This isn't a generic high-risk application. We pre-build your file around the specific risk factors that matter.
We know how to position BPC-157, TB-500, and semaglutide correctly, whether you're selling as research-use, compounded Rx, or through a telemedicine model.
Banks want to know your prescriber model. We document your physician networks, telehealth platforms, and prescription verification workflows before underwriting sees them.
Domestic synthesis vs. overseas API sourcing changes your risk profile completely. We map your supply chain documentation so underwriters don't flag it.
Most peptide companies run subscription models. We configure proper billing descriptors, retry logic, and cancellation flows to keep chargebacks below threshold.
Peptide chargebacks spike from unclear product expectations and subscription disputes. We install Ethoca/Verifi alerts and descriptor optimization from day one.
High AOV + recurring + health product = red flags for generic processors. We present your transaction data in the format acquiring banks actually want to see.
We don't wait for underwriters to ask questions. We answer them before they're asked.
We review your marketing claims, product labels, and website copy against FDA/FTC guidelines before submission. Unapproved health claims are the #1 reason peptide merchant accounts get rejected.
Peptide legality varies by state, especially for compounds like semaglutide. We document your shipping restrictions and geo-blocking policies so underwriters see a compliant operation.
Third-party certificates of analysis, purity testing, and sterility documentation strengthen your application. We show you what to include and how to present it.
Clear refund policies, visible terms, and proper checkout consent language reduce chargebacks and satisfy underwriting requirements simultaneously.
Most peptide merchant accounts fall between 4.5% and 7.5% depending on your monthly volume, chargeback history, and business model. Subscription-based and telemedicine models typically qualify for the lower end of that range. Volume over $50K/month gives you negotiating leverage to push rates down further.
Not always. Many of our peptide clients process with zero rolling reserve. Whether you'll need one depends on your processing history, chargeback ratio, and monthly volume. New businesses with no processing history may start with a small reserve (5-10%) that gets released after 3-6 months of clean processing.
Most peptide merchant accounts are approved within 5-10 business days. We pre-build your compliance file before submission, which eliminates the back-and-forth that typically delays applications by weeks.
Processor shutdowns are common in the peptide space, usually because the previous processor didn't understand the vertical or wasn't set up for high-risk categories. We document exactly why you were terminated and present a clean narrative to acquiring banks that specialize in this category. Prior termination doesn't disqualify you.
Telehealth models with prescriber networks and compounding pharmacy relationships are easier to underwrite because the compliance path is clearer. Research-use models require tighter product labeling, disclaimer language, and COA documentation. Both are approvable, but the underwriting approach and rate range differ.
Yes. We set up your new account in parallel so there's no revenue gap. Once the new account is live and tested, you migrate traffic over on your timeline. Most merchants run both accounts simultaneously for 2-4 weeks during the transition.
Complete the intake form and our team will review your application within 48 hours. We'll come back with a processing solution tailored to your specific business model.
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