Simple Peptide × XRay Payment
Built for peptide
commerce.
A merchant-services program shaped around the realities of peptide businesses—combining XRay Payment’s payments infrastructure with the operating perspective of a U.S.-based peptide manufacturer.
Payment×Simple
Peptide Peptide Merchant Program
Why this program exists
Payments built around the vertical—not forced into it.
Peptide businesses often lose time cycling through processors that do not understand their products, documentation, or operating model. Simple Peptide and XRay Payment developed this path so qualified merchants can enter underwriting through a program designed specifically for the category.
Program eligibility requires sourcing applicable products from Simple Peptide as XRay’s approved U.S.-made manufacturing partner. That common manufacturing and documentation standard helps XRay assemble a consistent underwriting package for participating banks.
What the program provides
A stronger path to approval—and continuity.
Every account remains subject to underwriting, monitoring, card-brand rules, and program terms.
- 01
Peptide-aware underwriting
A guided application, compliance profile, and document packet tailored to the peptide vertical.
- 02
Direct boarding to your own MID
A dedicated merchant account instead of relying on a shared payment aggregator.
- 03
Redundant transaction routing
XRay manages transaction flow across its participating back end to reduce reliance on a single route.
- 04
Optional commerce stack
Hosted checkout, storefront tools, subscriptions and rebills, and in-person POS may be available on the same account.
- 05
Funding clarity
Deposit timing, pricing, reserves, and applicable program terms are reviewed during boarding.
- 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.
Ready to begin?
Build a processing foundation designed for peptide commerce.
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. 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.