FAQ
Questions stores ask before applying
Short answers in plain language. Anything not covered here, ask sales 24/7 at sales@payxsolutions.com.
- 01
Can my store use PAYX Solutions?
We work with WooCommerce stores that sell research-use-only peptides to qualified business and institutional buyers, make no human-use, health or dosing claims, are not on the MATCH list, and have not been terminated by a processor for cause in the past five years. Our banking partners make the final underwriting decision on each merchant account; we do not guarantee it.
- 02
Why do standard processors decline peptide stores?
Research peptides are legal to sell, but the category sits in a grey area for mainstream processors: the rules keep moving, the industry's chargeback history is poor, and research-use-only labeling needs a manual review that automated onboarding cannot do. Many stores are approved by a machine on day one and closed by a person on day thirty.
- 03
How is PAYX Solutions different?
We get the store compliant first, then open processing through banking relationships that understand the category. A person from our team reviews your store, walks you through the fixes, and stays available 24/7 after you go live. The scanner keeps checking your storefront every 15 minutes, so a problem is caught before it becomes a termination.
- 04
Who can buy, and what do you verify?
Every visitor confirms they are 21 or older and a qualified researcher before they see the catalog, under research-use-only and not-for-human-use notices. Before a first order the buyer verifies their email address with a one-time code and signs a short intended-use statement. We keep those records for you. We do not independently check credentials, and you remain responsible for who you sell to.
- 05
What records do I get if a bank asks?
Your dashboard holds the score history, every finding with the page it came from, and every buyer's signed statement. All of it exports to a spreadsheet on demand, so an underwriting question gets a file instead of a promise.
- 06
What does it cost?
6.5-9.5% + $0.30 per successful card transaction, all-in for standard domestic cards, plus $199/mo for monitoring and support. There is no application, setup, plugin or export fee. Your exact rate within the range is confirmed in writing before you go live.
- 07
How long does it take to start?
Most stores hear back from us within 48 hours. Installing the plugin takes an afternoon, and the first scan runs as soon as it is active. Processing turns on once your score reaches 100 and your merchant account is approved.
- 08
What happens if my score drops?
Below 65, we email you and a 24-hour window starts. Bring the score back to 100 inside it and nothing changes. Otherwise card payments through PAYX Solutions pause until it does. Your merchant account, your balance and payouts already made are not affected.