Supplement operators

Payment processing built for supplement operators.

You run 4 to 20 supplement brands: pre-workout, protein, sleep stack, fat burner, joint support, greens. Each one is its own LLC, its own Shopify store, its own Stripe account. When one gets flagged for "high chargeback ratio", all four freeze. That is because they are all on the same merchant root. multiflow gives you one parent ledger with per-brand descriptors and per-brand chargeback pools, so a single bad month does not end your business.

Rate band for this vertical
5.5 – 7.0% per transaction
+ setup fee · interchange passthrough
See your rate
48 hours Underwriter decision SLA
$50k – $2M Monthly volume we fit best
< 0.6% Avg. cross-brand chargeback ratio

What's costing you money right now

Three pain points
we actually solve.

01 · Pain point

One chargeback spike kills all brands

Shopify Payments and Stripe aggregate chargeback ratios at the merchant root. One bad product launch on one brand puts every brand above the 1% Visa VAMP threshold. multiflow isolates chargeback ratios per sub-brand so exposure stays scoped.

02 · Pain point

Subscription churn math is invisible

Native processors report revenue, not subscriber count. You have no idea which brand has 2,400 active subscribers vs 800. multiflow exports per-brand MRR, active subscriber count, and rolling 90-day retention in one CSV.

03 · Pain point

5 Shopify stores = 5 reconciliation exports

Your accountant gets 5 separate settlement reports in 5 different formats every month. Parent-level reconciliation means one export, one P&L, one set of chargeback line items.

12 questions · no hard pull · underwriter reply in 24-48 hours


Six supplement brands, one parent, one reconciliation export. Our accountant quoted us half the hours on day one. multiflow paid for itself in the first 90 days.

CFO
Supplement operators 5.5 – 7.0% per transaction 6-brand supplement holding co · $1.1M/mo

Partners + acquirers we route through

Nutraceutical acquirer #1 Stripe (approved brands) Apple Pay Google Pay Plaid ACH Klarna

Before you apply

Answers
to the five things you're wondering.

01 Do I need to migrate off Shopify Payments?
Not if your acquirer is healthy. multiflow sits on top of your current acquirer and routes per-brand descriptors. If you are on Shopify Payments and it is working, we just add the consolidation layer. If you have been frozen or rotated out, we will recommend a supplement-approved specialty acquirer during underwriting.
02 What about NAD+ / research-adjacent SKUs?
NAD+ and adjacent longevity supplements sit in a gray zone. If they ship as consumer dietary supplements with FDA-compliant structure/function claims, most acquirers approve. Research-only SKUs move you to the peptide / specialty acquirer track.
03 What rate should I expect?
Supplement operators land between 5.5% and 7.0% per transaction plus one-time setup fee. Volume above $500k/mo typically negotiates down to 5.5%. Interchange passes through at cost.
04 Does multiflow handle subscription billing?
Yes — parent-level recurring billing with per-brand descriptors. Compatible with ReCharge, Bold Subscriptions, Shopify native, and WooCommerce Subscriptions. SCA + dunning handled at the parent.
05 What happens if one brand gets a bad press cycle?
Chargebacks hit that sub-brand's ratio, not the portfolio's. Worst case we isolate that sub-brand onto a secondary descriptor so the rest of the portfolio stays healthy. One bad brand does not sink the whole fleet.

Stop leaking money
to a processor that wasn't built for you.

Apply once. Route every brand through one parent ledger. Underwriter-reviewed inside 48 hours. No hard pull, no obligation.

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