Payment processing for the merchants everyone else declines.
Merchant accounts, gateways, and chargeback protection built for peptide brands, compounded peptide telehealth, GLP-1 clinics, and wholesale suppliers. If Stripe, PayPal, or Square froze your funds or refused you, this is where you go next.
Four questions, phone optional, no credit card. The full application takes about ten minutes and comes after.
- StripeAccount closed
- PayPalFunds held 180 days
- SquareProhibited business
- Shopify PaymentsDeclined
- Peptide Payment ProcessingMatched to a bank
Find out in 60 seconds whether we can place you.
Four questions, no documents. We reply within one business day with the likely placement, what to expect on rates and reserves, and a time to talk to an underwriter. The full application comes after that, only if you want to go ahead.
- No credit card and no paperwork at this step
- Phone number optional
- Prior shutdowns are reviewed case by case, never an automatic no
- Already decided? Skip to the full application
Thanks. Here is what to expect.
An underwriter will email you within one business day with the likely placement, the rate and reserve range to expect, and a time to talk. Want to move faster? Start the full application now or call 702-900-8199.
Meanwhile, the underwriting checklist is the fastest way to move your file forward.
We already know your business. You don't have to explain it.
Many processors restrict peptides or ask for extra review, and some stop reading there. We refer merchants in each of these categories to acquiring banks that have agreed to review them, and the bank makes the approval decision.
- Research peptide brandsOnline storefronts selling research-use-only peptides, blends, and kits.
- Compounded peptide telehealthPlatforms connecting patients to prescribers and 503A pharmacies.
- GLP-1 and weight-loss clinicsBrick-and-mortar and virtual clinics billing for compounded semaglutide and tirzepatide programs.
- Wholesale and API suppliersB2B distributors selling bulk peptides, APIs, and NAD+ to pharmacies and clinics.
- Peptide skincare and cosmeticsDTC serums, creams, and hair products built on peptide actives.
- Nootropics and longevity supplementsAdjacent supplement brands that keep getting flagged alongside peptides.
What comes with the account
A real merchant account in your name
Not an aggregator sub-account that can vanish overnight. Your own MID with a bank that has underwritten peptides on purpose.
Gateway that plugs into your store
Works with Shopify, WooCommerce, BigCommerce, custom checkouts, and telehealth platforms. Recurring billing and virtual terminal included.
Chargeback alerts and deflection
Pre-dispute alerts from Visa and Mastercard networks so you can refund before a chargeback counts against you, plus templates for winning the ones you fight.
Pricing quoted for your volume
High-risk rates depend on your ticket size, chargeback history, and monthly volume. You get a written quote after underwriting, before you sign anything.
Reserves explained up front
If the bank requires a rolling reserve, you'll know the percentage and the release schedule in writing. Reserve terms are stated in writing before you sign.
A person who answers
One account manager who knows peptides, knows your bank, and picks up the phone when a batch doesn't settle.
How approval works
-
Apply
Fill out the application below. Tell us what you sell, how much you process, and what happened with your last processor. Honesty here speeds everything up.
About 10 minutes -
Underwriting
We review your site, your documents, and your processing history, then match you with the bank best suited to your category. We'll send a written quote with rates and any reserve terms.
Typically 2 to 5 business days -
Go live
Sign, connect the gateway to your checkout, and run a test transaction with your account manager on the line. Funds settle to your bank on a fixed schedule.
Usually within 48 hours of signing
What underwriters look for on your website
Having these in place before you apply is the single biggest thing you can do to get approved faster. Printable version with notes.
- Clear product descriptions with intended use stated plainly
- Visible refund, return, and shipping policies
- Terms of service and privacy policy pages
- A working customer service phone number and email
- Business name on the site matches your legal entity or DBA
- No unsupported medical or treatment claims on research products
- Age verification if you sell direct to consumers
- SSL certificate and a checkout that shows the billing descriptor
Application sent
Thanks — it's in the underwriting queue. Watch your inbox for a confirmation, and expect to hear from an account manager within one business day about next steps and documents.
Meanwhile, the checklist above under How approval works is the fastest way to move your file forward.
Questions merchants ask before applying
Can peptide merchants get a processing account?
What's restricted is which banks are willing to take on the card-network risk. We work with acquiring banks that have specifically approved these categories, which is why these categories can be considered here when general processors decline them.
What rates should I expect?
High-risk pricing is set per merchant, so we don't publish a single number. Rates move with your monthly volume, average ticket, chargeback history, and how long you've been operating. Every applicant gets a written quote before signing, with any reserve terms spelled out.
I was shut down by Stripe last month. Does that hurt my chances?
It depends on the details. Many merchants we place have a shutdown in their history. What matters is why it happened and what your chargeback ratio looked like. Tell us the full story on the application; hiding it is the only thing that genuinely hurts. Read what to do in the first 72 hours after a shutdown.
What is a rolling reserve?
A percentage of each batch (commonly 5 to 10 percent) that the bank holds for a fixed period, then releases on a rolling basis. It's the bank's cushion against chargebacks. Not every account requires one, and when one does, you'll see the percentage and release schedule in your quote.
Can I keep my Shopify store?
Yes. Shopify Payments won't process peptides, but Shopify the platform is fine. You connect our gateway as a third-party payment provider and checkout works the same for your customers.
Do you work with telehealth and compounding pharmacies?
Yes, and they're some of our most stable accounts because the prescriber and pharmacy licensing does a lot of the underwriting work. Have your pharmacy's licenses and your prescriber agreements ready for the document stage.
What documents will you ask for?
Typically: government ID for owners, articles of incorporation or LLC formation, three months of business bank statements, three to six months of prior processing statements if you have them, and a voided check. Telehealth and pharmacy merchants also provide licensing.