How Our BIN Achieved 90% Approval Ratios for Nutra Brands

Background

We moved millions of dollars through a confidential private BIN with a top tier processor to validate real traffic patterns. The goal was simple. Prove stable approvals for nutraceuticals and rebill offers. We focused on live funnels. We tested real rebill cycles for three months.

Our approach

We built a framework that balances acceptance and compliance. We split the work into four areas.

• Traffic and flow controls. We monitored traffic sources and blocked risky affiliates.
• Descriptor hygiene. We used clear merchant descriptors that match customer expectations.
• Underwriting depth. We collected KYC, proof of goods, and shipping flows up front.
• Chargeback playbook. We implemented a fast dispute and rebuttal flow for every chargeback.

Testing plan

We ran three months of live tests using high volume offers and rebill funnels. Key elements:

• Real inventory and fulfillment for all orders
• Multiple traffic sources including paid media and affiliates
• Controlled scale ups to observe decline rates and reserves
• Daily monitoring of approval ratio, declines, and chargebacks

Results

Across multiple offers we achieved sustained approval ratios near 90 percent. Declines dropped during steady state. Chargebacks remained within acceptable partner thresholds.

• High approval ratios for first payment
• Stable rebill acceptance after 30 days
• Low emergency reserve requests from the bank

Notes on numbers. Results depended on merchant behavior. Merchants who followed fulfilment and refund best practices saw the best outcomes.

What this means for your brand

If you run nutraceutical offers or rebill funnels this setup reduces your risk of interruption. You get better approval rates. You get more predictable scale. You keep cash moving.

• Fewer declines for trial and continuity offers
• Easier scaling for paid traffic
• Faster underwriting decisions where documentation is complete

Compliance and safe scaling

Approval is not an excuse to ignore compliance. We documented every merchant. We used clear policies. We enforced refund windows and transparent product claims. This is how you keep a BIN healthy.

• Collect clear product descriptions and receipts
• Share truthful marketing claims
• Keep shipping and customer support logs

How to get started

We will launch this program publicly in the future. For now we are vetting brands that meet underwriting standards. If you want priority review fill out a short pre-application.

Prefer a direct email? Send details to leah@highriskleah.com and include monthly volume, product type, average ticket, and traffic source.