Payment Programs Built for GLP-1 & Peptide Merchants
Croft Business Solutions offers two U.S. payment paths: domestic card processing for LegitScript-aligned clinics and licensed programs, plus cryptocurrency checkout for research-use-only (RUO) merchants who need an alternative to traditional card rails.
Licensed card processing or research-only crypto
Not every peptide business fits the same payment model. Croft routes you to the program that matches how you actually operate.
Path 1 · Card processing
Licensed & LegitScript-aligned
Domestic U.S. merchant accounts for telehealth clinics, licensed providers, and compliant GLP-1 or peptide programs selling by e-commerce, phone, or mail order.
- Domestic U.S. merchant accounts for card-not-present (CNP) sales
- Built for telehealth, wellness clinics, and licensed dispensing models
- Recurring billing, virtual terminal, and gateway integrations
- Chargeback tools and dispute management for high-ticket subscriptions
- Transparent underwriting with sustainable reserve structures
LegitScript certification required
Path 2 · Crypto payments
Research-use-only (RUO)
Cryptocurrency checkout for merchants selling research peptides and compounds with proper RUO labeling , when traditional card processing is not an option for your business model.
- Cryptocurrency checkout for research-use-only (RUO) peptide and GLP-1 products
- Bitcoin and major digital assets, alternative to traditional card rails
- Designed for merchants whose model does not fit sponsor-bank card programs
- Clear RUO positioning, labeling, and checkout disclosures
- Consultation on compliant crypto payment setup for your storefront
RUO positioning · crypto tender
A U.S. partner that understands both models
Generic processors decline peptide merchants outright. We built this page, and these programs, for how the industry actually works.
Two paths, one partner
Licensed clinics get domestic card programs. Research-only operators get a crypto path, no need to force-fit the wrong model.
Vertical expertise
We specialize in GLP-1, peptide, and supplement merchants, not generic high-risk placement.
Account stability
We underwrite for longevity. Quick approvals that shut down later cost more than getting it right upfront.
U.S.-focused support
Croft is your direct contact from application through go-live, real people, not a ticket queue.
Who qualifies for card processing
Domestic U.S. accounts for merchants operating compliant, prescription-aligned or LegitScript-certified models.
- LegitScript-certified telehealth and wellness programs
- Licensed providers offering GLP-1 or peptide therapies
- Compliant online clinics with prescription workflows
- Licensed pharmacies and dispensing partners
- Semaglutide, tirzepatide, and related treatment programs
Who qualifies for crypto payments
For merchants with research-use-only positioning that cannot pursue LegitScript or sponsor-bank card programs.
- Research-use-only (RUO) peptide suppliers
- Laboratory and research compound distributors
- Merchants with proper RUO labeling and disclaimers
- Businesses declined for card processing due to RUO positioning
- E-commerce brands seeking crypto as a primary or secondary tender
Why peptide & GLP-1 merchants need specialized processing
Banks see chargebacks, regulatory scrutiny, and marketing risk, and many shut accounts down without warning.
Chargeback exposure
Subscription and high-ticket CNP sales attract disputes. The right program sets realistic reserves and gives you tools to fight back.
Regulatory scrutiny
FDA, state boards, and card networks all watch this space. Your positioning and disclosures have to match your payment path.
Processor mismatch
Square, Stripe, and mainstream ISOs often approve then terminate. A vertical specialist prevents costly mid-stream shutdowns.
Requirements by program path
Card and crypto programs carry different expectations. Meeting them upfront keeps onboarding smooth.
Licensed card program
- Active LegitScript certification (required for current card placements)
- Clear licensed care model with provider oversight and prescription workflow
- Transparent subscription, refund, shipping, and cancellation policies
- Compliant product claims aligned with LegitScript and sponsor-bank standards
- No deceptive outcomes, testimonials, or copy that conflicts with your approved model
Research-only crypto program
- Consistent research-use-only (RUO) labeling on products and website
- Clear disclaimers that products are not for human consumption or medical use
- Checkout and marketing copy that match your RUO positioning
- Terms of service, privacy policy, and refund policy visible to buyers
- Willingness to use cryptocurrency as the primary or supported payment method
You are responsible for compliance with FDA, state, and platform rules. Croft outlines program requirements and connects you with appropriate payment solutions, we recommend legal counsel for claims, labeling, and distribution decisions.
What to have ready
Gathering documentation before you apply speeds up underwriting for either path.
- Completed merchant application
- Valid government-issued ID
- Voided check or bank letter
- Last 3 months of bank statements
- EIN letter / SS-4 form
- Articles of incorporation
- Operating agreement (if multiple owners)
- Recent utility bill (within 3 months)
- Fulfillment agreement or inventory documentation
- Last 2 years financials or tax returns
Card applicants should also have active LegitScript certification and a website that matches sponsor-bank expectations. RUO applicants should have consistent research-only labeling and a checkout flow ready for cryptocurrency integration.
What to expect
From first call to accepting payments, here is how onboarding works.
Tell us your model
Share whether you operate a licensed/LegitScript program or a research-use-only business. We route you to the right path.
Documentation review
We review your site, product list, and paperwork. Card programs require LegitScript; RUO programs focus on labeling and crypto readiness.
Program match
Licensed merchants are matched with domestic card programs. RUO merchants receive crypto payment setup guidance.
Go live
Gateway integration for cards or crypto checkout configuration, typically 1–3 weeks depending on path and documentation.
Declined elsewhere? Tell us what happened. Licensed merchants may still qualify for card programs; RUO merchants may be a fit for crypto. We will be direct about what is possible.
GLP-1 & peptide processing questions
Answers for U.S. merchants evaluating card processing or cryptocurrency options.
- Does Croft offer GLP-1 and peptide merchant processing in the United States?
- Yes. Croft Business Solutions helps U.S. GLP-1 and peptide merchants with two distinct options: domestic card processing for LegitScript-aligned, licensed programs, and cryptocurrency payment solutions for research-use-only (RUO) businesses that do not qualify for traditional card rails.
- Can research-use-only (RUO) peptide merchants accept payments through Croft?
- Yes. Research-use-only merchants are generally not eligible for domestic card programs, but Croft can help you set up cryptocurrency payment options, including Bitcoin and other major digital assets, so customers can check out without traditional credit card processing.
- What cryptocurrencies can RUO peptide merchants accept?
- Supported assets depend on the crypto payment program we match you with. Bitcoin and other widely used digital currencies are typically available. Contact us with your volume and checkout needs and we will confirm options for your business.
- Is LegitScript certification required for card processing?
- Yes. Active LegitScript certification is required for current domestic card placements for GLP-1 and peptide merchants. If you operate a research-only model, the crypto path is designed for businesses that cannot or do not pursue LegitScript certification.
- Why are GLP-1 and peptide merchants considered high-risk?
- Evolving FDA and state regulations, subscription chargeback exposure, and strict marketing rules lead many banks to classify peptide and GLP-1 merchants as high-risk. Even legal businesses often need specialized underwriting, which is why a vertical-focused partner matters.
- What documents do I need to apply?
- You will typically need a completed application, government ID, banking verification, 3 months of statements, EIN documentation, incorporation papers, utility bill, fulfillment or inventory proof, and 2 years of financials or tax returns. Our team confirms the exact list for your program path.
- Can I accept credit cards online for semaglutide or tirzepatide?
- Yes, if your business operates a LegitScript-certified, licensed model that meets sponsor-bank underwriting. We support e-commerce, phone orders, and virtual terminal sales with gateway and API integrations.
- What if I was declined or shut down by another processor?
- We review declined accounts on a case-by-case basis. Licensed merchants may qualify for high-risk-friendly card programs. RUO merchants may be better served by the cryptocurrency path. We will be upfront about what is realistic for your model.
- How long does approval take?
- Many applications receive an initial review within a few business days. Full onboarding, whether card gateway setup or crypto checkout, typically completes within 1–3 weeks depending on documentation and program path.
- How do I get started with Croft?
- Request a free consultation at (678) 689-8901 or submit your details through our high-risk processing form at www.croftbusiness.com/get-started/high-risk. We will identify whether the licensed card program or research-only crypto path fits your business and walk you through next steps.
Find the right payment path for your peptide business
Talk to Croft about licensed card processing or research-only cryptocurrency options. Free consultation, we will tell you which program fits.