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Dash/Process

Health & wellness

Standard program

Peptides and research compounds payment processing

Research-use-only compounds sit in a narrow lane. What ends the account is almost always marketing language that steps outside it.

Commonly assigned MCC

5122 · 5499

The category actually assigned is set at boarding and can differ from these.

Reviewed

The short version

Research compounds are sold lawfully for laboratory use. The category's problem is that buyer intent and marketing frequently drift toward human use, and once a page implies dosing, the account is selling an unapproved drug in the acquirer's reading.

Approval here depends almost entirely on how disciplined the site is. Merchants who hold the research-use line get boarded; merchants who blur it do not stay boarded.

What is actually being priced

What underwriting is looking at.

Claims drift

Dosing tables, before-and-after imagery or protocol language moves the product out of research use and out of the acquirer's policy.

Buyer verification

Some policies require evidence that buyers are institutional or credentialed rather than consumer.

Regulatory movement

Individual compounds have been reclassified at short notice, which can strand a catalog mid-quarter.

What their lists say

Stripe, Square and PayPal on peptides.

Their own published policies, quoted verbatim and dated, next to where the category stands with our acquiring partners.

Stripe

Prohibited

“Incorrectly labeled research chemicals”

Properly labeled compounds are not named either way.

Square

Not listed

Not named. §3 includes a catch-all for 'high-risk products and services'.

PayPal

Not listed

Not named. 'Certain controlled substances' are prohibited.

Dash Process

Standard program

Written against a research-compound policy, with catalog and marketing review first.

What we ask for
All twenty categories, with sources

In the product

What your application looks like from your side.

The same five stages we publish on the site, a named contact, and the document list for peptides in one place — received, requested, or not needed.

How it works
Meridian Botanicals/Application
Sandbox
  1. Apply
  2. Underwriting
  3. Approve
  4. Integrate
  5. Live

Underwriting in progress

Acquiring review · Peptides and research compounds program · MCC 5122

In review

Documents · 3 of 4 received

  • Full catalog with CAS numbers where applicableReceived
  • Certificates of analysis and supplier documentationReceived
  • Live site including disclaimers and any buyer verificationReceived
  • Processing history and chargeback ratioRequested
Illustrative · figures are fictional, not a quote

What we put in place

  • An acquiring program with a written research-compound policy
  • Pre-submission review of catalog and marketing language
  • Multi-MID structures so one compound's reclassification is contained
  • Monitoring against card-brand and acquirer policy changes

What underwriting will ask you for

Assemble these before you apply anywhere. The list does not get shorter by waiting, and having it ready is the single biggest thing you control about how long this takes.

  • Full catalog with CAS numbers where applicable
  • Certificates of analysis and supplier documentation
  • Live site including disclaimers and any buyer verification
  • Processing history and chargeback ratio
Why each document is on the list

Questions

About peptides.

Sold for research use, labeled as not for human consumption, with no dosing or health language anywhere in the catalog or marketing. Mainstream lists prohibit mislabeled research chemicals specifically; our acquiring program writes against a written research-compound policy, and labeling is where most files fail.

On this account

What an account in this vertical usually runs on.

Next

Debt collection

Tell us about your peptides business.

We will tell you which of our acquiring partners writes it and what your file needs before it goes anywhere.

Get approvedAsk a questionor call (347) 594-9686