Merchant processing · Research-use-only
Card processing for research peptide and laboratory suppliers.
Merchant accounts for retail and wholesale sellers of research-use-only products, underwritten with your business disclosed to the bank from the start.
§01Programs and pricing
2 programsTwo programs, specified plainly.
| Code | Program | Underwriting | Rate per transaction | Action |
|---|---|---|---|---|
| RP-B2C | Retail (B2C)Retail sales of research-use-only products to individual buyers | Standard review: site, catalog, labeling, fulfillment | 6.0–8.0%Subject to underwriting. Final rate set after review. | Talk to us → |
| RP-B2B | Wholesale (B2B)Wholesale supply to labs, institutions and resellers | Deeper review: buyers, contracts, supply chain and processing history | 4.0–6.0%Subject to underwriting. Final rate set after review. | Talk to us → |
All pricing and terms are subject to underwriting. Rates, reserves, and processing limits are set by the acquiring bank after review of your application and history.
§02Procedure
4 stepsFrom first message to a live account.
- 01
Inquiry
Tell us what you sell, to whom, and your current processing. We reply with a straight read on fit.
- 02
File review
We review your site, documents and history and flag what an underwriter is likely to question.
- 03
Bank underwriting
The acquiring bank underwrites the file and sets pricing, reserves and limits.
- 04
Live and supported
If approved, you connect your checkout. We stay on the account for disputes and bank reviews.
Timing depends on how complete the file is and on the bank's review.
§03What underwriting reviews
Disclosed, not disguised.
Your products are described to the acquiring bank as they are. No miscoded merchant categories, borrowed accounts or aggregation workarounds.
No processor can promise an account will never be reviewed or closed. Accurate disclosure and clean operating history are what keep accounts stable.
- Labeling
- Research-use-only stated clearly; no human-use, dosing or health claims
- Entity
- Formation documents, ownership, and a bank account in the business's name
- History
- Prior processing statements, with chargeback and refund ratios, where available
- Supply
- Supplier relationships, certificates of analysis, and how orders are fulfilled
04 · Contact