Transparent Peptide Processing Rates That Reward Growth.
Pricing for qualifying Canadian research-use-only peptide merchants starts at 16.49% and drops as monthly processing volume grows — down to 10.00% for eligible $250K+ merchants. Every advertised tier is built around NO RESERVES, next-day settlement programs, CAD + USD funding options, and ecommerce-ready processing.
Choose the tier that matches your monthly volume.
These are PeptidePay.ca’s advertised Canadian RUO processing tiers. Merchants are reviewed individually, and final pricing and account terms remain subject to underwriting and program eligibility.
- Launch-ready startups considered
- No prior card-processing history required
- Next-day settlement program
- CAD + USD funding options
- Dedicated onboarding
- Lower rate as volume grows
- Established merchants welcome
- Next-day settlement program
- CAD + USD funding options
- Dedicated merchant support
- High-volume pricing
- Processing history reviewed
- Next-day settlement program
- Priority merchant support
- WooCommerce + API ready
- Best advertised volume rate
- Designed for established merchants
- Next-day settlement program
- Premium merchant support
- Custom volume review
Advertised rates, no-reserve treatment, approval, payment methods, settlement timing, currency funding and all account terms are subject to underwriting, merchant eligibility, program requirements and final approval.
More than a rate. A processing setup built for peptides.
No Reserves
The advertised program is structured around no reserves for qualifying approved RUO peptide merchants.
Next-Day Settlement
A faster settlement program designed to keep capital moving back into the business, subject to account and banking cutoffs.
CAD + USD Funding
Funding options for eligible Canadian merchants who need Canadian-dollar or U.S.-dollar settlement.
Five Payment Methods
Visa, Mastercard, American Express, Apple Pay and Google Pay for qualifying approved accounts.
WooCommerce Ready
Connect processing to an existing WooCommerce environment while keeping the merchant’s ecommerce experience intact.
API Ready
An API-ready processing pathway for merchants using custom checkout or proprietary ecommerce environments.
Volume matters — but underwriting sees the whole business.
Monthly volume is the starting point for the advertised pricing ladder. Underwriting also reviews the merchant’s actual operating profile before final approval.
A growing merchant moves into a better tier.
A launch-ready merchant may begin in the startup tier. As qualifying volume becomes established, the merchant can be reviewed for the next advertised tier. Crossing a threshold does not replace underwriting or the approved account terms; the purpose of the ladder is to show the pricing path available as the business grows.
Illustration only. Final pricing and eligibility are determined through underwriting.
Is your store launch-ready?
Pricing gets attention, but a clean merchant file is what helps underwriting understand the business. Before you submit, make sure the operation looks real, complete and ready to fulfill orders.
Inventory in stock
Products shown as available should be ready to ship. If you use a warehouse, manufacturer or third-party fulfillment partner, be prepared to show how orders will actually be fulfilled.
Live website + checkout
Your store should be live, easy to navigate and substantially complete — with real product pages, working checkout, contact information and no major “coming soon” gaps.
Clear RUO positioning
Research-use-only positioning should be obvious and consistent. PeptidePay.ca is built for RUO peptide merchants — not SARMs and not products marketed for human consumption.
Product documentation
Keep product information organized. COAs, testing documentation or other supporting product records should be available where applicable to the products you sell.
Shipping + tracking plan
Know how orders leave the building, how quickly they ship, and how customers receive tracking. Fulfillment clarity helps reduce confusion, refunds and disputes later.
Policies easy to find
Shipping, refund, privacy and terms pages should be visible and written for the business that is actually processing — not copied placeholders that conflict with your operation.
Business + banking match
Legal business information, ownership details and banking should be consistent. Have your Canadian business banking ready, including any USD account requested for eligible USD funding.
Real customer support
Customers should have a clear way to contact you about an order, shipment, refund or billing question. Responsive support is one of the simplest ways to prevent avoidable disputes.
Small details can make a big underwriting difference.
Underwriting is not only looking at a rate tier. It is trying to understand whether the merchant is transparent, operational and likely to deliver the customer experience shown on the website.
A merchant file that makes sense.
- Products displayed online can actually be fulfilled
- Legal business name, owner and banking information match
- RUO language is clear and consistent across the store
- Shipping, refund, privacy and terms policies are complete
- Customer support information is easy to find
- Established merchants can provide recent processing history
- Chargebacks or previous processor issues are explained clearly
Questions underwriting may need answered.
- Large product catalogue with unclear stock or fulfillment
- Website still looks unfinished or checkout is not functional
- Human-use, dosing or performance claims conflict with RUO positioning
- SARMs or unsupported product categories appear on the site
- Missing refund, shipping or contact information
- Business, owner and bank records do not line up
- High disputes, refund issues or processor history with no context
The strongest application is easy to understand: who owns it, what it sells, how the products are fulfilled, how customers are supported, where the money settles and how the website represents the business.
Your first 30 days can set the tone for the whole processing relationship.
Approval is not the finish line. Clean fulfillment and customer service help protect the merchant account, reduce avoidable disputes and create better processing history for future volume reviews.
Ship what you sold
Keep inventory and product availability accurate so customers are not buying items that cannot be fulfilled on time.
Send tracking quickly
Tracking gives the customer confidence and gives the merchant useful evidence when delivery questions arise.
Answer support requests
A fast response to “where is my order?” can prevent a support issue from becoming a cardholder dispute.
Keep billing recognizable
Use the approved billing descriptor and make sure customers can connect the charge on their statement to the order they placed.
Keep your website current
Do not let policies, product claims or fulfillment information drift away from the business underwriting originally reviewed.
Watch disputes early
Identify patterns quickly. A sudden increase in refunds, delivery complaints or chargebacks should be treated as an operating problem to fix.
The rate is one part of the story. Cash flow matters too.
PeptidePay.ca is designed for Canadian RUO merchants that care about when funds arrive, what currency they settle in, and how much working capital remains available.
🇨🇦 CAD Funding
For merchants operating primarily in Canadian dollars, CAD settlement can keep payment processing and Canadian banking aligned.
- Canadian-dollar funding option where approved
- Useful for Canadian operating expenses and suppliers
- Banking configuration confirmed during onboarding
🇺🇸 USD Funding
Eligible Canadian merchants may also use U.S.-dollar settlement where supported by their approved account and banking configuration.
- USD funding option where approved
- Useful for merchants with U.S.-dollar banking needs
- Currency and banking setup confirmed before go-live
No routine reserve
The advertised program is built around no reserve for qualifying approved accounts. That means the program is not marketed around routinely holding back a percentage of each transaction as a rolling reserve.
Next-day settlement program
Qualifying approved accounts can be set up for next-day settlement, subject to processing cutoffs, bank timing and the final merchant configuration.
Transparent account terms
Your approval and onboarding documents confirm the account-specific rate, enabled payment methods, settlement currency and any other applicable terms before processing begins.
Better documentation can make underwriting faster and cleaner.
A startup does not have the same file as a merchant already processing six figures a month. We review each business based on where it is today.
Launching without processing history
Startups can be considered without prior card-processing statements, but the business should look operational and ready to fulfill orders.
- Business registration / corporate information
- Owner identification and KYC information
- Canadian business banking details
- Complete live website and all product pages
- Shipping, refund, privacy and terms policies
- RUO positioning and no SARMs
- Inventory and fulfillment readiness
Already processing volume
Established merchants should provide current history so underwriting can see actual performance and determine the strongest available pricing path.
- Recent processing statements
- Monthly sales volume and average ticket
- Chargeback / dispute performance
- Current processor and settlement history
- Business, ownership and banking documents
- Website / product review
- Requested CAD or USD funding setup
No reserve does not mean no responsibility.
This distinction matters. A reserve is different from ordinary transaction adjustments, refunds or chargebacks. Merchants should understand the difference before processing.
Reserve
A reserve is money routinely withheld from merchant settlement under the account terms. The advertised PeptidePay.ca program is structured around no reserves for qualifying approved merchants.
Refunds
A customer refund reverses all or part of a purchase. Refund activity can reduce the amount ultimately available for settlement and should be managed through clear store policies and support.
Chargebacks
A chargeback is a cardholder dispute. No-reserve processing does not eliminate chargebacks or the merchant’s responsibility to manage disputes and maintain a healthy account.
Clear billing descriptors, responsive customer service, prompt fulfillment, accurate product descriptions and disciplined chargeback management all support a stronger long-term processing relationship.
You do not have to stay stuck with yesterday’s pricing.
If you already process elsewhere, or your PeptidePay.ca volume has grown materially, keep your statements. They are the clearest evidence of what the business is actually doing.
Existing merchant?
Provide recent processing statements and your current operating information. We can review volume, chargebacks, average ticket, settlement and website readiness against the published tier structure.
High-volume merchants are not treated like startups. Bring the history so underwriting can evaluate the business on actual performance.
What changes as your volume grows?
Questions about PeptidePay.ca pricing.
What rate does a new peptide business start at?
The advertised startup tier is 16.49% for qualifying launch-ready merchants processing up to $50,000 per month. Final pricing is subject to underwriting and approval.
When does my rate go down?
The advertised rate ladder moves from 16.49% to 15.00% at $50K+ monthly volume, to 12.50% at $150K+, and to 10.00% at $250K+, subject to merchant eligibility and underwriting.
Are there reserves?
The advertised PeptidePay.ca program is structured around no reserves for qualifying approved research-use-only peptide merchants. Final account terms remain subject to underwriting.
Can a startup qualify without processing statements?
Yes. Launch-ready startups may be reviewed without previous card-processing history. The website, inventory, banking, business documents and RUO positioning should be ready for review.
Do the rates include Visa, Mastercard, Amex, Apple Pay and Google Pay?
The program is designed to support those payment methods for qualifying approved accounts. Exact payment-method availability is confirmed during onboarding.
Can I receive settlement in CAD or USD?
CAD and USD funding options are available where supported by the approved merchant and banking configuration.
Is the advertised percentage the only number I should review?
The advertised percentage is the headline processing rate for the published volume tier. The merchant should also review the final approval documents for settlement timing, enabled payment methods, banking/currency configuration and any other account-specific terms before going live.
Does crossing $50K, $150K or $250K automatically change my rate?
The published thresholds show the advertised pricing path. A merchant can be reviewed for the next tier as qualifying volume is established, but final repricing remains subject to the approved account and underwriting review rather than being an automatic contractual change solely because one month crosses a threshold.
What happens if my monthly volume changes?
Processing volume can fluctuate. The appropriate pricing tier is reviewed in the context of the merchant’s sustained operating profile, processing history and underwriting eligibility. Contact the PeptidePay.ca team when your business has materially grown.
Does no reserve mean chargebacks cannot affect my settlement?
No. A reserve and a chargeback are different. No-reserve processing refers to the routine reserve structure of the qualifying account. Refunds, chargebacks, reversals and other legitimate transaction adjustments can still affect settlement.
Can I switch from another peptide payment processor?
Yes. Existing merchants can submit recent processing statements, business information and the current website for review. Processing history can be especially useful when evaluating high-volume pricing.
Do you price Canadian and U.S.-dollar funding differently?
Funding currency availability and any account-specific banking or currency terms are confirmed during underwriting and onboarding. The published percentage tiers on this page are the advertised processing-rate ladder, not a guarantee that every banking configuration has identical ancillary costs.
Are there hidden fees?
PeptidePay.ca is designed around transparent pricing. Any applicable account-specific fees or terms should be disclosed in the approval and onboarding documents before the merchant begins processing. Merchants should review those documents rather than relying only on the headline percentage.
Do my peptide products need to be in stock before I apply?
The business should be operationally ready to fulfill the products it offers. In-stock inventory is ideal; if you use a warehouse, manufacturer or third-party fulfillment arrangement, be prepared to explain and document how orders will be fulfilled.
Can I apply while my website is still under construction?
You can prepare your application, but underwriting is easier when the website is live and substantially complete. Product pages, checkout, contact information, shipping, refund, privacy and terms pages should be ready for review.
Can I sell SARMs through the PeptidePay.ca program?
No. PeptidePay.ca is positioned for research-use-only peptide merchants. SARMs are outside the program described on this site.
What website details help make an application cleaner?
Clear RUO positioning, accurate product availability, complete policies, visible customer support, realistic shipping information and consistency between the website, business registration, ownership and banking information all help underwriting understand the merchant.
Start with your business. We’ll review the right pricing path.
New merchant or processing serious volume already? Submit one secure application and let underwriting review the merchant profile, processing history and appropriate rate tier.
START PROCESSING TODAY →