SARMs payment processing
Accept credit cards for SARMs and research compounds. A high-risk card processor for research-use-only stores at 2.5% + card processor fee, with no rolling reserve and no minimum monthly volume.
- Visa
- Mastercard
- Apple Pay
- Google Pay
01 · SARMS ON STRIPE
Why Stripe, PayPal and Square restrict SARMs and research compounds
Mainstream processors block whole risk categories rather than vet each store. SARMs and research chemicals sit firmly inside one.
Processors exclude categories, not merchants
Stripe's restricted businesses list covers research chemicals and products like SARMs, and PayPal and Square apply similar rules. Shopify Payments runs on Stripe, so the same rules apply there.
Regulators watch SARMs closely
In the US, SARMs are not approved drugs and can't be sold as dietary supplements, and the FDA has warned companies marketing them for bodybuilding. WADA lists SARMs as prohibited substances in sport. That scrutiny makes card networks and processors cautious.
What usually triggers a review
- Dosing or human-consumption language on product pages
- Bodybuilding or performance marketing
- A sudden jump in sales volume or chargebacks
- A customer or competitor complaint
Merchant category codes (MCC) for SARMs and research compounds
Your MCC tells card networks what you sell. Research-compound stores usually land in one of these:
| MCC | Category | Typical use |
|---|---|---|
| 5122 | Drugs and drug sundries | The common default for SARMs and research compounds. |
| 5169 | Chemicals and allied products | Research-chemical suppliers. |
| 5999 | Miscellaneous specialty retail | Mixed research-supply stores. |
02 · YOUR OPTIONS
Three ways a SARMs store can accept credit cards
A mainstream processor, a high-risk merchant account, or a high-risk card processor built for small and new research-compound stores.
| Stripe, PayPal, Square | High-risk merchant account | BrokkrPay | |
|---|---|---|---|
| Accepts SARMs | Restricted | Accepted | Accepted |
| All-in cost | Standard rates, until restricted | 8–15% | 2.5% + card processor 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 | $0 |
| Time to go live | Minutes | 1–4 weeks | Under 24 hours |
03 · WHAT IT COSTS
What SARMs payment processing really costs
High-risk merchant accounts stack fees and hold back part of your revenue. Here is a SARMs store doing $25,000 a month.
HIGH-RISK MERCHANT ACCOUNT
in fees per month, at 8–15% all-in
- Setup fee
- $0–$2,500
- Monthly and gateway fees
- Yes
- Held in reserve
- ~$2,500
BROKKRPAY
per month, at 2.5% + ~1.5% card processor fee*
- Setup fee
- $0
- Monthly fees
- $0
- Held in reserve
- $0
*Example rate. The card processor fee varies by region; your full fee list is in the portal once you've registered. Reserve shown at 10% of monthly volume.
04 · THE STRIPE ALTERNATIVE
A Stripe alternative for SARMs and research compounds
BrokkrPay is a high-risk card processor for SARMs, research compounds, research peptides, supplements and nootropics. These are categories we accept by design.
2.5% + card processor fee
One simple rate. No setup fee, no monthly fee.
No rolling reserve
None of your revenue is held back for months.
No minimum volume
Built for new and growing research-compound 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 SARMs
- 1
Sign up for free
No setup fee and no monthly minimum.
- 2
Top up 250 USD in credits
Prepaid credits cover processing on your first 10,000 USD of orders. Not a setup fee.
- 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 SARMs stores
BrokkrPay serves every lawful research-compound business, but it fills the gap high-risk processors leave for smaller operators. Who it's for
- SARM and research-compound stores, labelled research use only
- New stores with no processing history
- Stores below the minimum volume high-risk processors require
- Stores that also sell research peptides, supplements or nootropics
07 · STAY IN GOOD STANDING
How to keep your SARMs 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 for research use only
Clear research-use-only labelling on every product.
No dosing or human-use claims
Keep bodybuilding and dosing language off your site.
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
SARMs payment processing FAQ
Can you sell SARMs on Stripe?
Not reliably. Stripe restricts SARMs and research chemicals, and accounts are usually closed once the category is detected. PayPal, Square and Shopify Payments (which runs on Stripe) apply similar rules.
What is the best Stripe alternative for SARMs?
A high-risk card processor that accepts research compounds by design. BrokkrPay charges 2.5% + card processor fee, holds no rolling reserve and has no minimum monthly volume.
What is a high-risk payment processor for SARMs?
A card processor that accepts SARMs and research compounds, which mainstream processors restrict. BrokkrPay is one, built for small and new stores.
How much does SARMs payment processing cost?
High-risk merchant accounts typically cost 8–15% all-in plus a 5–10% reserve. BrokkrPay costs 2.5% + card processor fee (around 1.5% as an example; it varies by region), with no reserve and no setup fee.
Does BrokkrPay hold a rolling reserve?
No. BrokkrPay holds no rolling reserve.
Is there a minimum monthly volume?
No. Newly launched SARMs and research-compound stores with no processing history are welcome.
How fast can a SARMs store start accepting cards?
High-risk merchant accounts typically take one to four weeks. With BrokkrPay, most stores go from sign-up to first payment in under 24 hours.
Can a SARMs 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 SARMs stores use?
Usually 5122 (drugs and drug sundries). Research-chemical suppliers may use 5169, and mixed research-supply stores 5999.
Are SARMs legal to sell?
It depends on the country and how they are marketed. In the US, SARMs can't be sold as dietary supplements or for human consumption. Get legal advice for your market.
How do I pay BrokkrPay?
With prepaid credits. Start with at least 250 USD, which covers processing on your first 10,000 USD of orders. It is not a setup fee.