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2ndAP Offers a Processing Path for RUO Peptide Businesses
2ndAP helps eligible U.S. and Canadian research-use-only peptide businesses explore a transparent, partner-supported path to card processing. The program includes ongoing website compliance monitoring, preset terms, and separate underwriting review; meeting compliance requirements does not guarantee approval.

Thomas M Troyer
Sep 253 min read


Online shopping may be entering a new phase
Mastercard is moving AI-assisted shopping from an industry concept toward real payment activity through Alchemy AgentCard. Here is what ecommerce and high-risk merchants should understand about authorization, fraud, disputes and operational readiness.

Thomas M Troyer
Sep 175 min read


2ndAP Has ACH & Cryptocurrency Options for Peptide Merchants
As card brands pressure processors to decline or cancel peptide merchant accounts, 2nd Amendment Processing continues helping eligible businesses explore ACH and cryptocurrency payment options.

Thomas M Troyer
Sep 92 min read


Mastercard’s Specialty Merchant Fees Are a Pure Money Grab
Mastercard has added transaction and volume fees for businesses classified as specialty merchants. In 2ndAP’s view, this is a pure money grab: the published guidance identifies new charges, but no new merchant-facing fraud-prevention service or measurable protection purchased by those fees.

Thomas Troyer
Sep 75 min read


Cigar Businesses Deserve Better Payment Processing
2ndAP helps cigar bars, lounges and online cigar stores secure reliable payment processing, competitive rates and safer transactions.

Thomas Troyer
Sep 71 min read


Mastercard’s New Merchant-Monitoring Rules: What CNP and High-Risk Businesses Need to Know
Mastercard is moving toward faster investigations and broader measurement of merchant risk. Here is what card-not-present and high-risk businesses should know about the new 72-hour standard, GMAP, and protecting their processing relationship.

Thomas Troyer
Aug 246 min read


Did Stablecoins Replace XRP? What Merchants Need to Know
Have stablecoins replaced XRP? Not quite. While stablecoins are transforming digital payments with price stability and faster settlements, XRP continues to play a unique role in cross-border liquidity and currency exchange. Learn the differences, why both technologies matter, and what their growing adoption means for businesses looking to stay ahead in the future of payment processing.

Thomas Troyer
Jul 133 min read


Why Your Merchant Account Could Disappear Overnight — And How to Make Sure Yours Doesn’t
Firearms merchant accounts face new risks in 2026 — rolling reserves, frozen funds, and stricter compliance rules. Here’s what’s driving the crackdown, the red flags to watch for, and how to protect your business before a freeze forces the issue.

Thomas Troyer
Jun 193 min read


Keyed-In Transactions: What Every Business Should Know
Keyed-in transactions can trigger flags with big processors. Learn how to protect your business and process payments safely.

Thomas Troyer
Jun 23, 20252 min read
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