Acceptable Use Policy

Last updated: 2026-04-28

Preamble

Peptide-Pay exists because traditional processors carpet-ban legitimate businesses they don't understand. "High-risk" does not mean "no rules" — it means carefully selected verticals where we've done the regulatory homework. If Stripe or Adyen would take your business without friction, we are probably not a good fit and their fees are lower. If they won't, read on.

1. Allowed verticals

We actively welcome the following categories, subject to local legality and the merchant's own licensing:

  • Peptides & research chemicals — sold as research use only.
  • CBD & hemp (EU) — THC below national thresholds, novel-food rules respected.
  • Kratom — where nationally legal; not shipped into banned states or countries.
  • Nootropics & unscheduled supplements — properly labelled, no therapeutic claims.
  • Sports supplements — including pro-hormones where legally sold.

2. Refused verticals

Hard no. Do not try to onboard these. Accounts caught selling any of these are closed and fees forfeit:

  • Sanctioned jurisdictions and persons — OFAC SDN, EU consolidated list, UK HMT, UN sanctions.
  • Ponzi, pyramid, MLM with pay-to-play recruitment.
  • Unregistered securities, ICOs, yield programs promising returns.
  • Unlicensed gambling, sports betting, or lotteries — licensed operators accepted case by case.
  • CBD/hemp shipping into the United States — federal/state patchwork, too risky.
  • Counterfeit goods, IP-infringing dropshipping, hijacked brand products.
  • Prescription pharmaceuticals without a valid pharmacy license.

3. Gray zone — ask first

These verticals are not auto-banned but need a quick conversation before we turn on live mode. Message us on Telegram with your business, jurisdiction, and any licenses:

  • Licensed online pharmacies and telehealth platforms
  • Licensed casinos, sportsbooks, and poker rooms
  • Crypto exchanges and OTC desks
  • Novel-food supplements approaching a regulatory boundary

4. Violation consequences

Our escalation path, in order:

  • Warning — we email you explaining the issue; you have 72 hours to cure.
  • Suspension — checkout disabled, existing in-flight transactions complete, dashboard read-only while we investigate.
  • Termination — account closed, API keys revoked, relationship ended.
  • Fee forfeit — any pending fees owed to us are retained.

5. Merchant responsibilities

We don't KYC you. That means the regulatory weight for your vertical sits on you:

  • Hold any licenses your activity requires (pharmacy, gaming, CBD, etc.).
  • KYC your own customers where the law demands it — we are not your AML program.
  • Collect and remit VAT/sales tax yourself; our invoice only covers fees.
  • Maintain truthful product descriptions, refund and shipping policies, and age-gating where relevant.

6. Appeals

If your account is suspended or terminated and you believe we got it wrong, message us on Telegram with your merchant ID, the date of the action, and what you believe was misclassified. A human (not a bot) reviews every case and replies within a few days.

7. Contact

All questions — compliance, abuse, appeals — go through Telegram: @vidaspi.