A low pH skin-treatment composition employs cationic surfactants generally known to be skin irritants and a fatty acid, together with a hydrocarbon component in an oil-in-water emulsion. The addition of fatty acid to the cationic surfactant appears to form a complex which prevents the cationic surfactant from irritating the skin and at the same time substantially reduces pH of the composition. The resulting composition is not skin irritating, and reflects a pH of about 2-4. The composition may be used to restore pH of skin after exposure to alkaline compositions, and as a vehicle for the administration of active agents having an acidic pH.