Compliance underwriting · Cards · ACH · Wire

Zero chargebacks isn't a promise. It's the admission standard.

Payment Peptides underwrites compliance, not revenue. If your operation is clean, we connect it — cards, ACH and wire on your own merchant account, with a ledger you can actually read.

Scored 0–100 · Hard fails cited · Re-scan in 48h
No login, no code — the scan reads your public site. The full file lands in this inbox: score, findings cited line by line, and if we decline, the way back.
How approval works
Scan reportSpecimen · illustrative
example-labs.com2026-08-02T09:14Z
Compliance score91/100
PAYMENT PEPTIDESELIGIBLE
07085100
Claims & marketingPASS
Policies published & reachablePASS
Supplier CoA freshnessNOTE
§1 · The inversion

Every processor asks how much you sell. We ask how you sell it.

01
We don't underwrite revenue
Volume never enters the decision. No minimums, no "projected monthly processing" theatre, no price for being small.
02
We underwrite compliance
A scanner audits your site — claims, policies, suppliers, fulfillment — and scores it 0–100 with every finding cited. That file is the application.
03
Then we defend it daily
Continuous monitoring after go-live, with internal alarms set below the card networks' lines. If compliance drifts, we say so — early.
§2 · Process

How approval works

Five steps · each leaves an artifact
01
Submit
Paste your URL. That's the application — no deck, no projections, no call required.
URL ONLY
02
Scan
The scanner audits claims, policies, suppliers, checkout and fulfillment. Score 0–100; hard fails end the scan with the citation attached.
SCORE 0–100
03
Fix — or approve
Eligible files go to a human underwriter. Everything else gets a remediation plan and a 48-hour re-scan path. A decline is a map, not a door.
REMEDIATION PLAN
04
Process
Approved operations get their own merchant account — card, ACH and wire — and a dashboard whose ledger reads like a ledger.
YOUR OWN MID
Merchant accounts and settlement are provided by partner acquiring banks. We orchestrate. We never hold your funds.
05
Watch
The scanner keeps running against your live site. Drift triggers an alert with the finding; sustained drift triggers suspension. The standard is the standard.
MONITOR LOG
§3 · The artifact nobody else shows

We say no. With a map back.

Most of this market ghosts you. We hand you the checklist. This is what a decline from us looks like — and what happened three weeks later.

PAYMENT PEPTIDES
Specimen
FILE PP-2481 · 2026-06-30RE: example-labs.com — merchant account application
Your scan scored 64/100 with one hard fail. We can't connect you today. Below is exactly why — and exactly the way back.
DECLINEDWITH A WAY BACK
Remediation plan · 4 items
Remove human-use dosing tables from 14 product pagesJUL 12
Rewrite meta titles that contradict the RUO disclaimerJUL 15
Publish refund and shipping policies at stable URLsJUL 15
Route all refunds to the original payment railJUL 18
RE-SCAN REQUESTED · 2026-07-20
21 days later
Re-scan · 2026-07-2188/100
PAYMENT PEPTIDESELIGIBLE
Four fixes. Same company. The file moved to a human underwriter — eligible is a band, never an auto-approval.
The decline is the product. That's why it's the best-designed page we ship.
§4 · The zero standard

You can't promise zero chargebacks. You can build for them.

Recognizable descriptors. Refunds to the original rail. Evidence generated at purchase. And internal alarms set at a fraction of the network's line — so a problem is a Tuesday, not a termination.

Read the full methodology on Standards
Internal alarms vs. network lines
ThresholdNetwork lineOur alert
Visa VAMPdispute ratio
1.5%0.65%
Nachaunauthorized returns
0.5%0.20%
Alerts fire inside PayPep long before any network notices. That distance is the product working.
Gross volume · Jul128,400.00
↳ processing fees−4,241.20
↳ reserve · 10% · 180d−12,840.00
↳ disputes · 0 open0.00
Available111,318.80
Specimen · illustrative
§5 · The ledger

Gross to available, with nothing between the lines.

Fees, reserve, payouts and disputes sit in one cascade you can reconcile line by line. Reserve is the acquirer's retention — never our revenue, and never your "available balance".

§6 · Admission

Who we accept. Who we decline.

Publishing this list costs us applicants. It's also why the ones we connect stay connected.

WE ACCEPT
Research-grade operations — clean claims, verified suppliers, published policies, traceable lots.
· RUO catalog language, consistent down to meta tags· CoAs from identifiable laboratories, current· Refund, shipping and dispute policies at stable URLs· Lot-level traceability from supplier to shipment
WE DECLINE
Consumer-style pseudo-pharma — dosing guides, human-use marketing, GLP-1 sold direct to consumers, syringe bundles.
· Dosing protocols, "stacks", cycle guides· Before/after imagery and human-outcome testimonials· Disclaimers contradicted by SEO and ad copy· Kits that only make sense for human administration
§7 · For banks & acquirers

Underwriting files your risk committee can actually read.

Continuous site monitoring after boarding. Kill-switch governance we apply even to our anchor merchants. Every decision logged, cited and reproducible.

Partner with us
The boarding fileScan report with citations, KYB summary, policy inventory, descriptor plan — one PDF, committee-ready.
The monitor logSite re-scans and threshold checks on a schedule, findings timestamped and hashed at capture.
The kill switchDocumented suspension governance — thresholds, cure windows, escalation — applied without exception.
§8 · Plain answers

Asked, answered, on the record

Is approval guaranteed?
No. Eligibility starts at 85/100 with zero hard fails, and a human closes every approval. A bar everyone clears wouldn't protect the merchants who clear it.
Do you hold my money?
No. Settlement flows from the acquiring bank to your account; we never hold, transmit or custody funds. The dashboard reads the ledger — it isn't a wallet.
What if I'm declined?
You get every finding with its citation, plus a remediation plan. Fix the items and request a re-scan; we review within 48 hours. The map back is part of the product.
Do you require minimum volume?
No. We underwrite compliance, not revenue — volume never appears in the decision. A clean small operation outranks a messy large one.
Which payment methods?
Cards, ACH and wire, on your own merchant account with your own MID. Methods are enabled per approval, based on what your operation supports cleanly.
What do you monitor after go-live?
Your live site — claims, catalog, policies — plus descriptors, refund behavior and dispute signals against internal alarms set below the network lines. Drift gets an alert first; sustained drift gets a suspension.