Industries / Supplements
Stripe restricts supplements. Settle does not.
Supplements, nutraceuticals, nootropics, peptides, research chemicals — wherever your products are legal to sell. 0.5% per transaction. Your processor does not become your FTC compliance officer.
Cost
The math.
| Nutra-specialty processor | Settle | |
|---|---|---|
| Per-transaction fee | 3–6% | 0.5% |
| Claim-substantiation review | Required by processor | Not by Settle |
| Rolling reserve | 5–15% × 6mo | None |
| Chargeback threshold | Account closed at 1% | No chargebacks |
| Subscription friendly | Card-on-file required | Per-invoice authorization |
| Settlement time | T+3 to T+10 | ~2s on Base |
Objections
The trade-offs, stated honestly.
Subscriptions / recurring?
Settle issues a fresh checkout per invoice. There's no card-on-file because there's no card. The merchant emails the user a fresh checkout link each cycle, or the user sets up a wallet auto-renewal. Pattern docs in MCP.
Returns and refunds?
No refunds via Settle. If your product has a return policy, you settle the refund out of band — store credit, a separate transfer. Disclosed loudly to the user at checkout.
FDA / FTC compliance?
Your responsibility. Settle is a payment rail; we don't validate health claims. Most chargeback-driven account closures in this category come from the processor's claim review, not the regulator's.
What's the trade-off?
User needs a stablecoin wallet. Pair Settle with a fiat rail for your retail traffic; Settle becomes the high-margin lane for crypto-comfortable buyers.