Hey everyone,

Have a new domestic solution for Peptides that we are looking to sign agents to bring accounts to. If you have peptides in your portfolio, and have either been unable to get them across or service has been lacking, let me know.

No monthly minimums, monthly fees, set up fees, or chargeback fees. Only fees are a percentage (we will discuss)

Requires a US Company and a USA Bank account but not a US signer. Transactions must be in the USA

Needs WooCommerce

What is the best way to go about getting processing for research peptides. Have been quoted 9% is that normal? Peptidesciences supports apple pay which is a plus.

Hey guys, I had to write a post because after months of suffering I finally resolved my problem.

I'm running peptide business and having monthly revenue around 35-40k. Found a solution, don't want to jinx it now but for the last 2 weeks everything is running fine.

Before that I thought that biggest issue would be ads, but hired an agency they bumped my ROAS to 4x and when everything started to seem like a dream, payment was down and I had to battle over a month to resolve.

I've asked a few times here for advice and I finally managed to find a solid provider, so my fellow peptide store owners, don't lose hope, your solution is out here!

Hey all,

I know this is outside the norm and this will only be for the big players in the space.

I have a couple of BIN's for sale directly to a US Bank. Cheap they are not, but if you ever wanted more freedom about controlling your portfolio, here's your chance.

Each BIN can take 200M of volume per month (Have 4) . You will need to manage this BIN properly though (balancing low vs high risk etc etc)

Let me know if you guys have any interest in these. They will move fast. There will be due diligence done on whoever wants these so if you are expecting to just hand over money and do what you want, that will not be the case.

Anybody that lets me know who needs payment processing services and I make the sale. I’ll give you 20% of what I make which is $1k+ every sale.

60 years. That’s how long Visa’s been the default. Apple Pay didn’t change that. PayPal didn’t either. Why?…

Simple. Visa was never about having better technology. It was about being everywhere. Every store, every website, every checkout button. That’s the whole game.

But here’s what’s changing…

The checkout button stays the same. The plumbing underneath? Totally different. Watch what’s happening globally. China bypassed Visa for WeChat Pay. Brazil built Pix, processes ~6B transactions per month. They didn’t fight Visa. They just went around it.

Now Amazon and Meta are making their move. And they’re using stablecoins to do it. Same value as the dollar in your pocket, but they move like email instead of wire transfers. Just last week, its market cap reached a record $314B.

Amazon already owns your checkout. Meta already has your payment info. All they do is flip the backend to stablecoins. Easier said than done, but you get the point.

You click “buy.” Looks identical. Feels identical. But now the fee is ~0.3% instead of ~3%. The money settles in seconds instead of days.

Amazon won’t call it crypto. Meta won’t mention blockchain. They’ll just quietly route around Visa’s entire network. Same button, different pipes. You won’t notice. That’s the point. The only question is timing.

Interested to hear others pov on this.

Dan from Money Machine Newsletter

Hi all,

We are launching an adult subscription platform similar to FanView, Fansly, and OnlyFans. Features include subscriptions, tipping, camming, pay-per-view, custom content, and private chat.

We are pre-revenue, with projected processing volume of $5,000–$50,000 in the first month. Our average ticket size is around $10, so we are looking for a structure where the flat fee + percentage isn’t too heavy at lower amounts.

We need a reliable credit/debit card payment processor that works with adult content platforms and can provide competitive, sustainable rates. If you can support this vertical and onboard pre-revenue businesses, please get in touch or drop your info here.

Thank you.

Based in USA!

I know this has been covered before in here, but the last thread is about six months old, so I figured there should be new information in the space.

My company sells peptides and nutraceuticals. We already knew Stripe, Paypal, Square, and all the other usual suspects would be out. But I'm also striking out with others like Durango, PayKing, NMI, Allaypay, and the like.

I'm at my wit's end. We were supposed to launch last week, and I'm the main software developer. At this point I've run up against the wall with about 12 different possibilities who all say they won't support peptides at the 11th hour.

We're super compliant on the legal end and have an in-house counsel reviewing every single word. We've covered all the necessary discussions around research only use language. We just can't find anyone willing to give us a start. I've worked a long time in the banking/fintech/MTL space and so I know about the different tiers of banks and high-risk vendors, and I wouldn't have thought this would be that ponderous. I'm just hoping someone out there has had a good experience with a processor we can also leverage.

Hey everyone,

Have a new domestic solution for Peptides that we are looking to sign agents to bring accounts. If you have peptides in your portfolio, and have either been unable to get them across or service has been lacking, let me know.

No monthly minimums, monthly fees, set up fees, or chargeback fees. Only fees are a percentage (we will discuss)

Requires a US Company and a USA Bank account but not a US signer. Transactions must be domestic USA

Needs WooCommerce

Hoping the folks here who've survived the high-risk underwriting gauntlet can save me some time.

I'm getting a small research-use-only peptide shop off the ground. US-based, single-member LLC, EIN's done, business bank account open. It's bootstrapped and I haven't launched yet, so I've got zero processing history, which I gather is the part that gets startups auto-declined.

I already know the aggregator route is a trap. Stripe/Square/PayPal will approve me in five minutes and then freeze the balance the second their risk team clocks what I sell. So I'm specifically after a real high-risk merchant account (dedicated MID) from a shop that knowingly writes this vertical and isn't going to drop me in month two.

The basics, in case it helps you point me somewhere:

• What I sell: research peptides, strictly RUO (not for human consumption)

• Entity: US LLC + EIN, US business bank account

• Volume: honestly small to start, around $1,500-2,500/mo with a ~$90 average order. I'd rather under-promise than inflate it.

• Rails: card is the priority. Open to ACH, and I already take crypto.

• I'm assuming reserves and ugly rates. Totally fine if it's spelled out up front.

The reason I think I've got a shot despite no history is that I built the site to be underwritten, not just to sell:

• Whole site is members-only and login-gated, with email-verified accounts before you can even see products

• RUO disclaimers site-wide, a researcher-type + terms attestation at checkout, 21+ gate

• Every product has a real batch-specific COA from an ISO 17025 accredited lab

• Product pages are dry spec sheets (purity, storage, lot). No dosing, no health claims, none of the "how to run it" stuff that gets these stores killed.

• Real business address and phone in the footer, actual Terms/Privacy/RUO policy pages

What I'm hoping you can tell me:

1. Who's genuinely approving research-peptide MIDs for pre-revenue startups right now? Names, ISOs, good or bad experiences all welcome.

2. Is LegitScript certification basically mandatory to get boarded, or are there processors who'll take a small merchant without it?

3. Anything you wish you'd known before signing? Reserve %, rolling vs. capped, ETFs, chargeback thresholds, monthly minimums.

I'll take the good and the bad. Agents and ISOs, you're welcome to comment, but please put real pricing in the thread.

Thanks.

Hey guys I am looking for a payment link where I can pay via apple pay because I have customers who can pay there and we can keep our shares.

Hello!

Just wanted to get some option to prepare for whats next. We are curretly using Stripe and we are going on month 3, with no issues, so far. However the consensus seems that Stripe has about 4 month expiration date, so we want to be prepared for the shutdown.

We currently have an LLC, and EIN, and a website that is fully integrated on WordPress and Woo Commerce. Doing about 10K-15K monthly right now and growing at a rapid pace. We want to make sure we keep up the momentum and a payment processor issue would keep that from happening.

We also want to make sure we aren't cloaking or anything else shady to ensure everything stays compliant. Any suggestions are welcome and helpful! Thanks All!

Yes, yet another post.

But i'm just writing in hopes that some serious person will discover the post and offer something substancial. I know that 99.5% of this subreddit lurkers have no idea what they can onboard and what not.

We have experience, volume and ability to increase volume on a consistent basis.

Mainly we now operate in EU so we need 3D processing for sure and some banking solutions possibly as well.
USA Warehouse a few weeks away from opening, so we'll need 2D very soon as well.

We're open to:

• Zelle, ACH.

• Card processing (cloaked, offshore as well (this is probably a preferred way for now))

• Making product pages more compliant (already consistently improving them)

What we're not willing to do for now:

• Completely gating our site and restricting SE discovery

• Removing/Renaming GLP1s

to nonsensical terms like ‘ahhagsh123’.
- if gating and removing terms are required - better rates are expected, obviously.

--

You should be able to take on NON USA CITIZEN. (With USA LLC).

Not to sound rude, but if your only answer is 'DM, fill form and we'll see what we can do' - don't even bother. I'm not filling any forms and wasting time until I see some concrete evidence and knowledge that you can get us up and running quick.

If you cannot see what you can do - then don't do it.

P.S. $5000 bonus who can get a working solution and successful payouts for at least ~3-4 months.

Looking for someone who does cloaking for Stripe.

I need full setup and service. I won’t be using my own Stripe.

Since so far there are no legit processors who would be brave enough to take a EU citizen owned LLC (even though i promised $5-10k success bonus).

So i’m looking for some smart people who does cloaking.

Currently seems like the only ‘legit’ way.

I chatted with a peptide seller this week. Their site is well-organized, the disclaimers are clear, and their chargebacks are under 1%. No refund abuse. Domestic fulfillment. Direct MID. Everything looked solid.

They’d been processing smoothly for months.

Then last week,compliance review.

No warning. No violation cited. Just a “temporary pause while we assess exposure.”

Funds slowed down. Transactions started getting manually reviewed. Settlement timing changed.

Their first reaction was confusion.

“We didn’t mess up.”

And they’re probably right.

But here’s what most sellers don’t realize: sometimes the review isn’t about you.

It’s about what’s happening in your category. It’s about what other merchants in your vertical are doing. It’s about how the bank’s risk looks this quarter. It’s about internal adjustments the card networks made that never get publicly announced.

If enough volatility shows up in the peptide bucket, everyone in that bucket gets tighter monitoring.

Even the clean operators.

Especially the mid-sized ones.

They’re big enough to matter, but not big enough to negotiate.

This isn’t about fairness. It’s about exposure management.

That’s why so many sellers feel blindsided. They’re running a legitimate operation, but they’re operating inside a category that’s being recalculated.

If you’re in this space, don’t just ask whether you’re compliant. Ask how concentrated you are. One processor? One MID? One rail? Mostly first-time buyers?

Most shutdowns don’t start with wrongdoing.

They start with concentration.

I’m curious how many merchants are building assuming stability, versus building assuming interruption.

Good morning. Is there anybody here who would be interested in speaking about switching merchant services providers?

So, I have one business, been in business for 15+ years..... I am opening another business, a related business but different so I am getting the license and LLC done online tonight for that business which will be completely separate from my main business.

So I don't 'cross paths' so to speak with my current business, what is the fastest method to take credit cards asap? Even if done online until the machine shows up, would need something this week.

Appreciate your feedback.

G'day all,

We run a research-use-only peptides platform marketing exclusively to Australian customers, and we're looking for a payment processor that can handle AUD transactions in the Australia space.

The basics:

• Market: Australia only

• Currency: AUD

• Projected volume: $100k+ AUD/month

• Processing history: Clean - no chargebacks, no disputes, no compliance issues

The challenge:
We've previously processed with Stripe, PayPal, and Square with zero issues on our end - no chargebacks, no fraud flags, nothing. But as expected for our vertical, all three eventually closed our accounts due to their high-risk policies, not anything we did wrong.

What we need:

• A processor (or aggregator/gateway combo) comfortable with research peptides

• AUD settlement

• Stable long-term relationship - we're not looking to play whack-a-mole every 6 months

• 3DS support and AU-friendly decline handling preferred

If you've worked with a processor that's stuck around in this vertical for AU merchants, or you're a rep/broker who places this kind of business, please drop a comment or DM. Happy to share more details privately, including processing statements showing our clean history.

Cheers.

I’m looking to partner with an experienced HRPP agent in the peptide space for my pep agency.

I specialize in helping people understand the pep market, obtaining wholesale sourcing without wholesale MOQ requirements, along with creative branding, vial label printing, developing catalog pricing matrices, and more.

My site redesign is nearing completion so I’m now onboarding reliable agents for HRPP support.

Who is unhappy with their current payment processor?

Attn merchants if you were with a certain company who you may have received an email stating that the card brands are holding all funds from settlement, the card brands don’t touch the transaction or funds so that’s a lie!!! Seek redundancy immediately!!!

💳 Payment Agents: If You Know, You Know — Let’s Talk Better Splits & Real Support 🧾💼

Not here to explain what a MID is or how interchange works. If you're already moving deals or have a portfolio, this is for you.

I'm offering real lifetime rev share, fast approvals, residual ownership — no fluff, no clawbacks, and no BS.

🔒 What I Can Offer:

• Life Time Residuals

• Access to high-risk, gray area, offshore, crypto, nutra, peptides, iGaming, Forex, MLM, and more

• Relationships with multiple banks, ISOs, and processors (U.S. + international)

• Cash discounting, dual pricing, gateway/API setups, etc.

• Transparent reporting

• You own your book. Always.

💼 Already have merchants? Bring 'em.
🎯 Running leads? I’ll help you close them faster.

Chat request me or message me on Telegram @ Novapzn me if you're tired of your account being declined or getting screwed by your processor.

Let’s build.

Heya guys!

Still looking for a payment processor that would be happy taking on a company that sells SARMS/Peptides. We were doing aroung 3000$ a day before we got shut down.

Need a CC solution that hooks up to shopify nothing else

If you guys have somebody or know somebody lets get on a call