Payment Solutions for Peptides, SARMs, and Research Products
Peptide and SARMs Payment Processing
Peptide, SARMs, and research product sellers face stricter review, higher dispute exposure, and limited banking options. This guide outlines what you will need, how approval works, and the risk profile that affects pricing and reserves.
Use this checklist to prepare your website, documents, and operations before you apply. Solid preparation improves approval odds and helps keep accounts stable.
What you will need before you apply
- Complete application with legal business name and ownership details
- Government issued ID for all owners with control
- Voided check or bank letter for settlements
- Last three months of business bank statements or personal if new
- Last three months of processing statements if you have history
- Product list with links and clear use descriptions for each item
- Fulfillment proof such as carrier receipts or warehouse photos
- Website live with required policies and age gate where applicable
Every claim on your site should be accurate and supportable. Avoid claims that imply treatment or cure.
Website checklist for higher approval odds
- Age verification on first load if your region requires it
- Clear product descriptions without medical claims
- Visible terms, privacy, shipping, and refund pages
- Contact page with business email and phone number
- Refund policy that explains time frames and method of refund
- Shipping policy with delivery windows and tracking practices
- Transparent disclaimers for research or non food use where applicable
- Consistent brand name, descriptor, and support email across the site and the application
Risks that affect approval, pricing, and reserves
Regulatory attention
Many peptides and some selective androgen receptor modulators do not have approval for human consumption. Banks review labeling, intended use, and marketing language. Sites that imply ingestion or therapeutic outcomes face higher scrutiny and may be declined.
Chargebacks and friendly disputes
Disputes arise from unmet expectations, delayed shipping, recurring billing confusion, or product use misunderstandings. High dispute ratios lead to fines, reserve increases, and possible account closure. Clear descriptors, timely ship updates, and simple refund paths reduce this risk.
Supply chain and fulfillment
Long lead times and back orders increase non receipt claims. Use trackable carriers, upload tracking quickly, and require signature for higher tickets. Publish handling times that you can meet.
Marketing and claims
Aggressive benefit language increases complaint risk. Keep content factual. Provide ingredient details, lot tracking, and certificates where appropriate. Avoid before and after imagery that implies treatment.
KYC and product provenance
Banks check source, import records, and packaging. Keep invoices and lot numbers on file. Align labels with site descriptions. Mismatch triggers additional review.
Recurring and trials
Free trials and negative option billing create elevated dispute rates. If you use subscriptions, require clear opt in, pre billing notices, and easy cancellation.
MCC, descriptors, and monitoring
The merchant category code and descriptor must match your real activity. Expect post approval monitoring. Update the provider if your catalog or model changes. Silence during changes increases closure risk.
Typical pricing and reserves for peptides and SARMs
Average effective pricing in this vertical is often near 10 percent of volume. A rolling reserve near 10 percent is common at launch. Exact terms depend on volume, dispute history, average ticket, and fulfillment speed.
- Interchange plus markup with assessments and gateway fees
- Rolling reserve held for a set number of months then released on a rolling basis
- Funding windows can be daily or weekly based on risk review
- Reserves and rates can step down after clean processing
Ask for written terms that show reserve percentage, hold period, funding schedule, and pathway to reductions after performance milestones.
How to prepare your application
- Finish the website checklist with live policies and accurate product pages
- Gather statements, ID, and banking documents
- Create a one page summary that explains products, sourcing, fulfillment, and customer support
- List top SKUs with links and intended use statements
- Note average ticket, monthly volume, and refund window
- Submit the package and respond quickly to underwriting questions