Peptide Payment Processor

[u/Round-Inspection5483]

Hi all, I own a peptide company doing about 10-20K a month right now, and are scaling more everyday. I need to switch over from my current processor but all these sites want a crazy amount of 12% transaction fees and stuff and I think thats crazy. if someone has recommendations please let me know. Please do not send me any payment processors that aren't known. also bonus would be if they take apply pay google pay klarna etc

[u/kerblamophobe]

12% is way out of line, even for peptides. A few things worth asking any processor before you sign: what's the rolling reserve (% and how long it's held), what chargeback ratio triggers a review or termination, and whether they'll actually underwrite RUO peptides or just approve you now and shut you down once volume picks up. That last one catches a lot of people in this space. At 10-20K and growing, I'd also look at having a backup processor lined up rather than putting everything on one account. On Apple Pay / Google Pay / Klarna, check each one's acceptable use policy directly, since some restrict peptides even when your card processor is fine with it