Terms of service.

1. What PeptideApprove provides

PeptideApprove provides merchant services support, payment program coordination, application packaging, compliance review support, and payout feature coordination for eligible high-risk and peptide-related merchants. Banking, acquiring, card-network access, money movement, settlement, and card issuance services are provided by licensed sponsor-bank, acquiring, processing, payout, and issuing partners.

2. Eligibility

You must represent a lawful business and be authorized to submit information on its behalf. We may decline any merchant that does not meet KYC/KYB requirements, program rules, product compliance requirements, card-network rules, sponsor-bank requirements, or risk standards.

3. Application and onboarding

The application is a merchant review. It collects the legal entity, owner, government identification, formation documents, and settlement account described in the Privacy Policy. Do not upload card numbers, bank login credentials, or a full Social Security number. Sole proprietors provide only the last four digits.

4. Pricing

PeptideApprove does not publish a card rate. Final pricing, reserves, fees, payout timing, and program conditions are subject to review, partner approval, card-network rules, and written merchant agreement.

5. Settlement and payout features

Standard settlement is described as T+1 where approved and supported by the applicable program. Push to Card, Real-Time Payments, ACH, wire payout options, embedded checkout, reserve optimization, and physical or virtual card issuance may be available for eligible merchants or programs. Availability is not guaranteed and may vary by merchant profile, jurisdiction, risk review, integration requirements, reserve requirements, and partner approval.

6. Compliance

You are responsible for operating lawfully, maintaining accurate business information, and ensuring your website, product descriptions, advertising, customer policies, and fulfillment practices comply with applicable laws, partner rules, and card-network requirements. PeptideApprove may request changes to merchant materials before or after approval.

7. No guarantee of approval

Submitting an application does not create a merchant account, payment account, card program, banking relationship, or contractual processing approval. Approval is subject to review by PeptideApprove and applicable sponsor-bank, acquiring, processing, payout, issuing, and compliance partners.

8. No professional advice

PeptideApprove does not provide legal, medical, tax, regulatory, or accounting advice. You should consult qualified professionals for advice specific to your business.

9. Contact

Questions about these terms can be sent to legal@peptideapprove.com.