Why underwriters look closely at peptides
LegitScript certification
Most acquirers that accept peptides ask for LegitScript certification before they approve the account, and card brands watch the category closely.
How products are presented
Research-use labeling, dosing language and health claims are read closely. Anything that looks like selling a drug for human use without a prescription gets declined.
Regulatory change
FDA guidance on peptides and compounded products keeps moving, so underwriters want to see that you track it.
A payment setup that fits
How we usually set up peptide sellers. Your consultant tailors it to how you actually sell.
- 1
LegitScript first
We help you prepare for LegitScript certification, so the application goes in with what underwriters expect to see.
- 2
A compliant site before you apply
Clear product pages, terms and age gating, reviewed against the acquirer’s rules before anything is submitted.
- 3
3DS, fraud scrub and dispute alerts
Set up from day one to keep fraud and disputes low while the account builds history.
What you’ll need to apply
Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.
- Government ID for every owner with 25% or more
- Voided business check or bank letter
- Recent business bank statements
- Recent processing statements, if you have taken cards before
- Articles of incorporation and EIN letter
- A website with clear pricing, refund, cancellation and contact details
- LegitScript certification, or your application in progress
- Certificates of analysis for your products
- Supplier and manufacturing details
- Product labels and website disclaimers
Why applications get declined, and how to avoid it
- No LegitScript certification or application
- Health claims or dosing instructions on product pages
- Products that need a prescription sold without one
- Missing certificates of analysis or supplier details
We review your website, policies and statements against these before anything is submitted.
Keeping the account healthy after approval
Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.
- Keep your LegitScript certification current
- Review product pages and ads for new claims every month
- Refund unhappy customers before they go to their bank
Peptides: common questions
Do I need LegitScript to accept cards for peptides?
In practice, usually yes. Most acquirers that accept peptide sellers require LegitScript certification, and having it in hand makes approval faster. We help you prepare for it.
Can I sell research-use-only peptides?
Some acquirers accept research-use sellers with strict labeling and no human-use claims. We tell you which ones, and what your site needs to show.
What about compounded or prescription peptides?
Those usually fall under pharmacy or telehealth rules, with licensing and LegitScript requirements of their own. We match you with an acquirer set up for that model.
What happens after I’m approved?
We keep working with you. Our platform gives you one view of every account, and we review your chargebacks, approval rate, fraud tools and fees with you so the account stays healthy and gets cheaper over time.