Peptide-Pay is built by operators who ran high-risk ecommerce for three years. Stripe banned us 4 times. Square 2 times. Mollie 1 time. Every ban meant a week of lost revenue, rebuilding checkout, emailing customers to apologize. We built the tool we wished existed.
We sold peptides online from 2023. We built a Next.js store, hooked up Stripe, made sales. Two weeks in, Stripe's risk team reviewed us and closed the account. Classic "regulated products" reason — no appeal, no recourse, funds held for 90 days.
We moved to Square. Same story at 3 weeks in. Then Mollie — 6 weeks that time. Every switch meant rewriting checkout, reconciling half-refunded orders, losing customers mid-flow because their saved cards didn't work anymore.
Eventually we found PayGate and Moonpay. Crypto on-ramp + wallet splitter. It worked, but the integration was janky: half-documented APIs, webhooks that sometimes fired twice, a dashboard that hadn't been updated since 2022. Customers weren't used to a crypto flow either — high drop-off.
So we wrapped all of it. A Stripe-shaped API on top of PayGate + Moonpay, with a checkout flow that looks like Stripe Checkout to the customer (card form, Apple Pay button, done). Webhooks that actually work. A dashboard we actually want to use. Under the hood: same self-custodial settlement that makes PayGate trustworthy.
That wrapper turned into a product other high-risk operators asked to use. That's Peptide-Pay.
Make high-risk payments as easy as Stripe. Not "as easy as Stripe but with 3 weeks of paperwork." Not "as easy as Stripe if you find the right reseller." Just plug in a wallet, paste a snippet, get paid.
The high-risk processing industry has ripped off operators for 20 years with 12–15% fees, opaque reserves, and 2005-era UX. We think charging 8% all-in with a 30-second setup is enough margin to run a good business — and we publish that rate publicly so nobody has to haggle.
We never hold merchant money. Ever. Not even for 30 seconds of "intermediate settlement." Smart-contract split, single transaction, done.
One rate, published on the pricing page. No volume haggling. No FX markup we hide. No setup fee that magically appears on page 8 of the contract.
Your wallet address is your account. We don't ask for a business license, a utility bill, or three years of tax returns. If you're lawful where you operate, you're welcome.
No sales call before you can take a payment. No chat widget guilt-tripping you into upgrading. Documentation first; support via Telegram when needed.
Small. Remote. Focused. We are a handful of operators and engineers spread across Europe and South America. No VC money, no growth team, no sales reps. We build, we support merchants on Telegram, we ship. That's the whole job.
We run our own peptide stores on top of Peptide-Pay. When something breaks, it breaks for us too. That keeps the product honest.
If Stripe just closed you, you're in the right place.