Peptide payment processing
Accept credit cards for peptides. A high-risk card processor for research peptide stores, with no rolling reserve and no minimum monthly volume.
- Visa
- Mastercard
- Apple Pay
- Google Pay
01 · STRIPE SHUT ME DOWN
Why Stripe, PayPal and Square shut down peptide stores
Mainstream processors don't vet each merchant. They block whole risk categories instead, and research peptides sit in one of them.
Peptides are grouped with supplements, SARMs and nootropics because of chargeback rates, health-claim rules, unclear labelling and card-network scrutiny. Stripe's restricted businesses list covers this category, and PayPal, Square and Shopify Payments apply similar rules.
Stripe shut down my peptide store. What happened?
Sign-up is easy, so stores often process for weeks before a review. Then the account is closed, and the balance is often held through the dispute window. Common triggers:
- A sudden jump in sales volume
- A few chargebacks or disputes
- An automated website or product review
- A customer or competitor complaint
Merchant category codes (MCC) for peptides
Your MCC tells card networks what you sell. Peptide stores usually land in one of these:
| MCC | Category | Notes |
|---|---|---|
| 5122 | Drugs and drug sundries | The common default for peptides. Flagged for card-not-present sales. |
| 5912 | Drug stores and pharmacies | Also heavily scrutinised. |
| 5999 | Miscellaneous specialty retail | Often accurate for research-supply stores. |
| 5047 | Medical, dental and lab equipment | For stores mainly selling lab supplies. |
02 · YOUR OPTIONS
Three ways a peptide store can accept credit cards
A mainstream processor, a traditional high-risk merchant account, or a high-risk card processor built for small and new peptide stores.
| Stripe, PayPal, Square | High-risk merchant account | BrokkrPay | |
|---|---|---|---|
| Accepts peptides | Restricted | Yes | Yes |
| All-in cost | Standard rates, until closed | 8–15% | 2.5% + your processor’s fee |
| Rolling reserve | Balance often held on closure | 5–10% for 90–180 days | None |
| Minimum monthly volume | None | Often high | None |
| Setup fee | $0 | $0–$2,500 | $995, first month included |
| Time to go live | Minutes | 1–4 weeks | Under 24 hours |
| Realistic lifespan | Weeks | Ongoing, frequent repricing | Ongoing |
03 · WHAT IT COSTS
What peptide payment processing really costs
High-risk merchant accounts stack fees and hold back part of your revenue. Here is a store doing $100,000 a month.
HIGH-RISK MERCHANT ACCOUNT
in fees per month, at 8–15% all-in
- Discount rate
- 4.95–9.95%
- Setup fee
- $500–$1,500
- Monthly and gateway fees
- Yes
- Held in reserve
- ~$10,000
BROKKRPAY
of your revenue held back, ever
- Rolling reserve
- None
- Minimum monthly volume
- None
- Where your sales land
- Your own account
- Your rate
- 2.5% + processor fee
Plus a $995 setup fee covering your first month, then a $295 monthly minimum spend from month 2. Reserve shown at 10% of monthly volume.
04 · THE STRIPE ALTERNATIVE
A Stripe alternative built for peptide stores
BrokkrPay is a high-risk card processor for research peptides, SARMs, supplements and nootropics. Peptides are a category we accept by design, not one we tolerate until a review.
One flat rate
2.5% on every payment, plus your processor’s own fee.
No rolling reserve
None of your revenue is held back for months.
No minimum volume
Built for new and growing peptide stores with no history.
Every major way to pay
Visa, Mastercard, Apple Pay and Google Pay.
Every order screened
Risky orders are blocked before they become chargebacks.
Live within 24 hours
From sign-up to your first card payment in under a day.
05 · GETTING STARTED
How to start accepting cards for peptides
- 1
Sign up for free
Signing up and integrating costs nothing.
- 2
Pay your setup fee to go live
$995, once — and it covers your first month, with the credits that month runs on. The $295 monthly minimum spend starts in month 2.
- 3
Add your company information
Company registration, the products you sell and your website.
- 4
Integrate your store
WooCommerce plugin, WordPress plugin or direct API. Our AI skill helps Claude Code, Codex and similar coding agents do it for you.
- 5
Take your first payment
Every order shows up in your portal. See the full guide.
06 · WHO IT SUITS
Built for small and new peptide stores
BrokkrPay serves every lawful peptide business, but it fills the gap high-risk processors leave for smaller operators. Who it's for
- Research-use-only peptide stores with accurate labelling
- New stores with no processing history
- Stores below the minimum volume high-risk processors require
- Stores that also sell SARMs, supplements or nootropics
07 · STAY IN GOOD STANDING
How to keep your peptide store's processing healthy
Card networks watch your chargeback rate. Visa's and Mastercard's monitoring programs start flagging merchants at around 1.5%. Aim to stay under 0.5%.
Label products accurately
Research-use-only wording, no dosing or therapeutic claims.
Ship fast, with tracking
"Item not received" is a top chargeback reason.
Make refunds easy
A refund costs less than a chargeback.
What is the MATCH list?
MATCH is Mastercard's database of terminated merchants. A listing lasts five years and makes a new merchant account very hard to get. Low chargebacks and accurate business descriptions keep you off it.
08 · FAQ
Peptide payment processing FAQ
Can you sell peptides on Stripe?
Not reliably. Stripe restricts research peptides and usually closes accounts once it spots them. PayPal, Square and Shopify Payments, which runs on Stripe, apply similar rules.
What is the best Stripe alternative for peptides?
A high-risk card processor that accepts peptides by design, with no rolling reserve and no minimum volume. It charges 2.5% per payment, a $995 setup fee that covers the first month, then a $295 monthly minimum spend from month 2.
How much does peptide payment processing cost?
High-risk merchant accounts cost 8–15% all-in plus a 5–10% reserve. BrokkrPay costs 2.5% on each payment plus your card processor’s own fee, with no reserve. Going live costs a $995 setup fee, which covers your first month, and from month 2 a $295 monthly minimum spend that is itself prepaid credits.
Does BrokkrPay hold a rolling reserve?
No. BrokkrPay holds no rolling reserve.
Is there a minimum monthly volume?
No. Newly launched peptide stores with no processing history are welcome.
How fast can a peptide store start accepting cards?
Traditional high-risk accounts take one to four weeks. With BrokkrPay, most stores go from sign-up to first payment in under 24 hours.
Can a peptide store accept Apple Pay and Google Pay?
Yes. BrokkrPay supports Visa, Mastercard, Apple Pay and Google Pay.
Does BrokkrPay work with WooCommerce and WordPress?
Yes. There's a WooCommerce plugin, a WordPress plugin and a direct API, plus an AI skill for Claude Code, Codex and similar coding agents.
What MCC do peptide stores use?
Usually 5122, sometimes 5912. Research-supply stores may fit 5999 or 5047.
What is the MATCH list?
Mastercard's database of terminated merchants. A listing lasts five years and makes new merchant accounts very hard to get.
How do I pay BrokkrPay?
With prepaid credits in USDC. A $995 setup fee gets you live and covers your first month; from month 2 on, a $295 monthly minimum spend — and that minimum is itself credits, spent on your 2.5% processing fee as orders come in. Credits you buy above the minimum carry over.