Built for merchants
others won't touch
Stripe bans you. PayPal freezes your funds. Square shuts you down. If you sell peptides, supplements, or anything in the health and wellness space, you need a processor that actually understands your business.
The Problem
Why mainstream processors reject these industries
The biggest names in payments explicitly prohibit health, wellness, and research product merchants. Here is what you are up against.
Stripe
Prohibits peptides, research chemicals, and many supplement categories in their Restricted Businesses list. Accounts terminated with 0-day notice.
PayPal
Freezes funds for 180 days upon detection. Health supplement merchants regularly report account limitations with no path to resolution.
Square
Lists "nutraceuticals" and CBD as prohibited. Even general supplement merchants get flagged and terminated during routine account reviews.
180 Days
Funds held after termination
MATCH List
Blacklisted from future processing
$0 Revenue
Business operations halted
Industries We Serve
Deep expertise in eight verticals
Every industry has unique compliance requirements. We understand each one and tailor our processing solutions accordingly.
Research Peptides
Highest NeedThe most targeted industry in payments. BPC-157, TB-500, and other research peptides are legal to sell but virtually impossible to process through mainstream providers.
Common Challenges
- Every major processor explicitly prohibits peptide sales
- High chargeback rates due to long shipping times
- BRAM monitoring and Mastercard scrutiny
How CevGate Helps
- Acquiring bank relationships that accept research peptides
- Fraud tools and chargeback prevention built in
- BRAM compliance monitoring and guidance
Dietary Supplements
Health claims on product pages trigger automated account termination. Even compliant supplement brands find themselves banned from Stripe and PayPal without explanation.
Common Challenges
- Health claims on labels or website trigger shutdowns
- Subscription billing increases chargeback risk
- Processor-side content monitoring flags product descriptions
How CevGate Helps
- No content-based automated terminations
- Subscription billing support with chargeback prevention
- Compliance review before onboarding, not after
Nutraceuticals
Operating in the gray area between food and pharmaceuticals, nutraceutical companies face FDA-adjacent regulation that makes processors nervous and leads to preemptive bans.
Common Challenges
- FDA-adjacent classification scares processors
- Efficacy claims draw regulatory scrutiny
- High return rates on initial purchases
How CevGate Helps
- Banking partners familiar with nutraceutical regulations
- Refund management to reduce chargeback ratios
- Compliance guidance for product claims
CBD / Hemp
Federally legal under the 2018 Farm Bill, yet most payment processors still treat CBD as prohibited. The gap between law and processor policy costs merchants millions in lost revenue.
Common Challenges
- Federal legality does not equal processor acceptance
- State-by-state compliance complexity
- High rates from the few processors that do accept CBD
How CevGate Helps
- CBD-friendly acquiring bank relationships
- Competitive rates, not inflated high-risk pricing
- Multi-state compliance verification support
Sports Nutrition
Pre-workouts, protein powders, and performance products get lumped in with banned supplements. Processors do not differentiate between a whey protein and a controlled substance.
Common Challenges
- Lumped into the same risk category as banned substances
- Performance claims flagged as misleading marketing
- Recurring order models increase dispute rates
How CevGate Helps
- Proper MCC classification for sports nutrition
- Recurring billing with built-in dispute prevention
- No surprise terminations based on product category
Anti-Aging Products
NAD+ precursors, collagen peptides, and longevity supplements make health claims that processors flag as deceptive. The anti-aging market is enormous but underserved by payments infrastructure.
Common Challenges
- Anti-aging claims classified as misleading by processors
- High AOV increases chargeback financial exposure
- Continuity billing models draw extra scrutiny
How CevGate Helps
- Claims-tolerant processing with proper risk management
- High-AOV transaction support without rolling reserves
- Automated chargeback alerts and dispute management
Nootropics
Novel compounds like racetams, modafinil alternatives, and cognitive enhancers face risk classification issues. Processors do not understand the category and default to prohibition.
Common Challenges
- Novel compounds have no established risk classification
- Cognitive enhancement claims trigger automated flags
- Constantly shifting regulatory landscape
How CevGate Helps
- Product-level review instead of blanket category bans
- Regulatory monitoring to stay ahead of changes
- Transparent underwriting with no surprise shutdowns
General E-Commerce
Not every merchant we serve is high-risk. CevGate's hosted checkout, multi-gateway routing, and developer API work beautifully for any e-commerce business looking for a modern payment solution.
Common Challenges
- Locked into a single processor with no redundancy
- Opaque pricing with hidden fees on every transaction
- Poor developer experience and slow API integrations
How CevGate Helps
- Multi-gateway routing for redundancy and uptime
- Transparent pricing with no hidden fees
- Modern REST API with full documentation
Compliance
Compliance is not optional. We build it in.
High-risk merchants need more than just a processor. They need a partner that understands the regulatory landscape and keeps them compliant.
LegitScript Certification
LegitScript certification is increasingly required for supplement and health product merchants. We guide you through the certification process and ensure your business meets all requirements.
- Pre-certification compliance review
- Application guidance and support
- Ongoing monitoring and renewal reminders
Mastercard BRAM Compliance
The Brand Risk Assessment and Mitigation (BRAM) program monitors merchants in high-risk categories. We actively manage your BRAM status to prevent issues before they happen.
- BRAM registration and monitoring
- Proactive content compliance scanning
- Chargeback ratio monitoring and alerts
CevGate Compliance Tools
Our platform includes built-in tools to help you stay compliant without hiring a dedicated compliance team. We do the heavy lifting so you can focus on selling.
- Dashboard chargeback ratio tracking
- Fraud velocity checks and 3D Secure
- Dedicated compliance support team
Testimonials
Trusted by merchants who need stability
Hear from real merchants who switched to CevGate after being shut down by mainstream processors.
"We were shut down by Stripe twice and PayPal once. Each time, funds were held for months. CevGate understood our peptide business from day one. We have been processing for 8 months with zero issues."
Marcus R.
Research Peptide Supplier
"The checkout page looks clean and professional. Our conversion rate went up 12% after switching from a janky payment form we built ourselves. The API integration took our developer about an hour."
Sarah K.
Peptide Research Company
"After getting MATCH listed by our previous processor, I thought I would never accept cards again. CevGate worked with us to get back to processing within two weeks. Their compliance team is incredible."
James T.
Peptide & Supplement Store
Ready to stop worrying about your payment processing?
Join merchants who trust CevGate to keep their business running. No setup fees. No long-term contracts.