Case Study: Peptide Company Recovers and Scales Without LegitScript — Thanks to High Risk Payment Bank
Client Overview
A successful e-commerce peptide seller was processing over
$1,000,000 per month in credit card transactions using a traditional low-risk payment processor. Despite consistent sales and stable operations, the merchant was abruptly terminated due to the high-risk classification of peptide products and lack of LegitScript certification — a common requirement for mainstream processors handling supplement and research chemical sales.
The Challenge
With no LegitScript approval in place, the merchant’s options were limited. They turned to PayPal as a short-term patch, but that relationship was terminated just two months later due to compliance concerns related to unregulated products.
Forced to operate without a viable card processor, the merchant relied on Zelle and cryptocurrency for payments — both non-scalable and customer-unfriendly. The situation worsened:
- Sharp decline in transaction volume
- Loss of customer trust due to limited payment options
- 10% rolling reserve held by previous processors, further straining liquidity
- Unable to access traditional merchant accounts without LegitScript approval
The business was at a crossroads, unable to obtain traditional processing and struggling to operate efficiently without card acceptance.
The Solution: High Risk Payment Bank
The merchant partnered with High Risk Payment Bank (HRPB) — a trusted provider of high-risk merchant accounts that supports companies without LegitScript certification.
What HRPB Delivered:
- A dedicated high-risk merchant account approved for peptide sales — no LegitScript required
- No rolling reserve, freeing up vital capital
- Full Visa/Mastercard credit card processing restored across all product lines
- Seamless gateway integration with the merchant's e-commerce platform
- Chargeback prevention tools and ongoing compliance support
The Results
Within 60 days of onboarding with HRPB, the business experienced a complete turnaround:
- Stable credit card processing resumed
- Monthly volume rebounded and exceeded $1.2 million
- Eliminated rolling reserve, improving liquidity and cash flow
- Customer trust restored with secure and convenient checkout
- Scalable operations without the burden of certification delays
“We were stuck because we didn’t have LegitScript — every processor said no. High Risk Payment Bank gave us what no one else could: fast approval, stable processing, and real growth.”
Conclusion
In the high-risk world of peptides, research compounds, and nutraceuticals, LegitScript certification is often a barrier to entry. But with High Risk Payment Bank, it's not a dealbreaker. HRPB provided a tailored, reliable solution that helped this merchant not only survive — but scale beyond prior levels.