Research-Only Peptide FAQ & Compliance Information
This page explains how PeptidePay USA operates, what is permitted, what is prohibited, and how research-only peptide businesses must position themselves to remain compliant with payment processors, banks, and card networks.
This page is provided for transparency, compliance clarity, and underwriting review.
Research-Only Policy (Critical)
All products processed through PeptidePay USA must be sold strictly for research, laboratory, or analytical use only.
- Human consumption or ingestion
- Medical, therapeutic, or health claims
- Dietary supplement positioning
- Veterinary treatment claims
- Performance, anti-aging, weight loss, or wellness claims
Any implication of consumption or treatment may result in account review, monitoring, or termination.
Website Language – What Must Be Included
- Clear “Research Use Only” disclaimer visible on product pages
- Language indicating laboratory, analytical, or experimental use
- Non-medical, non-therapeutic product descriptions
- Clear shipping, refund, and contact information
- Consistent wording across site, checkout, and receipts
Website Language – What Must Be Removed
- Dosage instructions or measurements implying ingestion
- Before/after imagery or testimonials
- Health condition references (even indirect)
- Words such as “treatment,” “therapy,” “healing,” or “medicine”
- References to FDA approval or medical studies tied to consumption
Payment Processing & Underwriting
Is approval guaranteed?
No. All accounts are subject to underwriting review. Approval is not guaranteed.
Why is peptide processing considered high-risk?
Due to regulatory sensitivity, chargeback exposure, and historical misuse of peptides for non-research purposes, banks classify this category as high-risk.
What factors affect approval?
Website language, fulfillment model, processing history, chargeback ratios, volume expectations, and operational transparency.
Are reserves required?
Some merchants may be subject to rolling reserves based on risk profile. Reserve requirements may adjust over time with performance.
Chargebacks & Dispute Management
- Clear billing descriptors matching brand name
- Prompt customer support response
- Clear refund and cancellation policies
- Shipment tracking and delivery confirmation
- Documentation retention for dispute defense
What chargeback levels are acceptable?
Generally under 2% for most accounts. Lower thresholds apply for higher-volume tiers. Excessive disputes may trigger monitoring or account review.
Fulfillment & Shipping
Is third-party fulfillment allowed?
Yes, but it increases underwriting sensitivity. Merchants must retain shipping proof, tracking data, and realistic delivery timelines.
What shipping practices are expected?
Orders should be shipped promptly, tracked, and delivered within the timeframe stated on the website.
Subscriptions & Recurring Billing
Are subscriptions allowed?
In many cases, yes — provided renewal terms, billing frequency, and cancellation instructions are clearly disclosed.
Why are subscriptions scrutinized?
Subscription confusion is a common cause of chargebacks. Transparency and easy cancellation are mandatory.
Account Changes & Monitoring
What happens if volume spikes?
Unplanned volume increases may trigger review or temporary controls. Merchants should communicate growth plans in advance.
Can my pricing tier change?
Yes. Improved performance may lead to better terms. Increased risk may result in tighter controls.
General Questions
Is PeptidePay USA a bank?
No. PeptidePay USA is a payment processing solution supported by MOBOPAY®.
Do you provide legal or regulatory advice?
No. Merchants are responsible for ensuring their own regulatory compliance. We provide processing-related guidance only.
Where can I apply?
You can begin the application process at /apply/.