Simple Peptide × XRay Payment
Peptide merchant
services.
Mainstream processors decline or freeze peptide businesses. This program boards qualified merchants to their own MID with high-risk underwriting that understands research-use-only (RUO) labeling — powered by XRay Payment and Simple Peptide’s U.S. manufacturing documentation.
Payment×Simple
Peptide Peptide Merchant Program
Why peptide businesses need this
When mainstream processors shut you down.
Card networks treat peptide and research-chemical commerce as high-risk. Generic payment facilitators often prohibit the category, freeze funds after a chargeback, or decline underwriting outright. Cycling through the wrong processors burns time and can put settlement at risk.
Simple Peptide and XRay Payment built a specialist path: peptide-aware underwriting, direct MID boarding, and a document package shaped around how RUO peptide businesses actually operate — not a generic retail template forced onto the vertical.
Eligibility: program participation requires sourcing applicable products from Simple Peptide as XRay’s approved U.S.-made manufacturing partner. That shared manufacturing and lab documentation standard helps XRay assemble a consistent underwriting package for participating banks. Every account remains subject to underwriting, monitoring, card-brand rules, and program terms.
What the program provides
RUO-aware underwriting and your own MID.
Approval is not guaranteed. Pricing, reserves, and funding timing are confirmed during boarding.
- 01
High-risk peptide payment processing
Guided application, compliance profile, and document packet tailored to peptide and RUO research-commerce models.
- 02
Direct boarding to your own MID
A dedicated merchant account instead of relying on a shared payment aggregator that can shut the whole book overnight.
- 03
Redundant transaction routing
XRay manages transaction flow across its participating back end to reduce reliance on a single bank route.
- 04
Manufacturing-backed documentation
When you source from Simple Peptide, COAs, labels, and lab docs are already organized for the underwriting packet.
- 05
Optional commerce stack
Hosted checkout, storefront tools, subscriptions and rebills, and in-person POS may be available on the same account.
- 06
A dedicated XRay Success Manager
One payments specialist helps compile the approval package and remains available after activation.
How it works
Your path to underwriting.
Apply online
Share your business, ownership, banking, and processing details through XRay’s secure application.
Complete and e-sign
Finish the guided compliance profile and required merchant attestations electronically.
Upload and board
Attach the requested lab, label, and business documents for review and sponsor-bank placement.
What you’ll need
Your packet, at a glance.
Your assigned XRay Success Manager confirms the final list for your business model. When you source from Simple Peptide, much of the applicable product and laboratory documentation is already organized.
Product & lab
- Certificates of Analysis
- Product and label images
- Safety Data Sheets
- Complete product list
- Product-label reference URLs
Business records
- Completed merchant application
- Three or more sample invoices
- Top customers by revenue
- Written KYC process
- Complaint and state-compliance procedures
Attestations
- Merchant program attestation
- No controlled or prohibited substances
- Card-brand and legal compliance
- Accuracy and program-term acknowledgements
- MATCH-list representation
Business profile
- Customers and shipping regions
- Research-only and other product use cases
- Repackaging or relabeling activity
- U.S. and international operations
- Ingredient sourcing and fulfillment
Prescription or compounded-peptide businesses may need pharmacy-specific documentation such as accreditation, state licenses, prescription authority, and 503A/503B information.
FAQ
Peptide merchant account questions.
What are peptide merchant services?
Peptide merchant services are high-risk payment processing and merchant-account boarding for businesses that sell peptides. The Simple Peptide × XRay Payment program helps qualified merchants prepare underwriting packets and board to their own MID through participating banks — subject to approval and program terms.
Why do peptide businesses need high-risk merchant processing?
Card networks and many acquirers classify peptide and related categories as higher risk because of chargebacks, compliance review, and product-category rules. Mainstream processors often restrict or terminate these accounts. A specialist high-risk path with peptide-aware underwriting is designed for continuity, not surprise freezes.
Is this a shared aggregator account or my own MID?
This program is built around direct merchant boarding to your own MID, not a shared aggregator account. Multi-bank routing reduces single-bank dependency; it does not guarantee uninterrupted processing.
Do I have to source from Simple Peptide?
Yes for this program. Eligibility requires sourcing applicable products from Simple Peptide as XRay’s approved U.S. manufacturing partner. That is how underwriting stays consistent with manufacturing and lab documentation banks expect.
What about RUO / research-use labeling?
Underwriting for this path is built around research-use and peptide-business documentation, including RUO labeling where it applies. Merchants remain responsible for their own legal, regulatory, and product compliance. Simple Peptide products are for laboratory research use only and are not for human or animal consumption.
How do reserves, funding, and pricing work?
Deposit timing, pricing, reserves, and program terms are reviewed during boarding. Approval is not guaranteed. Your XRay Success Manager confirms what your file needs for your business model.
Ready to begin?
Apply for peptide merchant services with XRay.
Complete XRay’s secure application or speak with the merchant-services team before you start.
Approval is subject to underwriting and program terms. Eligibility requires sourcing applicable products from XRay Payment’s approved U.S.-made manufacturing partner (Simple Peptide). Multi-bank routing is designed to maximize uptime but does not guarantee uninterrupted processing. Required documents vary by business model and are confirmed during underwriting. Merchants remain responsible for their own legal, regulatory, card-brand, and product compliance. Simple Peptide materials are for laboratory research use only and are not for human or animal consumption.