High-risk merchant accounts for peptides, GLP-1 & supplements.
PeppaPay is a specialist ISO that places advanced wellness and nutraceutical brands with the right banks and processors—so you get higher approvals, fewer surprises, and long-term stability instead of last-minute shutdowns.
Trusted to place high-growth brands in
PeppaPay portfolio • Live merchants
Average approval lift
+11.3%
vs previous providers
Chargeback ratio
0.15%
with network guidance
Banking partners
15+
for diversified risk
Peptides
$3.6m
GLP-1
$520k
Supplements
$390k
Other
$240k
Bank diversification healthy across portfolio
Optimal
GLP-1 cohort approaching network thresholds
Advising
Industries
An ISO built around regulated & high-risk verticals.
Instead of forcing your business into a generic “high-risk” bucket, we place you with acquiring partners who actually understand advanced wellness, telehealth, and nutraceutical funnels.
Peptides
Compounding & research peptides
We work with acquirers comfortable with peptide models, memberships, and clinic-intake flows—so your accounts stay live as you scale.
- • Clinic, telehealth, and hybrid models
- • Multi-location setups
- • Experience with compounding pharmacies
GLP-1 & obesity care
Subscription care programs
We place GLP-1 and obesity programs with processors that understand clinical oversight, EMR workflows, and recurring care plans.
- • Intake + consult + dispense flows
- • High-ticket & subscription handling
- • Cross-border care where allowed
Supplements & labs
Nutraceuticals, testing & more
From DTC funnels to subscription wellness stacks, we help you avoid unstable aggregator setups and find real, bank-approved processing.
- • High AOV supplement funnels
- • Testing, labs & diagnostics
- • Multi-brand rollups & holdings
Solutions
One ISO, multiple banks—so you’re never stuck with a single decision.
PeppaPay sits between your business and a curated network of acquiring banks, processors, and gateways. We design a processing strategy that fits your risk profile, volumes, and growth plans—not just a one-size-fits-all MID.
- Bank & processor matching
- We review your model, statements, and funnels, then match you with acquiring partners that actually want your business—and understand your risk.
- Diversified setups
- Where appropriate, we design multi-MID and multi-bank strategies so no single processor holds your entire revenue hostage.
- Risk & chargeback guidance
- Get proactive reviews on descriptors, terms, funnels, and ratios—plus playbooks tuned to card brand thresholds for high-risk merchants.
- Support for agents & sub-ISOs
- Bring your book of merchants and leverage our bank relationships, underwriting experience, and back-office support while you own the relationship.
How placement works
-
1
Share your story
We dig into your offer, entity structure, banking history, and funnel screenshots—not just a two-page application.
-
2
Match & underwrite
We present your file to aligned banks and processors, manage questions, and negotiate terms, reserves, and rollout plans on your behalf.
-
3
Launch & optimize
Once live, we stay involved—monitoring performance, advocating with banks, and planning diversification as your volume grows.
What ISO clients typically see
Approval rates
+9–15%
Chargeback stability
Below network caps
Time to first live MID
2–10 days*
*Timeline depends on complexity, docs, and bank selection.
Pricing
Processor-backed rates, ISO-level guidance.
We’re transparent about both the processor’s pricing and our ISO compensation. You’ll see exactly how your effective rate is built, and how it changes as your performance improves.
Growth placement
For brands processing up to $5M/month.
Volume-based incentives
Dedicated ISO team
Competitive Rates
- • Transparent breakouts: bank, processor, ISO margin
- • Negotiable reserves with regular review
- • Access to multiple processors as you scale
- • Ongoing risk & chargeback strategy support
Already working with an ISO?
We’ll quietly benchmark your existing setup—rates, reserves, and stability—and show you what’s possible across our acquiring network without forcing you to burn bridges.
- • Statement & MID analysis within ~48 hours
- • Side-by-side comparison vs your current ISO
- • Transition or diversification plan if it makes sense
Many merchants start by trialing one or two MIDs with PeppaPay while keeping their existing setup live.
Customer stories
“We finally stopped worrying about losing our bank overnight.”
“PeppaPay didn’t just ‘get us a MID’—they rebuilt our banking and processing strategy. When our original processor tightened up, we already had a second bank live and a plan in place.”
COO, GLP-1 telehealth brand
$800k–$1.2M monthly card volume
USA
“We’d bounced between ‘high-risk’ providers for years. PeppaPay is the first ISO that brought real bank relationships, clear communication, and actual strategy to the table.”
Founder, multi-brand supplements group
3 brands • 6+ funnels
EU & US
Get a placement review
Share a few details and we’ll review your statements, current processors, and funnels—then send back a concrete placement strategy and next steps.
FAQ
Questions about high-risk ISO placement?
Whether you’re moving off Stripe, leaving an aggregator, or just tired of unstable “high-risk” processors, here’s how we fit in.
Are you a processor or a broker? + −
PeppaPay is an ISO and placement partner. We don’t act as the underlying bank or processor. Instead, we connect you with aligned acquiring partners and stay involved to help manage the relationship, risk, and strategy.
How fast can you get us live? + −
For straightforward structures with clean statements and KYC, many merchants receive approvals and go live in 2–10 business days. More complex ownership, cross-border models, or sensitive offers can take longer as banks review files.
Can you work with our agents or sub-ISOs? + −
Yes. We support agents and sub-ISOs who bring qualified merchants in peptides, GLP-1, nutraceuticals, and similar verticals. We provide placement strategy, bank relationships, and back-office support while you own the merchant relationship.
What if our current processor is threatening to shut us down? + −
Reach out immediately with your latest notices and statements. We’ll prioritize an emergency review and see if we can line up a backup solution or parallel placement so your volume isn’t stranded if a shutdown happens.