Bank-underwritten · Fully disclosed

The last payment processor you'll ever need.

Bank-underwritten merchant accounts for research peptides. Proper network-level coding. Direct acquiring-bank relationships — not stacked behind payment aggregators or offshore shell processors. No mid-cycle account terminations.

Get approved Talk to us
0
Account freezes
98.2%
Approval rate
$300M
Processed
Live processing · MID 4179 … 8810 Live
$84,920.40
Processed today
↑ 8.1%
VISA
···· 4291
2:14 PM
$189.00
Captured
MC
···· 7720
2:11 PM · network-coded
$74.50
Settled
13
Acquiring-bank partners
Fast
Underwriting review
98.2%
Application approval rate
$300M
Merchant volume processed
Industry-specific

Underwritten for peptides from day one.

Most processors for research peptides misrepresent your business to the acquiring bank — incorrect coding, nested aggregation layers, or outright undisclosed high-risk placement. When the bank's quarterly audit catches it, your merchant account is terminated with cause. We spent 18 months building legitimate bank programs where every merchant is fully disclosed, properly coded, and underwritten by an acquiring bank that understands the vertical.

1

Network-correct coding

Every transaction is coded correctly at the network level. No miscoding. No reclassification surprises.

2

Direct acquiring-bank MIDs

Your merchant ID is issued directly by the acquiring bank — not behind three layers of aggregators.

3

Built for scale

From your first $50k month to $5M a month. Same approval. Same processing relationship. It grows as you grow.

The ResearchPay difference
13
Bank partners worldwide
Fast
Avg underwriting
100%
Bank-compliant
18mo
Bank education
How it works

From application to processing with a clear review process.

No stacks of paperwork. No hiding what you sell. Four steps to a bank-backed merchant account built for research peptides.

1

Apply in 10 minutes

Fill out our application. Upload your business docs and supporting materials.

2

Underwriting review

Your application goes to an acquiring bank that already underwrites research peptides.

3

Integration setup

Connect WooCommerce or your custom checkout. We handle the technical configuration.

4

Go live

Start processing once approved.

Apply now
Programs

Two programs. One acquiring-bank standard.

Whether you're getting your first MID or routing volume across entities, you're underwritten the same way — properly, by an acquiring bank.

Startup

For research vendors getting underwritten and live.

Everything you need to launch
Transparent, disclosed underwriting
Get approved
  • One acquiring-bank MID
  • Network-correct coding
  • Real-time processing dashboard
  • Chargeback alerts
  • Email & chat support

B2B / Enterprise

Wholesale & volume

For established, high-volume and wholesale operations.

Built for high-volume operations
Dedicated underwriting & support
Apply now
  • Multiple MIDs & smart routing
  • Dedicated underwriter
  • Multi-entity structures
  • B2B / enterprise only
  • Representment support for verifiable B2B merchants
  • Priority support
Global coverage

13 acquiring-bank partners worldwide.

Your application is routed to the bank that best fits your region and volume.

Global coverage map
8
United States
3
Europe
2
Latin America
13
Total partners

Ready to stop worrying about your processor?

Apply in 10 minutes. Built on direct acquiring-bank relationships and full transparency.