The Payment Processor for Nutra & High-Risk Businesses

Q: Can you approve me if another processor declined me?

Often, yes. High-risk underwriting is what we do, and a previous decline or account closure doesn’t automatically disqualify you.

Q: What documents do I need to apply?

Usually business registration documents, a government-issued ID for each owner, recent business bank statements, and your website with clear refund, shipping and privacy policies. Previous processing statements help if you have them. Your specialist will confirm what your industry requires.

Q: How long does approval take?

It depends on your industry and how quickly documents are provided. Many reviews are completed within a few business days once your file is complete, and we keep you updated throughout.

Q: Which payment methods can I accept?

Visa, Mastercard, American Express and Discover cards — online, in store and on mobile — plus ACH bank payments and eChecks.

Q: Do I need my own gateway or processor?

No. TrueLinePay is your payment processor. We set up your account on the gateway and processor that fit your business, so you don’t sign separate contracts.

Q: Is my customers’ card data secure?

Yes. Payments are processed on PCI DSS compliant infrastructure with encryption and fraud screening.

Q: How much does it cost?

Card processing is 2.9% + $0.30 (3.5% + $0.30 international), plus $199/month in service charges. Final pricing depends on your business category, volume and risk assessment, and is confirmed in your merchant agreement.

Credit card, ecommerce, ACH, retail POS and mobile payment processing — with specialist underwriting for nutra, peptide, travel and other businesses mainstream processors turn away.

Get Started Book a Call

Processing through a trusted gateway & processor network

stripe
PayPal
Payeezy
Finix
OpenPath
Payment Technology
Beyond Bancard
PayArc
Group ISO
Merchant Industry
Capri Payment
Paycompass
Cardworks
Priority
DPS

Our solutions

Every way
to get paid.

01Credit Card Processing
Accept every major credit and debit card with competitive, transparent rates.
02Ecommerce Processing
Take secure card payments on your website, store or online checkout.
03Retail Merchant Accounts
Merchant accounts for shops and storefronts that take cards in person.
04POS Integration
Connect card payments to the point-of-sale system you already use.
05Mobile Payments
Accept card payments on the go with your phone or tablet.
06ACH Payments
Collect payments directly from customers’ bank accounts.
07Peptide Processing
Specialist merchant accounts for peptide and research-compound sellers.
08Travel Payments
Payment processing for agencies, tour operators and booking businesses.

Credit Card Processing

Accept Visa, Mastercard, American Express and Discover — online, in store or over the phone — through an account underwritten for your industry, so your processing stays stable as you grow.

Ecommerce Processing

Add secure card payments to your website or online store and sell to customers worldwide — with an account set up for your products, your volume and your risk profile.

Retail Merchant Accounts

Take card payments at the counter with a merchant account suited to your store — whether you run one shop or several locations.

POS Integration

Connect card processing to your point-of-sale system so sales, payments and inventory stay in sync — and your staff checks out customers faster.

Mobile Payments

Take card payments wherever you work — at a customer’s home, a job site, a market or an event — using your phone or tablet.

Payment CRM

Today$2,072.50

This month$48,290

Payments312

Customer	Channel	Amount	Status
Sarah K.	Checkout page	$249.00	Paid
Michael R.	WordPress	$89.50	Paid
Elena V.	Virtual terminal	$1,250.00	Paid
David C.	Payment link	$420.00	Refunded
Priya S.	Checkout page	$64.00	Paid

ACH Payments

Collect one-time and recurring payments straight from your customers’ bank accounts — a cost-effective alternative to cards, especially for large or repeat payments.

Peptide Processing

Peptide merchants are routinely declined or shut down by mainstream processors. We underwrite peptide businesses properly and place them with processors that accept the category.

Travel Payments

Travel businesses take payment weeks or months before the trip. We set up merchant accounts that understand future-delivery bookings, deposits and international customers.

Why TrueLinePay

You run a high-risk business. You shouldn’t have to fight for a merchant account. Declined applications, frozen funds, a gateway here and a processor there — none of it should stop you selling. TrueLinePay underwrites the businesses others turn away, and gets you paid.

High-Risk Underwriting
Card Processing
ACH Payments
Global Acceptance
PCI DSS Secure
24/7 Support

Everything you need

One processor.
Zero runaround.

01 / 04

Take Payments Your Way

Online, in store, over the phone or with a link — pick the channel that suits each customer.

Online checkoutA secure, hosted payment page

In storeRetail and point-of-sale

By phoneKey in card payments

Payment linkShare a link by email or message

02 / 04

Accept Cards Worldwide

Customers in 200+ countries can pay you with the cards they already use.

03 / 04

Approved in Days, Not Months

A real specialist reviews your documents and keeps you updated at every step.

Application receivedMon 09:12

Documents verifiedTue 14:40

Account approvedWed 11:05

Processing liveWed 11:30

04 / 04

Built for Nutra & High-Risk

Nutra, peptides, MLM, travel and more — we specialize in the businesses other processors decline.

MLM / Direct Sales Travel Nutra Supplements Online Pharmacy Extended Warranty Supplemental Insurance Smoke ShopsView all industries

Smart routing

Our Gateway & Processing Network

Your payments run through established gateways and processors. We choose the right route for your business and handle the setup — you never sign a separate contract.

stripe PayPal NMI logo

Payment Gateways

Secure, high-performance gateways that carry card details from your checkout to processing.

All 10 gateways

Payment Processors

Trusted processors for reliable transaction handling and strong approval rates.

All 15 processors

Documents reviewed
Best-fit route selected
Connected to your tools
Ready to accept cards

We Handle the Setup

No gateway applications, no processor paperwork. One TrueLinePay approval covers it all.

Start your application

By the numbers

Sell Globally Without the Paperwork

One application, one processor and everything you need to accept cards from customers around the world.

8Payment solutions under one roof

200+Countries your customers can pay from

26+High-risk industries supported

24/7Merchant support

Secure by designPCI DSS compliant checkout — card details never touch your website

How it works

From Application to Getting Paid

No gateway, no separate processor, no bank relationship to arrange.
Here’s everything between applying and your first payment.

Step 01
Consultation
Talk to a payments specialist about your business, products and volumes. We’ll recommend the right solutions and tell you what underwriting needs.
Step 02
Application
Complete a short application and upload documents for your industry — business registration, owner ID, bank statements and website details.
Step 03
Underwriting
Our underwriting team reviews your file, matches you with the right gateway and processor, and confirms your pricing.
Step 04
Activation
Your account is set up and tested, and you start accepting payments — online, in store, on mobile or by ACH.

Start Your Application

Industries

Built for the businesses
others decline.

All industries

01MLM / Direct SalesRecurring orders, distributor sign-ups and commissions-driven sales.02TravelBookings, tours and packages paid well before the trip.03NutraWellness and nutraceutical brands, including subscription offers.04SupplementsVitamins, sports nutrition and dietary supplement stores.05Online PharmacyLicensed online pharmacies and prescription services.06Extended WarrantyVehicle, device and home warranty providers.07Supplemental InsuranceSupplemental and specialty insurance products.08Smoke ShopsSmoke shops, vape and accessory retailers.

Pricing

Simple, Transparent Pricing

Every fee up front: clear processing rates and a flat monthly service charge.

Activation

Included

With every merchant account

Platform activation
Standard API integration

Pay as you sell Card processing

2.9% + $0.30 domestic

3.5% + $0.30 for international cards

Charged on successful transactions only
No platform fee on declines
$1 per refund

Monthly services

$199 /month

No minimum monthly processing fee

Platform maintenance — $49
Accounting & reporting — $50
24/7 customer support — $100

See the full charge sheet

What makes a business high-risk?

Processors look at industry, chargeback history, billing model (such as subscriptions or future-delivery bookings), ticket size and volume. Nutra, peptide, travel, MLM, firearms and telemedicine are common examples.

Can you approve me if another processor declined me?

What documents do I need to apply?

How long does approval take?

Which payment methods can I accept?

Do I need my own gateway or processor?

Is my customers’ card data secure?

How much does it cost?

Ready when you are

Let’s get
you paid.

Apply in five minutes. A payments specialist will guide you from documents to your first payment.

Start Your Application

+1 (727) 602-3964

The Payment Processor for Nutra & High-Risk BusinessesProcessing built forHigh-Risk

Every wayto get paid.

One processor.Zero runaround.