Self-custody by design

We can't freeze you. Because we never hold your money.

If you ran a high-risk store long enough, you know the drill: a processor holds a rolling reserve, then one dispute triggers a "risk review," then six months later they release funds minus 20% for "exposure." We fixed that by never touching your balance in the first place.

The flow of funds.

Every payment is a single on-chain transaction with a smart-contract split. Here is exactly what happens when a customer pays €100 by card on your site.

1
Customer pays €100 on Moonpay

Moonpay KYCs the buyer, runs their card, absorbs fraud risk, and converts the EUR into USDC on Polygon. Peptide-Pay never sees the card. Peptide-Pay never touches a fiat bank account.

2
PayGate splitter contract fires

Moonpay sends ~95.5 USDC to a PayGate smart contract. That contract is immutable, open-source, and on-chain verifiable. It splits the payment in one atomic transaction.

3
Splits fire automatically

PayGate takes its 1.5 USDC fee. Peptide-Pay takes its 2 USDC fee. Your wallet receives the remaining 92 USDC. All three transfers happen in a single block — no intermediate custody, no "pending settlement."

✓
You control the money from the moment it lands

USDC hits your Polygon address. Only your private key can move it. Peptide-Pay has no admin key, no clawback, no "emergency pause" on your funds. We couldn't freeze you even if we wanted to.

Chargebacks? Not your problem.

On traditional rails, a chargeback means your processor pulls money out of your reserve (or directly from your bank account) to refund the customer, plus a $15–25 fee, plus a ding against your merchant rating. Enough of them and your account gets closed.

Here, the card transaction is between the customer and Moonpay — you are not the merchant of record for the card charge. If the customer disputes their card payment, Moonpay handles it. They have their own risk model, their own KYC on the buyer, and their own chargeback reserves.

By the time USDC lands in your wallet, the transaction is final. USDC on Polygon is irreversible. Nobody — not Moonpay, not PayGate, not Peptide-Pay, not a court in Delaware — can claw it back from your wallet.

Chargeback rate on the merchant wallet side: 0%.

Not low. Not minimal. Mathematically zero. USDC cannot be reversed by any card network authority.

What we can and cannot do to your account.

What we CAN do
  • ·Stop issuing new checkout sessions for your wallet (i.e. stop serving you).
  • ·Remove your widget snippet from our CDN (it becomes a 404).
  • ·Report your wallet to OFAC or law enforcement if you violate sanctions law.
  • ·Cancel pending sessions that haven't been paid yet.
What we CANNOT do
  • ✓Reverse a USDC transaction already settled to your wallet.
  • ✓Freeze or seize funds in your Polygon address.
  • ✓Hold a rolling reserve on your behalf (we literally never receive your share).
  • ✓Charge you a fee for an unsettled transaction (we only earn from the split).

Note: USDC itself can be frozen by its issuer (Circle) if a wallet is sanctioned. That's an issuer-level control we cannot override, and it applies to every holder of USDC worldwide. Don't end up on the SDN list.

Own every dollar you earn.

No reserve. No freeze. No middleman touching your money.

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