BPC-157 and TB-500 Merchant Accounts: Complete Payment Processing Guide

BPC-157 and TB-500 have become two of the most popular peptides in the regenerative medicine and wellness space. If you're selling these healing peptides—whether through a clinic, research supply company, or e-commerce store—securing payment processing is essential for business growth. This guide covers everything you need to know about BPC-157 and TB-500 merchant accounts.

Understanding the BPC-157 and TB-500 Market

BPC-157 (Body Protection Compound-157) and TB-500 (Thymosin Beta-4) are peptides known for their regenerative properties. The market for these peptides has grown significantly as more people seek alternatives for healing and recovery. However, this growth has outpaced payment processing infrastructure.

Who Sells BPC-157 and TB-500?

Research Peptide Suppliers: Companies selling peptides for research purposes
Peptide Therapy Clinics: Medical practices prescribing peptides for therapeutic use
Compounding Pharmacies: Pharmacies creating custom peptide formulations
Wellness E-commerce: Online stores selling peptide products
Anti-Aging Clinics: Regenerative medicine practices

Payment Processing Challenges for BPC-157 and TB-500

The "Research Chemical" Dilemma

Most BPC-157 and TB-500 is sold as "for research purposes only," which creates a regulatory gray area. Payment processors don't know how to categorize these products—are they supplements? Pharmaceuticals? Research chemicals? This ambiguity leads to declined applications.

High-Risk Classification

Even though BPC-157 and TB-500 aren't controlled substances, they're classified as high-risk by most payment processors due to:

FDA regulatory uncertainty
Association with performance enhancement
International manufacturing and shipping
Potential for chargebacks

How to Get a BPC-157/TB-500 Merchant Account

Step 1: Choose the Right Processor

Standard processors like Stripe, PayPal, and Square will decline peptide businesses. You need a specialized high-risk processor with experience in the peptide industry.

Step 2: Prepare Your Documentation

Business license and registration
3-6 months of processing history (if available)
Product certificates of analysis (COA)
Website with proper disclaimers
Refund and shipping policies

Step 3: Ensure Website Compliance

Your website needs:

Clear "for research purposes only" disclaimers (if applicable)
Age verification (21+)
Terms of service and privacy policy
Contact information and customer service details
SSL certificate and secure checkout

Step 4: Apply and Underwriting

With a specialized processor like HighRiskChamps, the approval process typically takes 24-48 hours. We understand peptides and have banking relationships specifically for this industry.

Processing Rates for Peptide Businesses

Expect higher processing rates than traditional retail due to the high-risk classification:

Processing Rate: 4.5% - 7.5%
Transaction Fee: $0.25 - $0.50 per transaction
Monthly Fee: $25 - $50
Rolling Reserve: 5-10% held for 6 months (common for new merchants)

Reducing Your Processing Costs Over Time

As you build processing history and maintain low chargebacks, you can negotiate better rates. Tips for lowering costs:

Keep chargebacks below 1%
Process consistently each month
Respond quickly to customer disputes
Maintain proper documentation
Review your account after 6 months of clean processing

Get Started Today

If you're selling BPC-157, TB-500, or other peptides, don't let payment processing hold you back. Apply for a peptide merchant account and start accepting credit cards within 48 hours.