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.
We process more than $50 million a year for peptide merchants.
Takes about ten minutes. No credit card required to apply.
- StripeAccount closed
- PayPalFunds held 180 days
- SquareProhibited business
- Shopify PaymentsDeclined
- Peptide Payment ProcessingApproved
We already know your business. You don't have to explain it.
Most processors put peptides on a prohibited list and stop reading. We underwrite each of these categories every week and move more than $50 million a year through acquiring banks that have agreed to take them.
- 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. No surprise holds after you're live.
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 most likely to say yes. 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.
- 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
Are peptides actually legal to process?
Selling research-use-only peptides and compounded peptides through licensed channels is legal in the United States; 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 we can say yes where general processors say no.
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?
No. Nearly every merchant we approve has 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.
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.