Research Peptides Payment Processing (WooCommerce, 2025): What Works for Startups Without Getting Frozen

 Merchants keep asking: “We sell research peptides on WooCommerce. Stripe/PayPal froze us. What actually works now?”

Here’s the clean, non-hype playbook for 2025.

---

TL;DR

• Cards (CC) for research-only startups: rarely stable.

• Startup-friendly path: E-Check → Verified ACH (Plaid) after ~90 days of clean history.

• Run a parallel rail: crypto / fiat-to-crypto to protect uptime.

• WooCommerce integration: use native plugins or hosted modals; a developer may help for smoother UX.

• Underwriting reality: most providers want ~1 year in business + 3–6 months of statements (or bank statements if you’re new).

---

Your Realistic Options

E-Check (Day 1) → Verified ACH (After ~90 Days)

• E-Check: customer enters routing/account details at checkout.

• Verified ACH (Plaid): customer logs in with their bank → higher conversion & faster funding.

• Pricing: peptide-risk merchants typically see ~9% + $0.25 per transaction + a monthly fee (varies).

• WooCommerce: works via hosted or embedded flows.

Add a Crypto / Fiat-to-Crypto Rail

• Resilient, low chargeback exposure.

• Present as a secondary option at checkout, not the only rail.

• Plugins like CoinPayments or hosted crypto gateways work well for Woo.

Cards (Credit/Debit)

• Not a day-one option for research-only startups.

• Possible later for telehealth models with strict compliance + strong processing history.

---

WooCommerce Integration Tips

• Keep the default WooCommerce checkout flow intact (cart → checkout).

• Hand off to E-Check / Verified ACH / Crypto via plugin or hosted modal.

• Show clear confirmations, tracking, and refund policy on order pages & emails.

• Consider hiring a developer for frictionless modals + webhook handling (order sync, refunds, partials).

---

What Underwriters Expect (Even for Startups)

• Business docs: LLC, EIN, KYC of owners.

• Statements: 3–6 months processing history (or bank statements if pre-revenue).

• Operations proof: fulfillment workflow, tracking, supplier info.

• Risk controls: refund/dispute policy, customer support SLAs, chargeback logs.

---

Compliance = Survival (Research-Only)

• Always state: “For research use only – not for human or animal consumption.”

• Use scientific names / CAS numbers where relevant.

• No dosage, cycles, outcomes, or drug comparisons.

• Keep blog/FAQ neutral — avoid implied use or “education” tied to consumption.

---

Final Word

If you want a fast checkout/ops audit (free), I can flag what underwriting will spot in 60 seconds and suggest Woo-friendly fixes before you apply.

— ProcessorMatch
(We connect high-risk merchants to the right rails: E-Check, Verified ACH, and crypto options—education first, no hype.)