§ FAQ · A print interview
Grouped by topic. Long-form. Not an accordion. If your question isn't here, email us and we'll add it.
Nine fields. Brand name, website, monthly volume, current processor, MATCH status, LegitScript status, product category, contact, attribution. Documents requested only after you've seen your quote.
Five to seven days once we have your documents. Our promise: documents requested once, in one batch, with a checklist. No rebid mid-process.
Only after you've seen your quote and asked us to. Most merchants close in email and a single 20-minute call before signing.
Two months of bank statements, last processor statement (if any), photo ID, articles of incorporation, voided check. We send a single checklist after the quote.
Yes. We will issue a conditional approval letter naming the acquirer and the rate, contingent on LegitScript clearance and final underwriting documents.
Yes. Shopify, WooCommerce, BigCommerce, Magento, and custom checkouts via Authorize.Net or NMI. Migration takes a few hours, not days.
Zero. We are not paid until your first successful transaction.
No. Month-to-month. If we are not earning our rate, you should leave.
We don't publish a rate card. Our pricing is statement-audited — you send us your current processor statement, we line-item it against PeptideRails pricing, and you see exactly what you'd save before signing anything. If we can't cut your total cost of ownership in year one, we won't board you.
Lower than the 180-day rolling reserves typical of generalist high-risk brokers, on a 90-day rolling schedule. Your exact reserve is calibrated to your chargeback history and product category, and is disclosed in your underwriting letter before you sign.
Yes, with same-day settlement available, as a complement to cards. ACH pricing is competitive and disclosed in the statement audit. We don't recommend ACH-only.
Monthly statement fee, chargeback fee (refunded if you win the dispute), and PCI compliance assessment. No setup, no PCI non-compliance fee, no gateway markup. Every fee is itemized in your underwriting letter — nothing shows up on a statement that wasn't disclosed before you signed.
We provide a chargeback dashboard, automatic representment for clear-cut wins (proof of delivery, signed authorization), and a flat fee per dispute that is refunded if we win.
Daily settlement on a T+2 basis. Higher-volume merchants can request T+1 after 90 days of clean processing.
Only if your chargeback ratio crosses Mastercard's published thresholds. Otherwise the pricing you sign is the pricing you keep — documented in your underwriting letter, not contingent on volume tiers or undisclosed risk reassessments.
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).
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.
BRAM is Mastercard's Business Risk Assessment program. The June 2025 update (GLB 11691.1) explicitly added research peptides. If you take Mastercard, it applies to you.
Yes. A letter to your brand puts your MID at risk inside 30 days. We will help you respond, but a sustained warning letter without remediation is grounds for termination by the acquirer.
Age gate, medical-advice disclaimer, return policy, terms of service, privacy policy, refund policy, and category-appropriate disclaimers per LegitScript. We provide a template.
Yes. Per-batch CoA from an independent lab, displayed on the product page. This is non-negotiable for us.
Yes. Acquirers run quarterly compliance crawls and we run our own monthly. Material changes to product copy should be cleared with us in advance.
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.
Yes — through a licensed telemedicine platform and a 503A/503B compounding pharmacy, with prescriptions on file. Direct-to-consumer without a prescription, no.
Only if the site treats RUO as RUO — no consumer dosing info, no human-use language anywhere, scientific-credentialed customer base. The bar is high.
Yes. Telemed-backed TRT and sexual health clinics are a strong fit for our underwriting.
No. Different regulatory regime, different acquirers, different category-specific underwriting. We refer to specialists.
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.
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.