Pharma Payment Processor

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joosh

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Hi all I started a peptide business and have been using my local version of zelle/cashapp to process payments with a "cloaked" setup.

I have my peptides site and then I made a site selling furniture who's payment page pops up when someone wants to make a purchase on my peptides site.

They have since banned my zelle/cashapp and I am looking for payment solutions and help scaling if anyone can please help me that would be great.

Processing 20k monthly
 
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If a processor already banned you, trying more “cloaked” tricks will just get more accounts shut down, that’s why banks/PSPs block you
 
You need to understand that high-risk merchants accounts are for businesses that operate in a domain where the risk of fraud/chargeback is high. No matter how you try to apply or where, the product you are selling is illegal which violate the law to begin with hence you will never get approved for any payment processor. You are looking for transaction laundering. You need a shell company and apply to a merchant acquirer for a real merchant account. Real merchant accounts gives you the ability to customize different filters as well as the ability to modify the payment gateway, which omits certain data during the processing such as the products descriptions. So the acquirer on the backend will look at a transaction and would show the description as socks for example even though you are actually selling your blackhat product.

I don't think I am allowed to point you into the direction of someone I know that handles these type of situations and I do not want to get in trouble but as stated previously, although the setup and process is complex, it is very doable.

Good luck
 
Pharma payments are always high-risk, so most people move away from Stripe or PayPal and work with processors that actually specialize in pharmacies like Corepay, Cardz3n, or CircoFlows since they’re built for compliance, chargeback control, and stricter underwriting. The real lesson is approval depends more on licensing, website compliance, and traffic source quality than the processor itself, because pharma gets heavy scrutiny from banks and card networks by default
 
What's your "cloaked" setup? Was it even cloaked if you still got banned? That doesn't make sense.

I specialize in research only peptides and payments will always be an ongoing issue. I do know other methods but it's riskier.
 
When accepting credit cards in this day and age no matter what you do, eventually the account goes under manual review and you will be required to produce some sort of documentation in order to restore the service. Failure to do so leads to lost funds and closed account so you need to be prepared. In terms of high-risk processors, although has certain benefits, in this scenario where it involves the sale of blackhat products through ecommerce, you will constantly move one step forward and two steps backwards.
 
PaymentCloud has specific underwriting for pharma related niches, which means specific assessment and approval process for pharma related niches.
 
Careful, PaymentCloud is a payment gateway not an acquirer. Underwriting is outsourced and the application process will require a lot of specific documentation such as official reseller contract authorization and other documentation proving you are an official registered pharmacy selling authentic merchandise. Either way, getting approved for pharma niche is complicated and processing is very fragile so expect funding to be put on hold for manual review often, especially in the beginning. You want to go down this route, make sure you are prepared and organized with invoices, shipping slips, client communications, etc.
 
Use cloaking or a high risk merchant that accept you4 business
 
trdraptor said:
What's your "cloaked" setup? Was it even cloaked if you still got banned? That doesn't make sense.

I specialize in research only peptides and payments will always be an ongoing issue. I do know other methods but it's riskier.
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exactly if a payment setup is cloaked properly, it never gets banned. I've seen it working well for extreme high risk businesses like replica IPTV Pharma CBD high ticket SMM, Look for a proper set up solution. You could submit applications at RiskGates or UniqPayments website
 
no amount of cloaking will protect you from disgruntled customers or competition reporting you to your processor. stable card processing for pharma/peptide niches is a fever dream.
 
I am having the same issue stripe blocked squareup and many others still working on getting approved by a stable merchant
 
use nominee's to set up EMI's + payment processors. use a payment orchestrator and a good cloaker
 
If interested, I wrote a thread the other day regarding this exact subject. Might be worth a read there are definitely long term stable options to process credit cards.
 
Have you considered using rental agencies? They do take a percentage from each transaction, but the advantage is you can avoid lengthy merchant onboarding processes. They also handle risk management well, which reduces the chances of getting shut down. Without them, there’s a higher risk of getting banned for selling peptides. Irongatepays is one of them.
 
JasonRivers said:
Have you considered using rental agencies? They do take a percentage from each transaction, but the advantage is you can avoid lengthy merchant onboarding processes. They also handle risk management well, which reduces the chances of getting shut down. Without them, there’s a higher risk of getting banned for selling peptides. Irongatepays is one of them.
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can you suggest any such rental agencies
 
If I were you, I would go with cloaked AB payments, with an aged and warmed stripe/paypal
 
best way for accept payments for startups of peptides industry is a rental services based on masked Stripe or Paypal, then when get a solid volume need to add 2-3 alternatives and make routing infra
 
Try to buy a verified Stripe account and cloaking
 
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