Card processing that doesn't get shut off.
For peptide/RUO stores that are crypto-only, stuck on Zelle, or one flagged order from a frozen Stripe/Shopify account — we board you on compliant merchant accounts (MIDs) that stay live. Cards back on in 3–5 days.
The processing problem
Mainstream processors don't want your business. Here's what that looks like.
Frozen
Stripe, PayPal, Square, and Shopify Payments prohibit peptides. Accounts freeze and hold funds for 90–180 days.
Crypto-only
Stuck on crypto or Zelle, losing card customers at checkout who don't want to jump through hoops to pay.
On-ramp workaround
Cards run through an on-ramp like Banxa so statements show the wrong name, buyers get ID-checked, and some states can't pay at all.
Three ways to board
Compliant merchant accounts that stay live — pick the one that fits your cash flow and settlement needs.
No-Reserve MID
12.95% + $0.50/txn
- No rolling reserve
- No contract or monthly fees
- Surcharge fee to buyer
- Multi-MID routing
- Crypto settlement
Dedicated US MID
10.95% + $0.50/txn
- Dedicated US merchant ID
- Lower chargeback & refund costs
- Weekly settlement
- 24/7 support
- US dollars or crypto settlement
Fiat-Settlement MID
9.95% + $0.90/txn
- USD wired to your bank
- Lowest effective rate
- 3–5 day onboarding
- USD settlement
Which processor fits you?
Enter your numbers and preferences. We'll show the cost for each plan and recommend the best fit.
Total monthly credit/debit card sales
Average transaction amount
Recommended for you
No-Reserve MID
No reserve held and fees passed to your buyers — maximum cash flow.
| Plan | Est. Monthly Cost | Reserve Held |
|---|---|---|
No-Reserve MIDBest Fit after surcharge to buyer | $529$10,582 | None |
Dedicated US MID | $8,982 | $8,000 |
Fiat-Settlement MID | $8,360 | $8,000 |
Reserve is money returned to you after ~180 days — it is not a fee. Debit and prepaid cards can't be surcharged. Estimates are illustrative.
Debit and prepaid cards cannot be surcharged. Surcharging rules vary by state and must comply with card-brand requirements. This page provides general information only and is not legal advice. Results from the calculator are illustrative estimates, not guarantees of pricing or approval.