Supplement and Nutraceutical Billing After an Acquirer Exit

Peer Pay can run beside cards for customer-initiated orders without a processor-held reserve or stored card credential.

Restricted categories require prior written approval from Peer. Production access is subject to merchant, product, and jurisdiction review.

Product claims and recurring billing drive account risk

Supplement businesses can lose processing because of product claims, negative-option mechanics, dispute performance, or a policy change upstream. A replacement merchant account may restore cards but preserve the same dependency.

Peer Pay creates a separate checkout rail for actively approved purchases. It can support first orders and customer-initiated reorders while existing cards continue serving compliant subscriptions.

What changes with Peer Pay

Peer Pay is checkout software, not a payment processor or merchant account. The customer starts a payment from a supported app, a cryptographic proof verifies the transfer, and USDC settles to a self-custodial wallet controlled by the brand. Peer does not hold the merchant's funds, so this flow has no processor balance, rolling reserve, or payout schedule.

That different settlement path does not change the underlying sale. The merchant still owns product eligibility, licensing, customer checks, fulfillment, refunds, taxes, disclosures, and every rule that applies in the places it serves.

How the payment works

Create the order. Use a hosted payment link, ecommerce integration, embedded checkout, or Scan to Pay at the counter.
The customer chooses a supported app. They review the recipient and amount, then approve the payment on their own device.
Wait for proof. Peer verifies the transfer before the order is marked paid. A screenshot is not payment confirmation.
Reconcile settlement. USDC reaches the wallet controlled by the brand, and the dashboard keeps the payment tied to the order.

When the fit is strongest

You want a second payment rail that does not create a processor-held balance.
Your customers already use supported payment apps and can approve each purchase themselves.
You can receive USDC in a self-custodial wallet and reconcile it into your own operations.
Your labeling, claims, subscription disclosures, and renewal consent are review ready.

Before you launch

Peer Pay does not make an unlawful health claim permissible or remove substantiation requirements.
There is no automatic card-on-file autoship; customers approve each Peer Pay reorder.
Nutraceuticals and supplements making health claims are restricted and require prior written approval from Peer.

FAQ

Can Peer Pay replace automatic autoship?

Not directly. Peer Pay is a push payment the customer starts. Brands can use it for first orders and actively approved reorders.

Does Peer Pay review product claims?

Peer may review the merchant and catalog, but the seller remains responsible for lawful, substantiated claims and compliant labeling.