Industries / Peptides
Stripe doesn't process peptides. Settle does.
Peptides and research chemicals sit on Stripe's prohibited-use list. Specialty high-risk processors take you at 5–7% with a 10–20% rolling reserve. Settle is 0.5%, non-custodial, settles in ~2s. We don't underwrite based on what you sell.
Cost
The math.
| Peptide-specialty processor | Settle | |
|---|---|---|
| Per-transaction fee | 5–7% | 0.5% |
| Rolling reserve | 10–20% × 6mo | None |
| Chargeback fee | $25–75 per dispute | $0 — no chargebacks |
| Chargeback liability | 100% of sale, up to 540 days | 0% — payments are final |
| Settlement time | T+5 to T+14 | ~2s on Base |
| International surcharge | 1–3% + FX spread | 0% — same token in, same out |
| Category review | SKU review, claim substantiation | Not by Settle |
| Onboarding | 2–6 weeks underwriting | Today, GitHub OAuth |
Objections
The trade-offs, stated honestly.
What about chargebacks?
There aren't any. Stablecoin payments are final once confirmed on-chain. Peptides is one of the heaviest friendly-fraud categories on cards — Settle removes the dispute vector entirely.
International buyers?
Same 0.5% flat fee, anywhere with internet. No cross-border surcharge. No FX spread. No country-of-incorporation review. USDC on Base clears the same way in São Paulo, Singapore, Berlin, or Lagos — and the buyer's wallet doesn't need a Visa relationship to do it.
Payout speed?
~2 seconds on Base. Funds land directly in your self-custody wallet — no processor account, no T+14 hold, no rolling reserve.
Regulatory exposure?
Yours, not ours. Settle is a payment rail. We do not validate research-use disclaimers, label claims, end-use representations, or your user's intent. We screen counterparty addresses against OFAC sanctions on every transaction — that is the entire underwriting layer. You are responsible for operating only within the jurisdictions and channels where your products are legal to sell.
What's the trade-off?
User needs a stablecoin wallet. There is no fiat onramp on Settle — if a buyer wants to pay with a Visa, they need a different rail. Most peptide merchants run Settle alongside a high-risk card processor: Settle becomes the high-margin, zero-chargeback lane for crypto-comfortable buyers, and the card rail catches the rest.