01
Peptides only
No CBD, firearms, or adult. Every account, underwriter, and gateway is configured for peptide commerce. We know what a clean MID looks like because we've seen the dirty ones.
Approval in 10 days, even after MATCH or a Stripe termination. Two independent acquiring banks. Statement-audited pricing. Quote in one business day.
Peptide brands pay 5–15% all-in across the industry today. Most PeptideRails merchants cut their effective payment cost by 30–50% in year one — without the surprise reserve increases.
§ Free guide · No call required
Forty pages on Mastercard BRAM, FDA enforcement, LegitScript timelines, and the questions to ask any processor that wants your peptide volume. Drop your email and we'll send it.
Sent. Check your inbox in 2 minutes.
If it doesn't show up, check your spam folder for an email from guide@peptiderails.com.
The state of peptide payments · May 2026
Mastercard's BRAM update (GLB 11691.1) and the FDA's 2025–2026 enforcement waves have driven Stripe, Square, PayPal, and Shopify Payments out of the category entirely.
Peptide-industry payment volume blocked or frozen across U.S. processors in 2025.PeptideRails internal analysis, 2025
Average length of fund freezes after Stripe, Square, or PayPal terminations.Mastercard card-network rules
FDA warning letters issued to peptide and GLP-1 sellers in 2025–2026.FDA Warning Letters database
PeptideRails onboarding SLA for properly-prepared LegitScript merchants.Documented SLA, 2026
§ Compliance & certifications
Each U.S. card-network registration and third-party certification on file — with the framework, the documentation, and where to read more.
Attestation packet available under NDA
Audit reports, sponsor-bank chain, BRAM filings.
LegitScript Certified
The third-party merchant certification required by every U.S. acquirer to board peptide e-commerce. We bundle the $1,075/year fee at-cost and pre-screen your application.
Mastercard BRAM-compliant
Our underwriting screen is built around the BRAM requirements introduced in the June 2025 GLB 11691.1 update — not retrofitted to them.
PCI-DSS Compliant
SAQ-A scope. Card data never touches PeptideRails servers — tokenized at the gateway, processed by the acquirer. Annual self-assessment on file.
Visa & Mastercard registered high-risk
Two independent U.S. acquiring banks, both card-network registered for high-risk merchant categories. Sponsor-bank chain disclosed under NDA before signing.
What's different
No CBD, firearms, or adult. Every account, underwriter, and gateway is configured for peptide commerce. We know what a clean MID looks like because we've seen the dirty ones.
Every merchant gets a primary and a pre-underwritten backup acquirer. If your primary tightens risk appetite, your backup is already live. No 180-day freeze. No MATCH.
No public rate card. We line-item your last processor statement and quote you against your real numbers. You see what you'd save — not where we'd land in a hypothetical range.
We pay for LegitScript at cost. We review your product copy for FDA-safe language. We introduce you to telemed partners. Bundled — not billed.
Rate calculator
Set your monthly processing volume. We'll show the dollars most peptide brands at your volume recover in their first year — across rate savings, working capital released from rolling reserve, and avoided shutdown cost.
Monthly card volume
The six failure modes
Processors run automated crawlers for peptide terms. The hammer drops without warning when transaction patterns reveal what you sell.
A $50K/month brand gets shut down → up to $150K stuck for six months while pending orders fail and chargebacks spike.
One termination can land you on the card-network blacklist, making re-approval nearly impossible without an expert in the loop.
Even when you find a high-risk processor, they hold 10–15% of your sales for 180 days. Working capital choked just as you're scaling.
Certification is now mandatory but the path is opaque — wrong tier, missing disclaimers, FDA-flagged copy. Most founders learn the hard way.
Generalist brokers ask for documents in three rounds, kick back rejections, and rebid mid-process. Revenue lost while you wait.
How it works
Nine fields. No phone tag. We send your conditional quote by email.
Side-by-side savings analysis to your inbox. Line-itemed against your last processor.
Concierge if you need it. We pay at cost ($1,075). Pre-screened in 2–3 weeks.
Primary + backup MID approved together. One document checklist, no rebids.
Shopify, WooCommerce, or custom gateway. Routing console comes online.
Versus the market
The honest, side-by-side. The serious peptide brands we work with don't want to be on the same processor as MATCH-listed grey-market operators. Neither do we.
| Feature |
PeptideRails
|
Easy Pay Direct | AllayPay | HolisticPayments |
|---|---|---|---|---|
| Industry rate range | 5–15% typical for peptide MIDs | 5–15% | 5–15% | 5–15% |
| Pricing model | Statement-audited. Published savings vs. your current rate. | Quote-only | Quote-only | 2% ACH only; card undisclosed |
| Reserve | Statement-audited. Released on a published schedule. | 10–15% / 180 days | Quote-only | Varies |
| LegitScript bundled at cost | ✓ Yes | — Required, not bundled | — Pass-through | ! Not required red flag |
| Two pre-underwritten backends | ✓ Yes | — No | — No | — No |
| Boards MATCH-listed merchants | Yes, with documented cause + LegitScript | No | Yes (broad) | Yes (very broad) |
| Onboarding (compliant merchant) | 10 days | 4–6 weeks | "Quick" | Same-day claim |
| Application fee | $0 | Varies | Varies | $0 |
| Contact channel | Web app + email | Web app | Web + phone | Telegram |
Comparison reflects publicly available positioning as of May 2026. Specific quotes vary by merchant.
Compliance
Three regulatory pressures shape every U.S. peptide MID right now. Here's how we work with each.
Functionally required for any U.S. peptide MID. We bundle the cost and pre-screen your site so you clear in 2–3 weeks instead of 6–8.
Read the brief →June 2025 enforcement update added research peptides to the high-risk fine list. Our underwriting screen is built around BRAM — not retrofitted to it.
Read the brief →"Research use only" claims, comparative GLP-1 claims, and unsubstantiated labels are the dominant triggers. We review your copy before underwriting.
Read the brief →We decline RUO-only sellers making human-use claims, comparative GLP-1 claims to FDA-approved drugs, and merchants without CoA testing on product. These sink the portfolio — and every approved PeptideRails merchant benefits from the ones we said no to.
Frequently asked
Yes — with documentation of the cause and a LegitScript certification path. We're stricter than processors that advertise "MATCH OK" because the alternative is being on the same processor as merchants who shouldn't be.
No. We'll quote you a rate regardless. If you're not certified, we walk you through it as part of onboarding — and we cover the cost at-cost ($1,075/year).
Five to seven days once we have your documents. Our promise: documents requested once, in one batch, with a checklist. No rebid mid-process.
Easy Pay Direct gatekeeps via LegitScript and quotes case-by-case with no published ranges. We publish ranges, bundle LegitScript at cost, and give every approved merchant a pre-underwritten backup acquirer.
Pure "research use only" sellers making human-use claims. Comparative GLP-1 claims to FDA-approved products. Branded compound names that obscure the actual compounder. Merchants without CoA testing.
We work with two independent U.S. acquiring banks. We don't name them publicly because doing so creates pressure on them to tighten risk appetite. We disclose both under NDA before signing.
Two dozen more questions, grouped by topic, on the full FAQ page →
Get a quote
Quote in one business day. No sales call until you see your number. If our audit shows we can't lower your total cost of ownership in year one, we won't board you.