Nutra Website Guidelines

ship within 24 hours of billing

If the website does not specify the time frame that the product will be shipped then the bank requires that the product is shipped within 24 hours of billing

trial period 21 days after shipping date

In order for the consumer to experience the true benefits of the product, some banks require that the trial period is extended to 21 days from the date of shipping

continuity lasts for 12 months

Banks require that any continuity program that occurs for a timeframe greater than 12 months MUST BE RE-AUTHORIZED

no upselling or cross selling

An up-selling Merchant must comply with all of the following:

• • Clearly disclose to the Cardholder all of the following:
    • The name of the up-selling MerchantA business that accepts credit cards for goods or services. offering the goods and services in a manner that clearly differentiates the up-selling MerchantA business that accepts credit cards for goods or services. from the initial MerchantA business that accepts credit cards for goods or services.
    • A description of the goods and services
    • The length of any trial period, including clear disclosure that the Cardholder will be charged unless the Cardholder takes steps to cancel the subsequent transactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account....
    • The TransactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account.... amount and TransactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account.... Date
    • The cancellation policy
  • Obtain the Cardholder’s express informed consent for any subsequent Transactions by requiring the Cardholder to do all of the following:
    • Enter the Cardholder’s Account Number for the subsequent Transactions
    • Enter the Cardholder’s name, address, and contact information
    • Perform an additional confirmatory action to indicate consent to the TransactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account.... (for example: clicking a confirmation button)
    • Comply with all other TransactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account.... processing requirements
    • This does not apply in the Europe Region.

no restricting refunds

To minimize any potential chargebackThe act of reversing a sale made by the merchant. This can happen for many reasons including procedural and fraud. The process usually begins with a dispute from the cardholder. and provide the consumer with a good experience, the refunds cannot be restricted.  The refunds cannot be contingent on returning the product, return codes etc.

disclose descriptor and continuity billing

The merchantA business that accepts credit cards for goods or services. name is the most important factor in cardholder recognition of transactions. Correct use helps to minimize copy requests resulting from unrecognizable merchantA business that accepts credit cards for goods or services. names and reduces costs to acquirers, issuers and merchants.

The merchantA business that accepts credit cards for goods or services. name must be the name most prominently displayed by the merchantA business that accepts credit cards for goods or services. and by which cardholders recognize the merchantA business that accepts credit cards for goods or services. (while also reflecting the merchant’s “Doing Business As” (DBA) name).

no price negotiation

What we have is this – Price points cannot be negotiated (discounted at will) or variable and “decline salvaging.” The bank wants to see consistency with transactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account.... amounts equaling that which is listed on the website.

no decline salvaging

When a credit card is declined, the merchantA business that accepts credit cards for goods or services. attempts to process lesser and lesser amounts until the credit card is approved. This practice is not aligned with the card brand best practices.