PayPal
Account terminated, funds held 180 days
PayPal classifies peptides under "regulated products" in their Acceptable Use Policy. Account closures are silent and reserves are held for six months.
High-Risk Specialist · Approvals in 24 Hours
Peptide Payment Processor and Merchant Account Solutions
Stable, compliant card & ACH processing built exclusively for peptide stores, research chemical companies, and supplement brands - when PayPal, Stripe, and Square shut you down.
- Interchange-plus pricing - averages ~2.4% vs. 4%+ on flat-rate processors
- Underwriting that understands FDA "research use only" labeling
- Chargeback alerts (Ethoca + Verifi) and a dedicated US account manager
TRUSTED PAYMENT PARTNERS
authorize.net
A Visa Solution
cybersource
A Visa Solution
nmi
10,000+
Merchants Served
$2B+
Processing Volume
24/7
Dedicated Support
98.5%
Approval Rate
Services
Everything peptide merchants need, in three categories
From card processing to recurring billing to fraud prevention — one merchant account, every capability. Interchange-plus pricing starting at ~1.5%.
Integrations
View all integrations →
Works with every cart your peptide store actually uses
Shopify, WooCommerce, BigCommerce, Magento, Wix, Squarespace, ClickFunnels, WordPress. Keep your storefront — we replace the gateway behind it with a peptide-approved MID.
Lower Your Rate
Most peptide businesses overpay 30 to 40% on processing
Stripe, Square, and PayPal bundle every card type into one flat rate. The Peptide Payments partner network unlocks interchange-plus pricing starting at ~1.5%, with no junk fees and no long-term contracts.
- Transparent interchange-plus pricing
- Free statement audit and savings analysis
- Approval in 24 to 48 hours, no setup fees
- High-risk and hard-to-place industries welcome
Why You're Here
Mainstream processors won't touch peptide accounts
If your store sells BPC-157, TB-500, semaglutide, GLP-1s, or any research peptide, the big-name processors will either decline you upfront - or freeze your funds the moment a chargeback hits. We see it every week.
Stripe
Restricted business - instant decline
Stripe's prohibited list explicitly excludes "pharmaceuticals and pseudo-pharmaceuticals" including research peptides. Most peptide stores never make it past underwriting.
Square
Frozen at the first chargeback
Square's high-risk classification triggers automated holds. We've onboarded dozens of peptide merchants whose Square balance was frozen with no path to recovery.
That's why we built Peptide Payments - specialist underwriting, peptide-aware compliance, and acquiring banks that already know your industry.
Get a quote
Built For
Specialist processing for every corner of the peptide market
From research-use-only vendors to fitness brands and clinical supply, we underwrite the verticals mainstream processors won't touch.
Peptide & RUO Vendors
BPC-157, TB-500, GHK-Cu, semaglutide, tirzepatide, GLP-1s - full card & ACH support with research-use-only labeling.
Research Chemicals
Nootropics, SARMs, novel compounds. Underwriting that reads your COAs and understands your supplier chain.
Fitness & Performance
Recovery peptides, performance supplements, and clinic-direct programs. Built for high-AOV repeat buyers.
Why Peptide Payments
The clear, transparent way to run payments for your peptide business
General processors decline or freeze peptide accounts without warning. We specialize exclusively in your industry - so you get approval, not excuses.
Industry-Specific Underwriting
Our underwriters are peptide-industry experts. We understand your product catalog, compliance posture, and customer base - so approvals happen fast and accounts stay stable.
Learn how it works →Transparent Interchange-Plus Pricing
You see every fee - interchange, assessment, and our markup - on a single line-item statement. No bundled mystery rates, no hidden costs. Average rate: 2.4% + $0.10 per transaction.
See our pricing →Dedicated Account Management
Every merchant gets a dedicated account manager who knows your business. Direct access via phone, email, or Slack - not a ticket queue. Real people who answer in under 2 hours.
Talk to a specialist →
Payment Solutions
View all services
Every service your peptide store needs
Credit Card Processing
Visa, Mastercard, Amex, Discover with peptide-industry approval rates.
High-Risk Merchant Accounts
Stable accounts built for research chemical and peptide retailers.
ACH & eCheck Payments
Bank-to-bank transfers at 0.5%-1.5% - lower than any card rate.
Payment Gateway
API-first gateway compatible with Shopify, WooCommerce, and custom carts.
Recurring Billing
Subscription management with automated dunning and retry logic.
Chargeback Management
Dispute representation, alerts, and prevention tools that protect your account.
Fraud Prevention
AI-powered fraud scoring, AVS, CVV, and 3D Secure authentication.
Virtual Terminal
Take phone, mail, and fax orders through a secure browser-based terminal.
Our Process
From application to processing in 4 steps
STEP 01
Discovery Call
A 15-minute call with a peptide-industry specialist to review your product catalog, monthly volume, and compliance setup. No pressure, no sales scripts.
STEP 02
Application & Docs
We walk you through a streamlined application - business license, bank statement, processing history if available. Underwriting takes 24 hours for most peptide merchants.
STEP 03
24-Hour Approval
Receive your merchant account approval, processing rates, and gateway credentials in writing. We explain every number so there are zero surprises at your first billing statement.
STEP 04
Seamless Integration
In most cases we update merchant credentials in your existing gateway - no platform changes, no developer needed. Start processing within 48 hours of approval.
From the Knowledge Base
Browse all topics
Learn the mechanics of peptide payments
Practical guides covering compliance, chargeback defense, and payment optimization - written for peptide merchants, not generic businesses.
Payment Basics
Payment Processing Fundamentals
How transactions flow from checkout to your bank account, fee structures explained, and what merchant accounts actually do.
→ Peptide ComplianceCompliance for Peptide Sellers
FDA research-use designations, card network rules for research chemicals, and how to document your compliance posture for underwriters.
→ High-Risk ProcessingHigh-Risk Merchant Account Guide
Why peptide businesses are classified as high-risk, what it means for your rates, and how to maintain a stable processing relationship.
→ Chargeback DefenseChargeback Prevention & Disputes
How to keep your chargeback ratio below 1%, respond to disputes, and use representment tools to recover lost revenue.
→ Cash Flow & SettlementsSettlement Timing & Rolling Reserves
T+2 vs T+3 funding schedules, rolling reserve requirements for peptide merchants, and how to forecast cash flow accurately.
→ Industry Trends2025 Peptide Industry Report
Payment processing trends affecting peptide merchants: approval rates, average fees, chargeback benchmarks, and emerging regulations.
→
Transparent Pricing
You pay what we pay, plus a clear markup
General processors use flat-rate pricing that bundles their profit into every transaction. We use interchange-plus so you see exactly what the card networks charge and exactly what we charge.
Typical Flat-Rate Processor
3.9%+
- Same rate on debit and credit
- Hidden processor margin inside the rate
- No cost optimization possible
- Hard to audit or benchmark
- Rate applies to all transaction types equally
Peptide Payments - Interchange Plus
~2.4%
- True pass-through interchange pricing
- Lower effective rate on debit cards
- Transparent markup shown on every statement
- Auditable and benchmarkable at any time
- Savings compound at higher processing volumes
Calculate Your Savings
See how much you'd save vs. flat-rate processors
Drag to match your monthly volume and current rate. We'll show your projected savings on our peptide-industry interchange-plus pricing (avg ~2.4% all-in).
Estimate based on Peptide Payments avg 2.40% effective rate.
Estimated annual savings
$6,600
$550 / month
Current annual fees$21,000
With Peptide Payments$14,400
Effective rate2.40%
Lock in this rate →