MGM-15 is a 7-OH alternative botanical compound used in supplements and extracts. It is legal in most states but treated as high risk by payment processors.

Can I use Stripe or PayPal for MGM-15?

No. Stripe, Square, and PayPal prohibit MGM-15 and similar botanicals. You need a high-risk processor like High Wire Payments.

What are MGM-15 processing rates?

Rates for MGM-15 merchants typically range from 3% to 5.5% depending on volume, product type, and risk level.

How long does approval take?

Most MGM-15 merchant accounts are approved within 5 to 7 business days once required documents are submitted.

Payment Processing for MGM-15 (7-OH Alternative)

The rise of MGM-15 as a legal 7-OH alternative has created a demand for stable, compliant payment processing. High Wire Payments provides dedicated MGM-15 merchant accounts that let you accept cards online and in store without risk of shutdowns or frozen funds. Our program is built specifically for alternative botanicals and high-risk compounds like MGM-15, ensuring long-term stability and clear communication with our partner banks.

Whether you are selling MGM-15 gummies, tablets, or extracts, we handle the complex underwriting and compliance steps for you. With custom interchange-based pricing, live account support, and no hidden fees, our MGM-15 payment processing program gives you full control and transparency.

Apply Now Talk to an Expert

Start Your MGM-15 Merchant Account Application

Why MGM-15 Requires Specialized Payment Processing

MGM-15, often marketed as a 7-OH alternative, is a next-generation alkaloid derivative that shares similarities with kratom extracts but has been formulated to comply with recent FDA and DEA pressures surrounding 7-hydroxymitragynine. While MGM-15 itself remains legally undefined in many states, card networks and banks view it as a derivative botanical that falls into the “high-risk” category.

This means that most mainstream processors such as Stripe, Square, and PayPal will not approve your business for MGM-15 products. Their automated risk filters flag cannabinoid and alkaloid terms, leading to account terminations and held funds. High Wire Payments solves this problem by using banking partners that understand the MGM-15 supply chain and allow structured, monitored merchant accounts.

What Makes High Wire Payments Different

We are one of the few U.S.-based processors underwriting MGM-15 and 7-OH alternative sales. Our team works with over 30 partner banks that specialize in alternative botanicals, cannabinoids, and novel compounds. Your account is matched to the appropriate bank depending on your product type, business model, and fulfillment structure.

Direct banking relationships with U.S. and offshore partners
Transparent interchange-plus pricing from 0.35% to 2% over cost
Support for Authorize.net and NMI gateways
Fast approvals for ecommerce and retail stores
No contracts or cancellation fees

Website and Product Compliance

MGM-15 merchants must maintain a compliant website. Our compliance team reviews your product descriptions, labels, and disclaimers to ensure they meet underwriting standards. Avoid using the term “7-hydroxymitragynine” in product copy or medical claims in any form. Use clear disclaimers like “For research or novelty use only” when applicable.

To pass review, include the following pages and disclosures on your site:

Age gate (21+ verification)
Terms and conditions page
Refund and return policy
Shipping and regional restriction policy
Contact page with phone and email

Pricing and Fees for MGM-15 Merchant Accounts

Pricing for MGM-15 payment processing depends on volume, fulfillment, and dispute history. Most merchants fall between 3% and 5.5% effective rates, including all fees. We build a custom interchange-plus model so you can see the exact markup. There are no hidden fees, no setup charges, and no reserves for low-risk accounts. If a reserve is required, it is fully transparent and revisited after 90 days of clean processing.

We will provide a rate comparison if you are moving away from another processor or crypto-only setup. For most MGM-15 sellers, our blended rate reduces total fees by 25% or more compared to flat-rate high-risk aggregators.

Fraud and Chargeback Control

We implement AVS, CVV match, IP velocity checks, and 3D Secure for MGM-15 transactions. These tools prevent friendly fraud and card testing attacks. We also help you create confirmation emails and descriptor language that lowers confusion and false claims. If disputes happen, we prepare evidence packages that raise your win rate with card brands.

Approval and Launch Timeline

To apply for an MGM-15 merchant account, submit the short form above and include your business registration documents, recent bank statements, and photos or COAs of your MGM-15 products. Once the documents are received, most approvals complete in 5 to 7 business days. Your account manager will guide you through gateway integration, test transactions, and descriptor setup.