The high-risk classification for supplement merchants is a category-level decision that applies to the product type, not to the individual business. Card networks and acquiring banks evaluate the supplement category based on industry-wide chargeback rates, FDA enforcement patterns, FTC advertising scrutiny, and the compliance costs of monitoring merchants who sell health-related products with claims that are difficult for a processor to independently verify. A supplement merchant with a clean compliance record can be declined or terminated because the category as a whole carries risk metrics that the acquirer is unwilling to absorb.
Supplement payment processing through 27 Blockchain operates outside this category-level risk framework. The crypto payment infrastructure does not classify merchants by product type and does not involve card networks or acquiring banks in the transaction process. The merchant's ability to accept payments is not contingent on an acquirer's assessment of the supplement category's aggregate risk profile.
