If you searched for peptide payment processing, Peptide Payments (peptidepayments.co) is probably the first result you saw. This page is not an argument that they are bad at what they do. It is an explanation that they and BrokkrPay do structurally different things.
Peptide Payments sells a peptide merchant account — they replace Stripe. A high-risk acquirer underwrites the business and issues a MID, and card payments run through that acquirer instead of through Stripe. BrokkrPay is a checkout and de-risking layer on the merchant’s own Stripe account — nothing is replaced. A Pay with Stripe button in your checkout sends the customer to a Stripe Checkout page, BrokkrPay de-risks the transaction, and the charge settles to your own Stripe balance for a flat 2.5% plus Stripe’s standard rate. Choosing between them is choosing between two models, not between two prices.
We do not publish their pricing. Their terms are theirs to state, and quoting a number we have not verified would make this page unreliable. The mechanism is what can be compared honestly.
The merchant-account column describes the product category — a dedicated high-risk MID — not any specific provider’s commercial terms. For Peptide Payments’ own pricing and terms, ask Peptide Payments.
It is the difference that shows up in your bank account, not in the pitch deck.
With a dedicated merchant account, the acquirer is in the settlement path. It decides your payout schedule and typically withholds a rolling reserve against future chargebacks — on high-risk MIDs, commonly 5–10% held for 90–180 days. That is a structural feature of the model, not a penalty, and it is the single biggest cash-flow difference between the two products.
With BrokkrPay, the charge runs on your own Stripe account. Funds settle to your own Stripe balance and pay out to your own bank on Stripe’s standard schedule. BrokkrPay is a software provider, not a bank, acquirer, ISO, PSP, money transmitter, or custodian, and never holds or routes your funds. There is no BrokkrPay reserve, because there is no BrokkrPay-held balance for one to sit in.
Start with peptide payment processing for the vertical detail — fees, MCC codes, LegitScript, chargeback thresholds, and what underwriting asks for. The Stripe policy question is answered on can you sell peptides on Stripe?, and the keep-Stripe answer to the “Stripe alternative” search is on Stripe alternative for peptides.
The general contrast against any dedicated MID, not just a peptide one, is on BrokkrPay vs a high-risk merchant account. What BrokkrPay is and is not — it is not an ISO — is on about.
Tell us your vertical and your monthly volume. Approved operators are live on their own Stripe account within a day.