nutraceutical merchant account sponsor banks. And while they cater mainly to high risk merchants, their services are also available to lower risk businesses looking for trustworthy, seamless. nutraceutical merchant account sponsor banks

 
 And while they cater mainly to high risk merchants, their services are also available to lower risk businesses looking for trustworthy, seamlessnutraceutical merchant account sponsor banks  Our staff of continuity professionals will help businesses set up their billing programs through our high risk banking network

High-risk businesses typically operate in industries that are prone to chargebacks, fraud, and legal and regulatory complications, such as online gambling, adult entertainment, nutraceuticals, and e-cigarettes. First, the industry is regulated. In the event, if you are included in Nutraceutical deals, as you know that it can be hard to acquire merchant services for Nutra product sales. Recurring Payment Support. Therefore, they reject nutraceutical retailers. Typical reasons people purchase these products include. The nutraceutical business is booming, and every year brings new products. MerchantNegotiators. Banks and traditional. This regulatory uncertainty has made it so that sponsor banks are unwilling to underwrite CBD businesses for credit card processing. Merchant Login. Merchants experience resistance to tobacco credit card processing during card-not-present (CNP) transactions. Ready to take your nutraceutical business to the next level? Merchant accounts for nutritional supplements. Get a secure Nutraceutical Merchant Account with QuadraPay. com, know that nutraceutical merchant accounts are hard to come by. Skip to content. Executed eSigned Merchant Agreement. At Fibonatix, we offer comprehensive nutraceutical merchant services that prioritize both the security of transactions and the convenience of your customers. 75 on your $500 auction when you put the fees together. Even US based businesses operating internationally. Apply for a Nutraceutical Merchant Account to Accept Credit Cards. The nutraceutical industry is risky for most banks. Nutraceutical Merchant Accounts; Pharmacy Merchant Accounts; Ticket Brokers; Travel Agency Merchant Accounts; All High Risk Merchant Accounts (877) 441-6801;. Turn to a custom high risk nutraceutical and supplements merchant account for your payment processing needs. Nutraceutical Merchant Accounts. These industries include nutraceuticals, e-commerce, adult entertainment, travel services, and more. Multiple Merchant Accounts. Most credit card processors are unable to. Compare quotes from merchant providers who understand supplement & nutraceutical payments! Access 90% of UK's leading merchant acquiring banks. This is because of strict guidelines for processing credit card payments that go beyond the requirements of most other industries. under a license issued by a jurisdiction whose government has been identified by the U. If. An ACH merchant account allows businesses to receive. 4 billion as of 2015, and is estimated to reach $204. They are the equivalent of direct deposit and direct debit in your bank account. Why is it so? They deal directly with the trusted banks. COVID-19 changed cash for good. The nutraceutical industry, or “nutra” industry brings in a yearly revenue totaling roughly $181. The Challenges of Nutraceutical Credit Card Processing. With its high approval rates, secure payment processing, and nutraceutical-specific features and services, PaymentCloud offers everything that nutraceutical business owners need to accept credit card payments from their customers. Magazine subscription payment processing is often subject to high levels of chargebacks and fraud, and as a result, can raise red flags with sponsor banks. Nutraceutical Merchant Account; Merchant Account for Tech Support;. net offers credit card payment services for more than 430,000 merchants, including merchants that could be categorized as high-risk. For card-not-present e-commerce sales, FANF fees are structured according to the following chart: Tier Level. 2371 or 50 U. Further projections have the U. We’re Also Compatible With Many Other CRM. Both. Digital Product Merchant Accounts. The nutraceutical industry — or nutra industry — has seen huge growth over the last 10 years. These businesses need a trusted company like PayKings to provide them with high risk credit card processing. For example, if the merchant has an account with their processor that is priced at a discount rate of . Banks will avoid your nutraceutical company while CWBPAY specializes in your nutraceutical company. For any E-commerce site, to accept payment by multiple means you need a proper payment gateway and. Donations and offline payments can be accepted through a merchant account using a hand-held credit card reader. Nutraceutical products are normally classified as high-risk. Additionally, we use state-of-the-art tools like tokenization, encryption, and 3D security to ensure secure card processing, which is essential in the supplement industry and nutraceutical credit. Therefore, it is regulated by the government. Enable 3D Secure in your payment gateway. Gather the required information before beginning the application process for your nutraceutical merchant account: Banking Information: Personal and business banking account information along with statements (up to 3 months) may be requested. For any E-commerce site, to accept payment by multiple means you need a proper payment gateway and a merchant account that supports your needs. 2371 or. No additional work for you. 6 billion by 2017. The #1 rated high risk merchant account provider. 2 billion in acquired debt, and these numbers just continue to grow with every passing year (approximately 15% each year since). Herbal Products and Nutraceutical Merchant Account . Selling nutraceutical products can be a slippery slope, which is why we’re straightforward with banking guidelines and protocol. Nutraceutical Merchant Accounts. When it comes to opening a business bank account, you are going to need: a business license. Nutraceutical businesses are classified as high-risk, which makes them ineligible for merchant accounts at numerous sponsoring banks. Without a merchant account, these businesses have no way to accept credit and debit card transactions. Organizations that deal with a large number of transactions. British Columbia is a hub when it comes to cooperative banking. Within 4 hours, she called me back with the answers. The company establishes accounts using either the ACH network or Check 21 technology to process electronic check (echeck) transactions. Health experts attribute the nutraceutical boom to a rising health and fitness awareness in the. Fortunately, EMerchant Authority offers nutraceutical merchant processing services at an affordable price. ACH. Same day ACH credits $3-5. Nutraceutical Merchant Accounts; Pharmacy Merchant Accounts; Ticket Brokers; Travel Agency Merchant Accounts; All High Risk Merchant Accounts (877) 441-6801; Apply Today!. Typical reasons people purchase these products include. 4 billion in 2013, domestically, collecting $55. You will be contacted within one business day . Even if a traditional bank is willing to provide you with a merchant account, the fact that it considers your business to be high risk does not change. These banks have been known to freeze merchant accounts or even close them on occasion when chargeback ratios begin to raise, which leave merchants unable to process debit and credit card. Our specially. Founded in 2012, Easy Pay Direct competes with some of the older merchant account providers available. Our merchant account managers offer expert advice and guidance throughout the relationship of your account and will help you prevent fraud, reduce chargebacks and increase profits. Merchant bankruptcy is also a factor in why the nutraceutical industry is often viewed in a negative light. They’re so well-established in fact that they work with over 60,000 merchants. Get approved for a nootropic, supplement and nutraceutical merchant account. Don’t let payment processing issues hold you back – contact QuadraPay today to learn more about their services and how they can help your nutraceutical business thrive. Our payment solutions are designed to seamlessly integrate with your business model, whether you operate an e-commerce platform, health supplement store, or other related businesses. Ways that nutraceutical companies can get their credit card processing in order. And while they cater mainly to high risk merchants, their services are also available to lower risk businesses looking for trustworthy, seamless. 15% with an added $. The settlement banks are our clearing banks and are members of MasterCard and Visa associations. Bad credit merchant account. Wells Fargo on it’s own, operates purely as a banking institution – and most of their operation has nothing to do with First Data. Amid the great digital shift, he said, sponsor banks — while seeking to broaden their merchant acquiring presence — are getting pushback from ISOs and ISVs to upgrade the front-end experience. Once the application is completed, the merchant will be required to have the following items: Completed website. com. A processor connects to the merchant on behalf of an acquirer via. To get approved for a nutraceutical merchant account in 48 hours click below or call 1-800. PayDiverse offers multiple services aimed at helping businesses both new and existing, ranging from chargeback management, to secure credit card processing, fraud prevention and ACH processing. Money sent today is received today. Multi-currency settlement. Atlantech provides the best Merchant Accounts for Nutraceutical. PaymentCloud: Best overall. Nutra products range from oral supplements to teas, tinctures and salves. Unfortunately, a customer may request a chargeback after the payment has already been deposited into your bank account. Terms like “processing for free trial merchants,” “fraud prevention” and “lower chargebacks” may indicate that they are equipped to handle the special challenges that your industry. Having built a network of acquiring banks that work with high risk industries, Instabill offers affordable nutraceutical merchant accounts. A nutraceutical product is a purified or isolated item that must have the ability to combat chronic diseases or have a physiological benefit. Way2pay. It was founded in 2009 by brothers Patrick and John Collison, who were only 19 and 21 at the. But in exchange, the fees are. Without a merchant account, you will not be able to accept payment via credit card or debit card. A merchant account is a type of bank account that enables businesses to accept and process digital payments, such as credit and debit card transactions. Free application with no obligation. Many herbal products are also referred to as nutraceuticals. For example, new rates on utility payments would generate a flat $1. The best time to get nutraceutical merchant accounts is right now in 2020. FintechMerchantAccounts works with nutra merchants understand how tough it can be for Nutra business owners like you to get approved for standard. The Nutra deals business is a big High-Risk Business but it is seen as considered high risk for. Are you struggling to secure the payment processing solutions your nutraceutical business needs? Unfortunately, there are many industries whose merchants struggle to secure merchant accounts for their businesses – the nutraceutical industry is definitely among them. com works with a number of sponsor banks that provide both domestic and offshore high risk merchant accounts. This prohibition can be for several things, including the owner’s financials or credit background to the sales history, transaction types, or industry that the business operates within. . Merchants find it very. Both provide businesses with complete ecig merchant account services with various fees for account services, network services, and other transactions. If processors and banks carefully manage the risk associated with RCC transactions, the potential for fraud can be somewhat reduced. With access to hundreds of US and international banks, all payments are covered. Learn the differences to keep your high risk merchant account up and running. Looking for a bank on your own is a lost cause. Like many other companies that are classified as “high risk” by lenders, nutraceutical companies have uphill battles when they seek nutraceutical company merchant accounts. There is not a lot of merchant account product-specific. The good news is some PSPs are already partnering with acquiring banks that process high-risk companies. com is a registered ISO/MSP of BMO Harris Bank, N. com; About Us; What We Do; FAQ; Blog; Partners; Rates; Contact; Application;. Our check solutions offer fast ach deposits to your existing business checking account for quicker cash flow. Nutraceutical Merchant Accounts; Pharmacy Merchant Accounts; Ticket Brokers; Travel Agency Merchant Accounts; All High Risk Merchant Accounts (877) 441-6801; Apply Today!. S. This type of credit card processing for nonprofits generally carries a transaction fee amounting to 2. There are a number of merchant account providers and payment processors that offer offshore. With high chargebacks and continuity billing, some banks consider nutraceutical merchants too high of a risk. The #1 rated high risk merchant account provider. A nutraceutical merchant account is a custom-made bank account for businesses in the nutra space. This tends to be a point that most nutra companies forget to address because they get comfortable with the payment processing company they work with; that should not be the case. The sponsor bank is a key component in the payment process, responsible for transmitting funds to the merchant A business that accepts credit cards for goods or services. Simply fill out the form below. And many buyers are savvy, they know exactly what they want. Merchants who utilize negative option billing to sell physical goods, will be deemed “High Risk Merchant”. Making an application for a High-Risk Merchant Account. Your information will be kept completely confidential. One study showed the average value of a cash transaction was $22, compared to $112 for the average non-cash transaction in 2019. Some payment service providers (aka PSPs), however, have banking partners that offer quality nutraceutical merchant accounts. 1. With high chargebacks and continuity billing, some banks consider nutraceutical merchants too high of a risk. 3) US Signer – Typically a US resident with >50% ownership is the signer but LLCs can be “Manager-Managed”. It depends on the type of business the merchant operates. Learn the differences to keep your high risk merchant account up and running. . The industry is largely unregulated in the United States and is considered high-risk. Letter from bank. S. Why are Nutra Accounts considered High Risk? Many different terms and definitions are used in different countries, which can result in confusion. But. About Us Contact Us Blog. This is true whether you sell digital goods online or physical items in-store. Because high risk businesses come in all shapes and sizes, SMB offers 2 gateway solutions – NMI and Authorize. Apply Now. eDataPay can set your business up with a nutraceutical merchant account you can trust. eChecks. Easy Pay Direct. In 2018, seven democratic senators launched legislation to slow down the “revolving door” between major pharmaceutical firms and federal bureaus like the Drug Enforcement Administration (DEA) that control them. You have to meet your customer’s expectations by providing a way for them to pay via a debit or credit card. 95 – 4. Our extensive relationships with credit card processors and sponsor banks who have the capability to underwrite regulated industries, combined with our integration of fraud and chargeback fighting technology, uniquely positions Soar Payments to provide low cost reliable merchant accounts for doc prep related businesses. Nutraceutical merchant accounts are the ideal solution for online nutrient, dietary supplement, and herbal product manufacturers and retailers looking to grow their business and put the pains of finding high volume processing capacity behind them. Communication Is A Priority; Meet the Team;For a US merchant account, the merchant typically must have the following: 1) US Bank Account. Organizations that deal with a large number of. Benefits of a Kava Merchant Account Services. For an instant quote on an Instabill nutraceutical merchant account, call us directly at 1-800-318-2713 or simply click the button to get started. 74. They’re so well-established in fact that they work with over 60,000 merchants. They can be used by businesses and consumers alike, and they make up a huge percentage of electronic transactions. Nutraceutical merchant accounts have also assisted the nutraceutical industry in a majority of ways. Standard ACH credits $1-3. Merchant Account for Nutraceutical Products : In the event, if you are included in Nutraceutical deals, as you know that it can be hard to acquire merchant services for Nutra product sales. 5%. These transactions require a bank account number and routing number to process. PayDiverse works closely alongside nutraceutical merchant accounts to avoid detrimental and unwarranted chargebacks, fraud and account closures. Even though there is no law against the Nutraceuticals businesses, but banks and merchant services don’t accommodate the Nutraceuticals business. Nutraceutical Merchant Accounts 2018. With a Nutraceutical Merchant Account from Patriot Bankcard, nutraceutical merchants are instantly able to process Visa and MasterCard transactions for their online Nutraceutical Merchant business. When using an offshore merchant account, your acceptable chargeback ratio increases from below 2% to 3-4%. Typically, our merchants are able to begin accepting credit cards within 3 business days. Donations and offline payments can be accepted through a merchant account using a hand-held credit card reader. In fact, the business is expected to reach a remarkable $671 billion in global revenue by 2024. In addition, we can set up alternative payment methods such as ACH payments and E-checks. Simply refer your clients. PayFasto provides nutraceutical merchant accounts for businesses with the best terms on the market and we ensure you get a bank specializing and understanding high risk industries like credit card processing for nutraceuticals. A nutraceutical merchant account is a type of merchant account that is specifically designed for businesses that sell nutraceutical products, such as dietary supplements, vitamins, and other health-related products. Other benefits that accrue to businesses that choose nutraceutical. First Data's GNF List is NOT the same as the TMF List / Terminated Merchant File. 15% with an added $. That is because these challenges also create increased risk for the banks and processors who would serve the industry. 28 billion in 2019, according to Grand View Research. Accept credit card payments online hassle-free. Get in touch: (877)-511-3402. With regulations on payment processing getting more strict, you will need a solution you can rely on. What is an Offshore Merchant Account. Most e-cigarette merchant accounts use one of 2 pricing models; tiered pricing or cost-plus pricing, also known as interchange-plus pricing. Furthermore, people with scores between 300 and 600 are most likely denied access to good lending opportunities due to their low score status. Nutraceutical merchant accounts are a great way for nutraceutical firms to seamlessly accept payments. For some processors, this level of risk is simply too high. This is the only solution for succeeding in the NUTRA business. (NMI) – With their load balancing feature, manage multiple merchant accounts through one gateway and automatically route transactions to specific accounts. A merchant account is what allows your business to process payments made by credit, debit, gift or rewards cards. In fact, it is not uncommon for a nutraceutical merchant to have a chargeback ratio in excess of 2%. Here at Integral Pay, we have have a superior amount of knowledge on Nutraceutical Merchant Accounts and will work with our bank acquiring partners to give you the best. Merchants find it very. Vape and E-Cig Merchant Accounts. Your Resource For Merchant Services. VISA (8472) Monday, October 30, 2023 Agent Login; Merchant Login; Toggle navigation. Apply and get approved! No problem! Talk to a SeamlessChex representative today to see if a nutraceutical merchant account is right for you! Nutraceutical Merchant Account Solutions Made Simple Here’s how our reliable and specialized payment processing solutions can give your business the confidence to scale quickly: 25+ Acquiring Banks to Choose From Apply for a Nutraceutical Merchant Account to Accept Credit Cards. There are two main reasons for this. Don’t let payment processing issues hold you back – contact QuadraPay today to learn more about their services and how they can help your nutraceutical business thrive. Victoria, BC V8W 3G3. The business requires a safe merchant account solution but many of the banks do not prefer to provide them the account. MerchantE has direct relationships with several sponsor banks. Opting for a high-risk nutraceutical merchant account provides the assurance that you can operate your business without the risk of losing sales or potential customers. Tip: If your business runs on a continuity model, it’s best to sign up for a high-risk merchant account for seamless credit card transactions. We are the #1 provider of merchant accounts for the nutraceutical industry, connecting you with payment solutions in as little as 48 hours after approval. Nutra Payments Offers Retail & High Risk Nutraceutical Merchant Accounts. net. 3. As our staff at FintechMerchantAccounts conducted our research on the nutraceutical industry (” Nutra”) we found that it is estimated to grow to a staggering $671 billion by 2024 worldwide. Many herbal payment processors might offer kratom credit card processing services however, kratom is a prohibited product by the card networks. For this reason, they will put certain industries or business types on their restricted merchant list. An offshore merchant account allows you to accept and process payments with bank cards over the Internet in 2023. Fortunately, it is possible to do so without hassle and worries because there are merchant account providers like HRMA-LLCHRMA-LLCNutraceuticals Industry in Texas Is Booming. A virtual terminal connects to a secure payment processing gateway. Get approved for your own MID (Merchant ID) 4. The difficulty in getting account authorization with many banks for high-risk nutraceutical merchants in this sector forces them to look for a high-risk credit card processor. It allows them to target types of merchants—particularly smaller merchants—that they may not otherwise have supported, expanding and broadening their merchant base. Nutraceutical Merchant Account Connected. 2834: Pharmaceutical Preparations. But despite providing. This has left numerous organizer or. Ideal for businesses with a wired internet connection and a traditional storefront, these sales typically have the lowest fraud and chargeback risk and are therefore. Host Merchant Services: Best for large high-risk businesses. I. . all the signers to the account. Documents. In our experience, cannabis businesses see an average ticket increase of about 17% when they implement card payment services. Funds settle to the merchant’s bank account immediately when the payment is authorized by the customer. Ask Zenti about our low- or zero-cost credit card processing fees. Overcome the toughest of merchant challenges & disapprovals. One of an acquiring bank’s key roles is to deposit your funds from credit card sales into your merchant account. SeamlessChex can set your business up with a nutraceutical merchant account you can trust. Therefore, banks consider nutraceutical merchants too high of a risk. When you add secure online payments with bank transfers to your checkout page, you expand your sales, protect your customers, and increase your profits. Traditional banks are not going to make it easy to open and maintain a merchant account for a nutraceutical business. It seems bankers and merchant-account providers do not like the dietary-supplement industry. Call us Contact. As a high-risk specialist, EMB has years of experience in helping merchants other providers consider “too risky”, and. We know you’ve probably thought. Including setting up a nutra merchant account, and working with banks directly. A start up mineral nutraceutical business needs the ability to accept payments for online sales. Nutraceutical merchant accounts are a great way for nutraceutical firms to seamlessly accept payments. Apply Now. More Payment Options Equal More Profits Payment alternatives such as secure vault payments and electronic checks account for 30% of all internet purchases. 9 million transactions, compared to 641. Establishing a foothold in the nutraceutical industry is extremely important so the country can become a leader of the market in the future. We provide nutraceutical merchant accounts offering reliable and secure payment processing solutions for nutraceutical businesses. services that are. The merchant ID is used for a variety. 06 billion (2018) to $49. Gross Sales Monthly Volume. Get started right now by contacting us online or giving our merchant services specialists a call at 844-661-0725. According to Grand View Research, peptide sales are expected to peak at 48. This isn’t just a struggle for someone new on. Department of State as a sponsor of international terrorism under 22 U. APPLY NOW! Req. Nutraceutical merchants often have difficulty finding online credit card processing because of their business model. A nutraceutical merchant account is a custom-made bank account for businesses in the nutra space. Best Nutraceutical Merchant Account Providers (2023) Best Merchant Accounts for Kratom (2023) Best Merchant Accounts for Online Gambling (2023). G et an offshore merchant account is a legal way to receive payments by credit card in your business abroad. S. S. Luckily, PayMystic’s expanded network of banking relationships accepts. The financial institution that maintains merchant accounts. Low conversions equally affect how an acquiring bank sees your ability to generate revenue and meet monthly sales targets. accounts for nutra businesses to be considered high risk by banks and regulatory bodies. 503. We understand how challenging it may be to work with traditional payment processors, particularly when selling nutraceutical items and supplements online. Free setup and zero upfront fees. We will provide an. We have the banking relationships and underwriting in place to support nutraceutical supplement credit card processing. This is true whether you sell digital goods online or physical items in-store. Contact us by phone or live chat for faster service. Nutraceuticals Payment processing for Nutraceuticals Nutraceutical merchants online credit card processing solutions from a reliable nutraceutical merchant account. Even if you receive a merchant account from a traditional payment processor, the bank and payment processor will eventually terminate your account as you violate their service policies. This is often a way to get around big banks’ refusal to underwrite adult businesses, but it has another hidden advantage as well. Some adult payment processors will set you up with an offshore merchant account. 2099: Coffee and Tea Manufacturing. Most businesses have issues taking off, but when that business is labeled as “high risk”, the problems mount even higher. nutraceutical industry steadily increasing from $34. These transactions are ideal because the customer is present at the time of sale. You pay $23. In the fast paced world powered by technology, new health complications are surfacing everyday and leading to lifestyle. The bank-to-bank transfers direct payment platform was designed specifically for high risk ecommerce businesses including nutraceutical merchants. 2) US Corporation. The WAAVE Network has approval from leading US banks and major credit card companies to enable payments for Nutraceutical resellers. You Need to Open a Business Bank Account and a Separate Merchant Account. Let a business partner with the best credit history apply for the account; Fill up your bank account with a substantial amount of money;To obtain a merchant account for your collection agency, start by completing our online application. A Merchant Account Focussed On the Needs of Nutraceutical Products. 2405(j), (iii) located in or operating under a license issued by a jurisdiction that. According to statistics from NACHA, 24 billion payments were made via an ACH payment in 2015. Check out our nutraceutical merchant accounts today and get your business finances in good health! Atlantech provides the best Merchant Accounts for Nutraceutical. DigiPay’s expanded network of banking relationships accepts the nutraceutical business category and provides competitive rates, terms and conditions. Your customers need an integrated and secure payment gateway to purchase their supplements. The flawless solution for High-Risk BusinessesNutraceutical Merchant Account; Merchant Account for Tech Support;. The growth of ACH payments for electronic bill payment continues. 4% + 0. Nutraceutical merchants can get their own account by choosing a merchant account. QuadraPay’s specialized Nutraceuticals Merchant Account is designed to help nutraceutical companies avoid. Who is DigiPay Solutions? The processor of choice for the world’s leading nutraceutical companies, DigiPay Solutions has a global network of partner banks, payment experts and an elite portfolio of tailored solutions. Domestic High-Risk Merchant Account Requirements: UK or US based. S. Services. This surge has nurtured a thriving industry, where businesses must adopt robust merchant account processing systems to seamlessly accept credit cards and offer customers convenient payment choices. 0 data. For example, users can claim deductions on specific transactions, such as interest earned, dividends received, and capital gains. Banks that fund nutraceutical merchant accounts that market illicit ingredients or goods can be found responsible once more. What We Do. Username: Password: Login. Fill out this form and a merchant services representative will be in touch! Get Started. Without a merchant account, you will not be able to accept payment via credit card or debit card. This includes processing payments, managing customer accounts, and ensuring that payments are securely conducted. If you sell vitamins, herbal products, or supplements, you will likely have to open a high-risk nutraceutical merchant account with your bank or payment processor. While traditional banks view companies in this sector as high risk, with a nutraceutical. It also provides additional revenue from their transaction fees. S. A bank letter or a pre-printed voided check; 3 months of the most recent bank statements; 3 months of the most recent processing statements, if applicable;Call us Toll Free (866) 509-7199. “Best Nutraceutical Merchant Account Providers,” January 10, 2017, at. Many banks are also reluctant to partner with MLM companies. No caps on your. S. We carefully combine high-quality services with low prices to further our goal of becoming the leading high-risk merchant account provider in the country. Best Merchant Accounts for Petroleum Stations January 24, 2023. Nutraceutical Credit Card Processing. Factors such as fees, security, customer support, and compatibility with your business model must be. Nutraceutical merchant accounts are a great way for nutraceutical firms to seamlessly accept payments.