🧬 Built for Peptide & Nutraceutical Merchants
Payment Infrastructure
Designed for High-Risk Verticals
Full-stack payment orchestration — from checkout to settlement. Merchant-of-Record liability, cascading high-risk gateways, PCI Level 1 vaulting, intelligent dunning, and global payout rails. All in one platform.
2,847
Txns Today
↑ 12.4%
$487K
Volume 24h
↑ 8.7%
99.2%
Auth Rate
↑ 3.1%
0.38%
CB Rate
↓ vs 1.2% avg
135+
Currencies
47 countries
<142ms
Avg Latency
P99: 248ms
Merchant-of-Record
We assume liability — taxes, chargebacks, and compliance. You sell peptides, we handle the regulatory maze.
↓ 94% chargeback liability reduction
High-Risk Gateway Cascade
NMI → Durango → Worldpay → PayKickstart. Automatic failover in <200ms. Zero declined legitimate sales.
↑ 23% auth rate improvement
Multi-Currency Engine
135+ currencies with real-time FX rates. Local payment methods (Bancontact, iDEAL, PIX) and local acquiring.
↑ 31% international conversion
PCI DSS Level 1 Vault
Hardware-isolated tokenization. Zero raw PANs in your infrastructure. SOC 2 Type II + PCI DSS v4.0 certified.
0 breaches since inception
Recurring + Smart Dunning
Subscription lifecycle management with ML-powered retry timing. Recovers 38% of failed payments automatically.
↑ 38% recovery rate
Global Payout Rails
ACH, SWIFT, SEPA, local rails. Split payouts to suppliers, affiliates, and marketplace sellers across 47 countries.
T+1 domestic settlement
Compliance & Chargeback Shield
Ethoca + Verifi CDRN pre-dispute alerts. ML fraud scoring. 3DS2 adaptive authentication. Peptide-specific risk rules.
67% disputes prevented pre-chargeback
Developer-First API
RESTful APIs with SDKs for Node.js, Python, PHP, Ruby, Go. Webhooks for every event. Full sandbox environment.
5-minute integration
⚠️ Why Peptide Merchants Get Shut Down — And How We Solve It
| Risk Factor | Traditional Processor | PeptidePay Solution | Impact |
|---|---|---|---|
| MCC Code 5912 (Drug Store) | Auto-reject or terminate | MoR + specialized underwriting | Approved |
| High chargeback rate (>1%) | Account frozen at 0.9% | ML fraud screening + 3DS2 adaptive auth | 0.4% avg CB rate |
| Subscription disputes | No prevention tools | Pre-dispute alerts (Ethoca + Verifi) | 67% prevented |
| International sales | USD only, cross-border fees | Local acquiring in 23 markets | ↓ 2.1% FX savings |
| Regulatory compliance | Merchant's problem | MoR handles tax + compliance per jurisdiction | Full coverage |
| Gateway shutdowns | Single point of failure | 4-gateway cascade with <200ms failover | 99.97% uptime |
Merchant of Record
Full Liability Transfer — You Sell, We Handle Everything Else
As Merchant of Record, we assume legal selling entity status. Tax remittance, chargeback liability, compliance, and customer disputes — all handled.
End-to-End MoR Transaction Flow
👤 Customer
Peptide buyer sees YOUR brand. Checkout is white-labeled.
→
🧬 Your Storefront
Your website, your branding. We provide embeddable checkout components or hosted pages.
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🛡️ PeptidePay MoR
The key. We become the legal seller. Card statement shows our entity. We handle ALL tax, disputes, and compliance.
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🏦 Acquiring Bank
Pre-approved for nutraceutical MCC codes. No surprise terminations.
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💳 Card Networks
Visa/MC/Amex. Chargebacks hit us, not you. We manage network compliance.
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✅ Authorized
Funds settle to our account first, then we pay you on schedule (T+1 to T+7).
📋 Tax Engine
Real-time tax calculation for all US states + international VAT/GST. We file and remit.
↕
🛡️ PeptidePay MoR
↕
⚖️ Compliance
FDA labeling, FTC advertising, state-by-state supplement regulations. Our legal team monitors changes.
↕
🔔 Dispute Mgmt
Pre-dispute alerts via Ethoca + Verifi CDRN. 67% of disputes resolved before becoming chargebacks.
🏛️ Legal Entity Structure
We establish the legal selling relationship with the customer. Your company is the fulfillment partner:
- Chargebacks hit our merchant account, not yours
- We file sales tax in all 45+ US states requiring it
- International VAT/GST handled per jurisdiction
- Your acquiring bank never sees "high-risk" volume
- No MCC code issues — we're pre-approved
💰 Revenue Settlement
| Settlement speed | T+1 to T+7 |
| Hold reserve | 5-10% rolling (90 days) |
| MoR fee | 3.5% + $0.30/txn |
| Tax remittance | Included |
| Chargeback handling | Included |
| Compliance monitoring | Included |
🧬 Peptide-Specific Compliance
- FDA DSHEA compliance monitoring
- FTC advertising claim verification
- State-by-state supplement sale rules
- Age verification where required
- International import/export regulations
- Banned substance screening (WADA list)
High-Risk Gateway Cascade
4-Layer Failover — Zero Legitimate Declines
Intelligent routing across NMI, Durango, Worldpay, and PayKickstart with real-time health scoring and automatic failover in under 200ms.
🎮 Live Failover Simulator — Click a Scenario
Gateway Health Monitor
Live
NMI (Primary)
99.2% auth rate
Durango Merchant Services
97.8% auth rate
Worldpay
96.4% auth rate
PayKickstart (Backup)
94.1% auth rate
Routing Intelligence
ML-Powered| Signal | Weight | Action |
|---|---|---|
| BIN country | High | Route to local acquirer |
| Card brand | Medium | Amex→NMI, Visa→Best rate |
| Amount | Medium | >$500 → extra 3DS |
| Velocity | High | >3/hr → fraud review |
| GW health | Critical | <95% → auto-failover |
| Decline code | Critical | Soft → retry, Hard → cascade |
| Product type | High | Peptides → pre-approved MIDs |
NMI — Primary Processor
Industry-leading gateway for high-risk verticals. Native support for MCC 5912/5499 with pre-negotiated supplement-friendly terms.
- Rates: 2.9% + $0.25 (volume negotiable)
- 3DS2 built-in with SCA compliance
- Level 2/3 data for B2B peptide orders
- Real-time webhooks for all events
Durango — High-Risk Specialist
Purpose-built for supplements, nutraceuticals, and health products. 20+ years in high-risk acquiring.
- Rates: 3.2% + $0.30 (high-risk premium)
- Chargeback prevention suite included
- Offshore MID support for intl sales
- No volume caps on approved products
Worldpay — Global Reach
International acquiring in 120+ countries. Optimal for peptide merchants with global customer bases.
- Local acquiring in 23 key markets
- 146 currencies supported
- Dynamic currency conversion (DCC)
- Multi-entity settlement
PayKickstart — Failsafe
Final fallback with specialized subscription commerce tooling. Catches transactions all others miss.
- Built-in affiliate tracking
- Subscription-first architecture
- Recovery campaigns for declines
- A/B test checkout flows
Multi-Currency Engine
Sell Peptides in 135+ Currencies — Settle in Yours
Real-time FX with transparent margins. Local payment methods increase conversion by 31% in international markets.
💱 Live FX Calculator
→
€276.29
Rate includes 0.5% FX margin (vs. 2-4% at traditional processors) • Updated every 60 seconds from 6 liquidity providers
🏦 Local Acquiring
Process through local banks to avoid cross-border fees (1.5-3% savings per transaction).
| Region | Local Methods | Savings |
|---|---|---|
| 🇪🇺 EU/EEA | SEPA, iDEAL, Bancontact, Sofort | -2.1% |
| 🇬🇧 UK | Faster Payments, Open Banking | -1.8% |
| 🇧🇷 Brazil | PIX, Boleto Bancário | -3.2% |
| 🇦🇺 Australia | BPAY, POLi | -1.5% |
| 🇯🇵 Japan | Konbini, Pay-easy | -2.4% |
| 🇲🇽 Mexico | OXXO, SPEI | -2.8% |
| 🇮🇳 India | UPI, Paytm, Net Banking | -2.9% |
💹 Smart Settlement
Choose your settlement currencies. Hold multi-currency balances or auto-convert on settlement.
- Auto-convert: All funds → USD at settlement
- Multi-currency hold: Keep EUR, GBP, CAD balances
- Hedging: Lock FX rates for 24/48/72 hours
- Reporting: P&L in base currency with realized FX gains/losses
Average 2.1% savings vs. bank wire conversion
🌍 Coverage Map
🇺🇸 United States
🇨🇦 Canada
🇬🇧 United Kingdom
🇩🇪 Germany
🇫🇷 France
🇪🇸 Spain
🇮🇹 Italy
🇳🇱 Netherlands
🇦🇺 Australia
🇯🇵 Japan
🇧🇷 Brazil
🇲🇽 Mexico
🇸🇪 Sweden
🇮🇳 India
🇸🇬 Singapore
🇦🇪 UAE
+ 31 more markets
PCI DSS Level 1 Vault
Military-Grade Card Security — Zero Exposure
Hardware-isolated tokenization. Your systems never touch raw card data. PCI DSS v4.0 + SOC 2 Type II certified.
🔐 Vault Architecture — Card Data Lifecycle
Raw PAN
4532•••• 8901
→
AES-256-GCM
Encryption Layer
→
HSM Vault
Hardware Isolated
→
Token
tok_pep_7f3a9...
Your systems only ever see the token (far right). Raw card data never enters your infrastructure.
🏗️ Vault Architecture
| Encryption | AES-256-GCM + RSA-4096 key wrap |
| Key Management | AWS CloudHSM (FIPS 140-2 Level 3) |
| Token Format | Format-preserving (looks like a card #) |
| Data Isolation | Dedicated VPC, no shared tenancy |
| Access Control | mTLS + RBAC + audit logging |
| Rotation | Automatic key rotation every 90 days |
📋 Compliance Certifications
- ✓ PCI DSS v4.0 Level 1 (400K+ txn/year)
- ✓ SOC 2 Type II (annual audit)
- ✓ ISO 27001:2022 certified
- ✓ GDPR compliant (EU data residency option)
- ✓ CCPA compliant
- ✓ Pen-tested quarterly by NCC Group
🔑 Network Tokenization
Beyond vault tokens — Visa/MC network tokens for higher auth rates:
- Visa Token Service (VTS): 2-4% auth lift
- MC Digital Enablement: 3-5% auth lift
- Card updater: Auto-update expired/replaced cards
- Lifecycle mgmt: Token provisioning/de-provisioning
↑ 4.2% average auth rate improvement
Recurring Billing & Smart Dunning
Subscription Lifecycle — From First Charge to Win-Back
ML-powered retry timing. Predictive churn scoring. Recovers 38% of failed payments that traditional processors lose forever.
📅 Subscription Lifecycle — BPC-157 Monthly Supply ($89/mo Example)
Day 0
Initial Charge — $89.00
Card authorized, tokenized, subscription created. 3DS2 if required. Confirmation email sent.
Day 25
Pre-Renewal Notification
Email/SMS: "Your BPC-157 renewal is in 5 days." Includes manage subscription link.
Day 30
Renewal Attempt #1 — $89.00
Primary gateway (NMI). If success → done. If soft decline → smart dunning begins.
Day 30 + 4 hours
Smart Retry #1 — ML-Timed
ML model predicts optimal retry window based on issuer patterns. Recovery rate: 23%.
Day 32
Smart Retry #2 + Email Nudge
Second retry via alternate gateway (Durango). Email: "Update your card?" Recovery rate: 31%.
Day 35
Smart Retry #3 + SMS
Third retry via Worldpay. SMS notification. Card updater check. Recovery rate: 38%.
Day 40
Final Attempt + Win-Back Offer
"Keep your BPC-157 supply — 15% off. Just update your card." Recovery rate: 44%.
Day 45
Graceful Churn (if all fail)
Subscription paused (not canceled). Win-back at 30/60/90 days with increasing discounts.
Dunning Recovery Rates by Retry
ML-OptimizedCumulative recovery from failed renewals (industry avg: 15-20%)
Subscription Plans Supported
| Plan Type | Example | Features |
|---|---|---|
| Fixed recurring | $89/mo BPC-157 | Standard billing cycle |
| Metered/usage | Per-vial pricing | Usage tracking + invoice |
| Tiered | 5/10/20 vials | Auto-scale pricing |
| Subscribe & save | 15% off recurring | Loyalty discounts |
| Prepaid bundles | 6-month supply | Upfront + fulfillment |
| Trial → paid | $1 trial → $89 | Auto-convert with notice |
Global Payout Rails
Pay Anyone, Anywhere — ACH, SWIFT, SEPA & Local Rails
Split payouts to suppliers, affiliates, labs, and marketplace sellers across 47 countries with T+1 domestic settlement.
💸 Payout Flow — From Your Balance to Recipients
💰 Your Balance
Settled funds from peptide sales. Multi-currency balances available.
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🧮 Split Engine
Automatically splits: 60% to you, 20% to lab, 10% to affiliate, 10% reserve. Fully configurable.
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🇺🇸 ACH
US domestic. T+1. $0.25/payout. Same-day ACH available ($1.50).
🌐 SWIFT
International wire. T+2-5. $15-25/payout. 180+ countries. SWIFT gpi tracking.
🇪🇺 SEPA
EU/EEA. T+1. €0.20/payout. Instant SEPA available (10 seconds).
🏦 Local Rails
Faster Payments (UK), PIX (Brazil), NPP (Australia), UPI (India).
🔀 Split Payout Rules
| Recipient | Split | Rail | Timing |
|---|---|---|---|
| Your operating account | 60% | ACH | T+1 |
| Peptide lab / manufacturer | 20% | SWIFT / Local | T+2 |
| Affiliate / referral partner | 10% | ACH / PayPal | T+3 |
| Reserve (chargebacks) | 10% | Held in vault | 90 day rolling |
Fully configurable per product, affiliate, or region
📊 Rail Comparison
| Rail | Speed | Cost | Coverage |
|---|---|---|---|
| 🇺🇸 ACH | T+1 | $0.25 | US only |
| 🇺🇸 Same-Day ACH | Same day | $1.50 | US only |
| 🇪🇺 SEPA | T+1 | €0.20 | 36 EU/EEA |
| 🇪🇺 SEPA Instant | 10 sec | €0.50 | 28 EU/EEA |
| 🌐 SWIFT | T+2-5 | $15-25 | 180+ countries |
| 🇬🇧 FPS | 2 hours | £0.30 | UK only |
| 🇧🇷 PIX | Instant | R$0.01 | Brazil |
| 🇮🇳 UPI | Instant | ₹0 | India |
🔒 Payout Controls
- Minimum balance: Hold floor before payouts
- Approval workflows: 2-of-3 for payouts > $10K
- Velocity limits: Max payouts per day/week
- KYC/KYB: Full verification for all recipients
- Tax reporting: 1099-K/1099-NEC auto-generation
- Audit trail: Every payout logged with full chain
Compliance & Chargeback Shield
Proactive Defense — Stop Chargebacks Before They Happen
Multi-layered fraud prevention, pre-dispute alerts, and peptide-specific compliance rules. Keeps your chargeback rate below 0.5%.
🛡️ 7-Layer Chargeback Prevention Pipeline
1
ML Fraud Scoring — Real-time risk assessment on every transaction. Device fingerprinting, behavioral analysis, velocity checks. Blocks 89% of fraud
2
3DS2 Adaptive Auth — Challenge high-risk transactions only. Frictionless for trusted customers. SCA-compliant for EU. Liability shift to issuer
3
Ethoca Alerts — Visa's pre-dispute notification system. We get alerted BEFORE the chargeback is filed and can refund proactively. 24hr early warning
4
Verifi CDRN — Mastercard's Collaboration Dispute Resolution Network. Auto-resolve disputes before they become chargebacks. Auto-resolution
5
Descriptor Optimization — Clear billing descriptors that match your brand. "PEPTIDEPAY*YOURSTORE" reduces "I don't recognize this" disputes by 40%. -40% friendly fraud
6
Representment Engine — When chargebacks do occur, our automated representment system fights back with compelling evidence packages. 72% win rate
7
Chargeback Analytics — Root cause analysis dashboard. Identify patterns (product-level, geo, time of day) and fix upstream issues. Continuous improvement
🧬 Peptide-Specific Risk Rules
| Rule | Trigger | Action |
|---|---|---|
| Subscription awareness | New sub > $100/mo | Extra confirmation email + 3DS |
| Research chem flag | Product name matches banned list | Block + manual review |
| Bulk order review | Qty > 10 or > $500 | Enhanced KYC + verification |
| Geo-restriction | Ship to restricted country | Block with compliance message |
| Repeat dispute | Customer has prior CB | Flag for manual approval |
| Card testing | Multiple small charges rapidly | Block + IP ban |
📊 Chargeback Rate vs. Industry
Industry Average (Supplements)
1.2%
Visa Monitoring Threshold
0.9%
PeptidePay Clients
0.38%
3x below monitoring threshold
⚖️ Regulatory Compliance Suite
- ✓ FDA DSHEA supplement rules
- ✓ FTC advertising claim verification
- ✓ State-by-state sale restrictions
- ✓ WADA banned substance screening
- ✓ EU Novel Foods Regulation
- ✓ TGA (Australia) compliance
- ✓ Health Canada NPN verification
- ✓ Age verification (where required)
System Architecture
Production-Grade Infrastructure — Built for Scale
Multi-region, auto-scaling, zero-downtime deployments. Every component is redundant. Every API call is audited.
🏗️ Full System Architecture
Client Layer
🌐 Web Checkout
React / Hosted Page
📱 Mobile SDK
iOS / Android
🔌 REST API
Server-to-Server
🛒 Plugins
Shopify / WooCommerce
↓ ↓ ↓ ↓
API Gateway + WAF
🔒 API Gateway (Kong/AWS)
Rate limiting • Auth • WAF • DDoS protection
↓ ↓ ↓
Core Services (Kubernetes)
💳 Payment Engine
Transaction processing
🛡️ MoR Service
Tax + Compliance
🔄 Subscription Mgr
Billing + Dunning
🚨 Fraud Engine
ML Risk Scoring
↓ ↓ ↓ ↓
Gateway Orchestration (Spreedly)
NMI
Primary
Durango
Secondary
Worldpay
Tertiary
PayKickstart
Failsafe
↓ ↓ ↓
Data & Security Layer
🔐 PCI Vault
HSM + Tokenization
🗄️ Cloud SQL
PostgreSQL (Primary)
📊 Analytics
BigQuery + Grafana
📡 Event Bus
Kafka / Pub-Sub
📐 Infrastructure Specs
| Cloud Provider | GCP (primary) + AWS (vault) |
| Regions | us-central1, eu-west1, ap-southeast1 |
| Auto-scaling | 0 → 1000 containers in 30 seconds |
| Uptime SLA | 99.97% |
| RPO / RTO | 0 / < 5 minutes |
| Deployment | Blue/green, zero-downtime |
📡 Webhook Events
| Event | Description |
|---|---|
payment.authorized | Transaction approved |
payment.captured | Funds captured |
payment.declined | Transaction declined |
dispute.opened | Chargeback initiated |
subscription.renewed | Recurring charge success |
payout.completed | Funds disbursed |
🔐 Security Posture
- ✓ mTLS between all services
- ✓ Secrets in GCP Secret Manager
- ✓ WAF with OWASP ruleset
- ✓ DDoS protection (Cloudflare)
- ✓ Immutable audit logging
- ✓ SOC 2 + ISO 27001 controls
- ✓ Annual pen testing (NCC Group)
Interactive API Playground
Developer-First — Ship in Minutes, Not Months
RESTful APIs, SDKs for every language, webhooks for every event. Full sandbox environment with test cards.
💳 Create a Charge
cURL
Node.js
Python
Response
curl -X POST https://api.peptidepay.com/v1/charges \
-H "Authorization: Bearer sk_live_pep_7f3a9d2e..." \
-H "Content-Type: application/json" \
-d '{
"amount": 8900,
"currency": "usd",
"payment_method": "tok_pep_visa4532",
"description": "BPC-157 30-day supply",
"metadata": {
"product_id": "pep_bpc157_30d",
"customer_email": "buyer@example.com",
"sku": "BPC-157-5MG-30CT"
},
"mor": {
"enabled": true,
"tax_inclusive": false,
"compliance_check": true
},
"fraud": {
"device_fingerprint": "fp_abc123...",
"ip_address": "203.0.113.42"
},
"gateway_preference": ["nmi", "durango", "worldpay"],
"three_ds": "adaptive"
}'
import PeptidePay from '@peptidepay/node';
const pp = new PeptidePay('sk_live_pep_7f3a9d2e...');
const charge = await pp.charges.create({
amount: 8900, // $89.00 in cents
currency: 'usd',
payment_method: 'tok_pep_visa4532',
description: 'BPC-157 30-day supply',
metadata: {
product_id: 'pep_bpc157_30d',
customer_email: 'buyer@example.com',
sku: 'BPC-157-5MG-30CT',
},
mor: {
enabled: true,
tax_inclusive: false,
compliance_check: true,
},
three_ds: 'adaptive',
});
console.log(charge.id); // ch_pep_8f4b2c...
console.log(charge.status); // "authorized"
console.log(charge.gateway); // "nmi"
import peptidepay
pp = peptidepay.Client("sk_live_pep_7f3a9d2e...")
charge = pp.charges.create(
amount=8900, # $89.00 in cents
currency="usd",
payment_method="tok_pep_visa4532",
description="BPC-157 30-day supply",
metadata={
"product_id": "pep_bpc157_30d",
"customer_email": "buyer@example.com",
"sku": "BPC-157-5MG-30CT",
},
mor={
"enabled": True,
"tax_inclusive": False,
"compliance_check": True,
},
three_ds="adaptive",
)
print(charge.id) # ch_pep_8f4b2c...
print(charge.status) # "authorized"
print(charge.gateway) # "nmi"
// Click "Run" to see the response
🔄 Create a Subscription
cURL
Node.js
Response
curl -X POST https://api.peptidepay.com/v1/subscriptions \
-H "Authorization: Bearer sk_live_pep_7f3a9d2e..." \
-d '{
"customer": "cus_pep_buyer123",
"plan": {
"amount": 8900,
"currency": "usd",
"interval": "month",
"product_name": "BPC-157 Monthly Supply"
},
"payment_method": "tok_pep_visa4532",
"dunning": {
"enabled": true,
"strategy": "ml_optimized",
"max_retries": 4,
"retry_windows": ["4h", "48h", "120h", "240h"],
"win_back_offer": {
"enabled": true,
"discount_percent": 15
}
},
"notifications": {
"pre_renewal_days": 5,
"channels": ["email", "sms"]
}
}'
const subscription = await pp.subscriptions.create({
customer: 'cus_pep_buyer123',
plan: {
amount: 8900,
currency: 'usd',
interval: 'month',
product_name: 'BPC-157 Monthly Supply',
},
payment_method: 'tok_pep_visa4532',
dunning: {
enabled: true,
strategy: 'ml_optimized',
max_retries: 4,
win_back_offer: {
enabled: true,
discount_percent: 15,
},
},
});
console.log(subscription.id); // sub_pep_9a7c3e...
console.log(subscription.status); // "active"
console.log(subscription.next_bill); // "2026-03-24"
// Click "Run" to see the response
🧪 Sandbox Test Cards
| Card Number | Brand | Result | Use Case |
|---|---|---|---|
4242 4242 4242 4242 | Visa | Success | Standard charge |
4000 0000 0000 0002 | Visa | Decline | Trigger cascade failover |
4000 0000 0000 3220 | Visa | 3DS Required | SCA challenge flow |
5555 5555 5555 4444 | Mastercard | Success | Standard charge |
3782 822463 10005 | Amex | Success | Amex routing test |
4000 0000 0000 9995 | Visa | Insufficient Funds | Dunning retry test |
4000 0000 0000 0069 | Visa | Expired Card | Card updater test |