Peptide Processor Rates by Volume Tier
Full fee schedule for RUO peptide payment processing. Graduated pricing, rates drop automatically as monthly volume grows.
Full rate schedule
| Monthly volume | Rate | Effective blend* |
|---|---|---|
| $30K – $80K | 9.5% | ~9.8% with Shopify 3P fee |
| $80K – $150K | 8.5% | ~8.7% with Shopify 3P fee |
| $150K – $250K | 7.5% | ~7.6% with Shopify 3P fee |
| $250K – $500K | 7% | 7%–7.15% |
| $500K – $1M | 6.5% | 6.65% with Shopify 3P fee |
| $1M+ | Negotiable | 6% and below, deal-dependent |
*"Effective blend" shows the all-in rate including Shopify's third-party gateway fee (0.15%–2% depending on plan) for Shopify merchants. WooCommerce and direct API merchants pay only the headline rate.
What's included in the rate
No extra charges
- No setup fee, zero to start
- No monthly fee, zero regardless of volume
- No statement fee, monthly statement in your dashboard, free
- No minimum volume, if you process $0 in a month, you pay $0
- No termination fee, leave any time on 30 days' notice
- No PCI compliance fee, handled by our platform
Pass-through at cost
- Interchange, the fee Visa/MC/Discover/Amex charge to move the card transaction. Bundled into the headline rate.
- Card brand assessments, ~0.14% paid to the card networks. Bundled.
- Chargeback fees, $25 per chargeback filed against you, billed after the fact. Industry standard.
Graduated pricing: how volume triggers rate drops
Your rate automatically moves to the next tier's rate once you cross the volume threshold for three consecutive months. No renegotiation needed. For example, a merchant starting at the $30K–$80K (9.5%) tier who hits $85K, $95K, $102K in three consecutive months is moved to the 8.5% tier for the following month.
This matters for scaling brands: the difference between 9.5% and 6.5% on $500K/mo is $15,000/mo. Graduated pricing means you capture that savings automatically.
Comparison: U.S. bank vs. offshore/high-risk specialists
| U.S. Bank (Holistic) | Offshore / High-Risk Specialist | |
|---|---|---|
| Headline rate | 6.5%–9.5% | 3%–5% (quoted) |
| Settlement | Daily, 48 hr | Weekly, T+7 to T+14 |
| Reserve | 10%/90d or 15%/60d, released to 0% | 20%+ rolling, often not released |
| Currency | USD | USD or multi-currency with FX spread |
| Approval | 1–2 weeks | 2–6 weeks |
| MATCH exposure | Low, U.S. bank acquirer | Higher, some use secondary MIDs |
| Authorization rate | ~90% | 70–85% |
Offshore rates look lower on paper but the effective cost, after accounting for reserve holds, longer settlements, FX spreads, and lower authorization, often exceeds the U.S. bank rate. A 4% offshore rate with a 20% rolling reserve and 14-day settlement loses more on float and auth decline than a 7.5% U.S. bank rate breaks even.
FAQ
Can I get a promotional rate for the first few months?
No promos, no teaser rates. The schedule is straightforward, you get the rate for your tier from day one.
What if I process both peptides and non-peptide merch (apparel, swag)?
Peptide-volume tier determines the rate across both. If your total volume is $100K/mo ($60K peptides + $40K merch), you land in the $80K–$150K tier at 8.5% for all transactions.
Do rates include American Express?
Yes. The headline rate applies to Visa, MasterCard, Discover, and American Express. Amex transactions sometimes carry a slightly higher interchange but it's absorbed into the blended rate you see.
What's the per-transaction authorization fee?
$0.25 per authorization, on top of the percentage rate. For a $100 transaction at 8.5%, total cost = $8.50 + $0.25 = $8.75. For a $1,000 transaction at the same rate, total = $85 + $0.25 = $85.25.
Ready for U.S. bank peptide processing?
Complete the intake form. Approval typically in 1–2 weeks.