2ndAP Has ACH & Cryptocurrency Options for Peptide Merchants

Thomas M Troyer

Sep 9

2 min read

Card brands are imposing substantial fines on acquiring banks and processors that handle peptide transactions. As a result, processors are declining new peptide merchant applications and canceling existing accounts—often with little warning.

That does not necessarily mean peptide merchants are out of payment options.

2nd Amendment Processing can help peptide businesses apply for ACH and bank-debit processing. Rather than using a credit or debit card, the customer authorizes payment directly from a bank account. This can give merchants another way to accept online payments when card processing is unavailable or too unstable.

We can also help peptide merchants explore cryptocurrency payment options. Crypto payments can provide an additional checkout method outside the traditional card networks, helping businesses reduce their dependence on a single payment channel.

Why ACH May Make Sense for a Peptide Business

ACH does not rely on the Visa or Mastercard card networks, so it is not governed by their merchant-acceptance policies.

For an businesses, ACH can provide:

Online bank-account payments
One-time and recurring debit capabilities
An alternative checkout option when cards are restricted
Reduced dependence on a single payment channel
Bank-account verification tools
A documented transaction and authorization trail

For peptide merchants facing abrupt card-processing restrictions, adding ACH can help preserve payment continuity and reduce the risk of losing every electronic payment option at once.

Current ACH Pricing

The current ACH plan available through our signup page lists:

Transaction rate: 2.90% plus $0.25 per transaction
Monthly fee: $20
Application/startup fee: $199
Refundable deposit: $150
Total due at signup: $349

Pricing displayed as of September 2026 and may change. Additional fees, limits, or terms may apply under the service agreement. Sign Up Now

Cryptocurrency Provides Another Payment Option

Cryptocurrency payments give peptide merchants another way to accept online purchases without routing the transaction through Visa or Mastercard. Consumers pay with supported digital currencies while the merchant receives cryptocurrency or settlement in U.S. dollars.

Crypto Sign-Up

Crypto payments may offer:

An additional checkout option for customers
Less dependence on card-network acceptance policies
Reduced exposure to traditional card chargebacks
Domestic and international payment capabilities
The ability to settle in cryptocurrency or U.S. dollars, where supported

Cryptocurrency is not free from compliance requirements or financial risk. Availability, pricing, settlement, refunds, supported currencies.

Ready to Apply?

Sign Up Now

Crypto Sign-Up

Applications are subject to underwriting approval. Merchants are responsible for complying with all applicable laws, ACH-network rules, authorization requirements, banking policies, and the terms of their processing agreement. Nothing in this article constitutes legal or regulatory advice.