Specialist acquirers that approve research peptide suppliers price for the risk. Knowing the likely fees, reserve and settlement terms upfront saves you from surprises at contract stage.
Specialist acquirers that approve research peptide suppliers charge well above mainstream platform rates. For newer merchants, fees in the high single digits to low double digits as a percentage of transaction value are common, often with a rolling reserve held back from each settlement for a period. Terms improve with processing history, low chargebacks, a compliant website and steady volume. We give you realistic expectations for your profile before you apply.
Acquirers price research-use-only categories for chargeback and card scheme risk, so headline rates are higher than on mainstream platforms.
A share of each settlement is commonly held for a set period and released on a rolling basis, which affects stock purchasing.
Settlement cycles can be longer than you are used to, and some routes settle in stablecoins rather than GBP.
We match your profile to acquirers with current appetite and set expectations on pricing, reserves and settlement before you commit time to an application.
Realistic pricing expectationsAn indication of the fee range for your volume and history before you apply.
Reserve terms explainedHow the reserve works, how long funds are held and what typically leads to a lower one.
Settlement currency and timingGBP, EUR or other settlement options, and how quickly funds reach your business account.
Improving terms over timeHow to use clean processing history to renegotiate once you have a track record.
Providers move fastest when the file is complete on day one. Have these ready before you apply.
Company documentsCertificate of incorporation, registered address and a short description of what you sell and to whom.
Ownership and IDPassport or ID and proof of address for every owner with 25% or more, and for directors.
Processing historyYour last 3 to 6 months of processing statements, if you have them, including chargeback and refund levels.
Bank statementsRecent business bank statements showing how money moves in and out of the business.
A compliant websiteFull company details, terms, refund and shipping policies, and accurate product descriptions.
Volumes and flowsExpected monthly volume, average transaction size, main customer countries and settlement currency.
Full list by sector: high-risk merchant documents checklist →
A newly launched research peptide site has no processing history and is unsure what terms to expect.
A merchant with a year of clean history is still on new-merchant pricing and a high reserve.
A seller wants GBP settlement but has only been offered crypto routes.
It depends on volume, history and the acquirer. Newer merchants should expect fees well above mainstream platforms, often in the high single digits to low double digits as a percentage of transaction value. Established merchants with clean history usually secure better terms.
A percentage of each settlement that the acquirer holds for a fixed period and then releases on a rolling basis. It protects the acquirer against chargebacks and refunds. Reserves are common for new high-risk merchants and often reduce with good history.
Some routes charge set-up or application fees and some do not. We set out the full picture before you apply.
Processing history, low chargeback and refund ratios, a compliant website with clear research-use-only terms, and steady monthly volume all support better pricing.
Settlement timing varies by acquirer and reserve terms. Ask for the settlement cycle, currency and reserve release schedule in writing before you sign.
Give us the detail upfront (volume, set-up, what has been declined) and we can check provider appetite before we speak. We will assess whether there is a suitable provider match and come back to you directly. No obligation, no hard sell.
Have a client in this sector?If you're an EMI, MSB, payment consultant, or adviser with clients in this space you can't service directly, we have a structured introducer arrangement.