disclosed terms before purchase, visible cancellation, correct recurring flagging. The vertical’s reputation came from operators who skipped those steps.
Get your nutraceuticals and cbd file in front of the right acquirer.
Tell us about your business. Qualified files typically come back within 24 hours with 2 or 3 partners whose appetite fits, confidential by default.
Discuss nutra acquiring →Also placed every week.
iGaming
Sportsbooks, casinos, poker, DFS. Licensed operators in regulated and newly regulating markets.
Crypto and Web3
Exchanges, on-ramps, wallets, NFT marketplaces. Card acceptance for MiCA-compliant operators.
Forex and CFDs
FX brokerage, CFDs, prop firms. Complex structures, clean settlement.
Travel and OTAs
Airlines, booking platforms, DMCs. Solutions for chargeback exposure and cross-border volume.
Digital Entertainment and Creator Economy
Subscription platforms, content networks, creator payouts. High AOV merchants welcome.
Subscriptions and Digital
SaaS, streaming, gaming, dating. Recurring billing with descriptor and dunning optimization.
Dating
Mainstream and niche platforms, with compliant checkout and anti-fraud controls.
Prop Trading
Funded-trader programs and evaluation fees, underwritten on the strength of the compliance file.