Merit gates checkout to credentialed research buyers, captures the intended-use attestation, and keeps the tamper-evident record your processor expects.
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Stripe permits research-use peptides when preventive measures keep them out of non-research hands. Merit is those measures, running on your own Stripe account.
“Peptides that are for research purposes may be sold on Stripe as long as there are preventive measures in place to ensure these are not accessible to those who would misuse them.”
Stripe, Prohibited & Restricted Businesses
One vertical, on purpose: B2B card processing for distributors of Research-Use-Only peptides, to qualified counterparties only.
Verify the buyer, capture the intent, seal the record — settled to your own Stripe account, with the lightest PCI scope.
A native card form and one-tap Apple Pay and Google Pay, charged on your connected Stripe account. Funds settle to you, with the lightest PCI scope.
Each verified buyer is sealed into a tamper-evident attestation record you can export the moment a processor asks.
The full flow, end to end. Every buyer clears the same gate, signs the same attestation, and pays on your own checkout, branded to your store.
See the full flowBefore the store even loads, every visitor confirms they are a qualified researcher buying for in vitro or laboratory use.
Select your researcher type and confirm research-use intent.
Each buyer signs in with the email or phone on their research account. Passwordless, with no credentials for your store to manage.
Enter the email or phone on your research account.
A short code, sent by email or text, confirms the buyer controls the account before anything is signed.
We sent a 6-digit code to your email.
A passwordless account, the counterparty type, and the locked intended-use statement, signed before anyone reaches checkout.
Counterparty type and intended use, on the record.
Cards, Apple Pay, and Google Pay on your branded checkout, settled to your Stripe account, with card data never touching your server.
From the researcher gate to a signed, sealed account. Exactly what your buyer does, start to finish.
Auto-playing preview of the live buyer flow. Nothing here is a real transaction.
Researcher + 21+ affirmation before the store loads.
Email or phone, confirmed by a one-time code.
Counterparty type + locked attestation, signed.
Sealed to a tamper-evident record on file.
Cards + wallets on your own Stripe checkout.
One-click CSV of the full attestation ledger.
Merit scans your storefront every week for medical claims, missing RUO disclaimers, and anything that drifts past research-use-only, then scores it so you can fix issues before a processor ever sees them.
Every product and policy page is checked for medical or therapeutic claims, human-use language, and missing RUO / FDA disclaimers. No manual audits.
One score in your dashboard, with every flagged line, exactly where it lives, and how to fix it. Watch the trend so you catch drift early.
Your monitoring history exports as a clean report, so you can show a processor you actively police your own store, alongside your signed attestation ledger.
The buyer flow runs itself. Standing it up on your store takes three steps, on your own Stripe account, your own checkout.
Sign in to your Stripe account from the plugin. No API keys to copy, and you keep your own dashboard.
No API keys to copyThe gate captures counterparty type, intended use, and a signed attestation before anyone reaches the checkout.
Signed attestation on every buyerCards and wallets settle to your account, with every signed record filed and ready to export.
Records filed and exportableHow Merit keeps research-use peptide sales compliant, approvable, and on the record.
Yes, under defined conditions. Stripe’s own policy permits research-use peptides when preventive measures keep them out of non-research hands. Merit is those measures:it gates checkout to credentialed research buyers, captures a signed intended-use attestation, and keeps a tamper-evident record of every agreement — strictly B2B, no direct-to-consumer. Those controls don’t override Stripe’s underwriting, but they put the evidence a processor looks for on the table from day one.
Reducing that risk is the whole point. You connect your own Stripe account, so you stay the merchant of record and funds settle directly to you. High-risk stores usually get dropped because there is no proof of who bought and why. Merit produces that proof on every order. No one can promise a processor will never review an account, but you go in with documented preventive measures and an exportable audit trail instead of a checkbox.
Every buyer must affirm they are a qualified research counterparty: a licensed researcher, clinical laboratory, CRO, or credentialed institutional buyer, purchasing for in vitro or laboratory research onlyunder the 21 CFR §201.128 intended-use standard. Before checkout, Merit shows the researcher and 21+ gate, then a one-screen sign-up that records counterparty type, intended use, and a signed attestation. B2B only: no direct-to-consumer, no CBD, no supplements.
Every agreement is written to a tamper-evident ledger:the exact attestation wording and its version, the buyer’s counterparty type and intended use, the time, the IP, and a sealed signature. Each record is cryptographically sealed, so any later edit flags as altered. When a processor or auditor asks, you export the full ledger as a CSV in one click.
Card and wallet payments, including Apple Pay and Google Pay, run through an embedded Stripe Payment Element on your own checkout, so card data goes straight to Stripe and never touches your server — the lightest PCI scope, SAQ-A. Money settles to your connected Stripe account, and Merit never holds your funds. Merit is free to install and use, then 7% + 30¢ per transaction, all-in, with your standard Stripe processing fees included.
Merit installs as a WordPress or WooCommerce plugin. Connect Stripe with one click (no API keys to copy), paste in your Terms and Privacy links, and follow the in-plugin Setup Guide that shows live status for each step. Most stores can be gating buyers and taking payments the same day, and the card option stays hidden at checkout until your Stripe account is cleared to charge.
Merit gates a peptide distributor’s checkout to credentialed research buyers, captures a signed intended-use attestation, and runs the payment on the merchant’s own Stripe account with a tamper-evident record of every agreement. That is precisely the set of preventive measures Stripe’s policy requires to allow research-use-only peptides — so merchants can get approved for card processing, and stay that way.
Create your free account and stand up the gate, the records, and payments, on your own Stripe account. No setup cost.
Get startedMerit supports business-to-business card processing for distributors of Research-Use-Only (RUO) peptides only. Every buyer must qualify as a research counterparty: a licensed researcher, clinical lab, contract research organization, or credentialed institutional buyer, purchasing under the intended-use standard of 21 CFR §201.128. We do not support direct-to-consumer sales, CBD, or dietary supplements.
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