Risk level: High risk

Payment orchestration for nutra and wellness

Nutra sells supplements and wellness products on subscription, often starting with a trial, and the card schemes watch the vertical closely for chargebacks. Orchestration gives the merchant's PSP cards across several acquirers, PIX in Brazil and SPEI and OXXO Pay in Mexico — instant or cash methods without chargebacks — recurring charges by token, limits and a rolling reserve per merchant, and a journal that answers every dispute.

What goes wrong without orchestration

The only acquirer closes the account when the chargeback ratio crosses the scheme’s threshold, and the subscriptions stop with it.
Brazil and Mexico are sold by card only, and the customers who pay by PIX, SPEI or in cash at OXXO never order.
A dispute over a trial arrives weeks after the renewal, and the order, the renewal and the refund are in three systems.

What orchestration changes

Routing by BIN and country across several acquirers and cascading of a declined card to the next; recurring charges by token for the subscription after the trial, with an expired card marked before the renewal; PIX, SPEI and OXXO Pay in Latin America without chargebacks; limits per card, account and terminal, and a rolling reserve where the acquirer requires one; refunds through the acquirer that took the payment; every order, renewal, refund and chargeback journaled for five years and traceable to the customer. The merchant’s PSP enables the methods from the catalogue; the licensed acquirer settles the funds and decides what it takes.

Methods by market

Europe, North America and the Gulf: Visa and Mastercard, routed across the acquirers that take the vertical.
Brazil: PIX, instant and without chargebacks, next to cards.
Mexico: SPEI from the bank app and OXXO Pay in cash at the store; cards for the subscriptions.

Typical methods

VI Visa Cards · 22 countries Available MA Mastercard Cards · 22 countries Available PI PIX Bank transfers & instant payments · 1 countries Available SP SPEI Bank transfers & instant payments · 1 countries Available OX OXXO Pay Cash & vouchers · 1 countries Available

Frequently asked questions

Why is nutra a high-risk vertical?+

Trial-to-subscription billing and health claims bring chargebacks and scheme scrutiny; the acquirers that take the vertical set limits and reserves, and decide which merchants they take.

Who holds the licence?+

The merchant’s PSP or acquirer, Tranzify’s client. Tranzify supplies the software; it does not onboard merchants, hold funds or perform KYC.

Which Latin American methods have no chargebacks?+

PIX in Brazil and SPEI in Mexico settle instantly and carry no chargebacks; OXXO Pay is paid in cash at the store and confirmed the next day.

See the platform on your own flows

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