Instant approval · Built for peptide merchants

Get approved today. Process tomorrow. Consistent processing. Instant approval. No hidden fees. Pricing transparency.

The first payment processor purpose-built for peptide merchants. Skip the 6-week underwriting circus. One application, instant decision, all major cards accepted.

Check your eligibility
✓ Transparent reserves ✓ All major cards + PayPal ✓ Instant approval ✓ Flat 11%, no hidden fees
$209M+
Processed monthly
1,592
Active merchants
99.8%
Uptime, last 90d
22 min
Last approval
The approval process

From “hello” to processing
in under 24 hours.

No legal team. No 47-page application — just a quick form and a conversation with your assigned agent.

1
~5 min

Fill out application

Basic information about your business and how we can help. No 47-page forms — just the essentials so we can point you to the right solution.

2
~20 min

Connect with your assigned agent

You're connected with a private, dedicated agent who assesses your situation in a bit more depth — so the right setup is ready before you go live.

M
You Need processing for research peptides. ~$45k/mo. Got dropped by Stripe last week. Domain is xyzpep.com
3P Solid. We can take that volume. Let's hop on a quick call so your agent can walk you through onboarding.
3P
3
Same day → Next day

Get approved

We have solutions for WooCommerce and custom code — both take less than 24 hours to get you onboarded and accepting PayPal.

Application Approved
All documents verified — you're cleared to process.
Today, 3:42 PM
Get approved today →
Powerful services

Everything you need, in one dashboard.

Real-time gross volume, transaction logs, settlement schedule, and chargeback monitoring. Built into the 3P merchant portal.

  • Simple & fast to set up

    Live in your dashboard the same day your application is approved.

  • Easy management

    Real-time volume, refunds, and payout tracking — all in one view.

  • Direct account-manager access

    Telegram support built into your dashboard. Real humans, real answers.

use3psolutions.com/app
The 3P merchant dashboard showing total cash collected, next payout, available balance, net revenue, and a revenue-over-time chart
Universal acceptance

Connects to every rail
your customers use.

Cards, digital wallets, and crypto — all routed through one merchant account. Nothing falls through.

AMEX
DISCVER
One simple rate

The most transparent price in high-risk.

Flat 11% per transaction. No setup fees, no monthly fees, no surprises — just transparent PayPal processing.

PayPal rail
11 %
Per transaction
PayPal checkout, fastest reserve return
Rolling reserve
5%
released after 30 days
Instant approval
PayPal checkout
T+2 payouts, 3x per week
$0 setup, $0 monthly
Bank or crypto settlement
24/7 Telegram support
PayPal checkout converts the customers other processors turn away — fast approvals, transparent reserves, and no card data to handle. Our merchants average 94%+ approval rates.
The real cost of cheap processing

You're losing 30% of every sale
before it ever processes.

Generic high-risk processors approve roughly 70% of peptide transactions. The other 30% get declined at checkout. Customers see "Transaction Failed," and most never come back.

Generic processor
70% approved
$30k vanishes at checkout on $100k attempted
With 3P routing
94% approved
$94k clears on first try, every time
3P
Others
Card approval rate
✓94%+
~70%
Approval time
✓Under 24 hours
4–8 weeks
Rolling reserve
✓5–10%, 30–60 days
10–25% held 180+ days
Pricing transparency
✓Flat 11%, all-in
Hidden interchange-plus
Hidden monthly fees
✓$0
$200–600/mo
PayPal checkout
✓Included
✗Not offered
Peptide specialization
✓Sole focus
One of many verticals

Add it all up and a "cheaper" processor costs roughly $400k+ more per year on $100k/month volume — between lost sales, hidden fees, and reserves you'll never see again. The right infrastructure pays for itself before lunch.

Testimonials

From merchants who've been there.

Every quote below is from a peptide operator who switched after their last processor failed them.

"Stripe shut us down on day 30. 3P had us back online in 14 hours and processing the same day. Night and day."

$42k/mo
Research peptide brand · was on Stripe

"The 11% flat rate sold me. Reserves are upfront and tiny compared to what Stripe was holding. No interchange games, no surprise fees three months in."

$28k/mo
Peptide brand operator · burned by interchange-plus

"Other processors quoted me 6-week underwriting. 3P approved us the same day I applied. Already processing $40k+/week."

$160k/mo
Research chem supplier · dropped by Square

"My old processor hit me with a 20% rolling reserve held 180 days. 3P's reserve is 10% returned in 60 days — and I know that upfront. Cash flow is night and day."

$87k/mo
Wellness research brand · 6 months frozen funds

"Telegram support response time is under 15 minutes. With my old processor I'd wait days for a ticket reply. Doesn't sound like much until something breaks."

$53k/mo
SARMs supplier · ticket-queue refugee

"Approval rates jumped from 68% to 93% the week we switched. That's tens of thousands in recovered sales I didn't even know I was losing."

$112k/mo
Peptide DTC · was watching customers bounce

"PayPal support was the unexpected hero. We were leaving 35% of cart conversions on the table without it. No other processor in this space offers it."

$71k/mo
Peptide retailer · PayPal-dependent buyers

"Three processors dropped us in 18 months. With 3P it's been 9 months and growing. Stability finally feels real."

$95k/mo
Research compound supplier · serial terminations

"T+2 payouts three times a week vs. T+7 with massive locked reserves. The working capital difference let me 2x inventory in 60 days."

$48k/mo
Hormone research lab · cash-flow strangled
Frequently asked

Questions, answered.

Most peptide merchants are approved within 24 hours of submitting their initial Telegram message. Some come back same-day. We don't run 6-week underwriting, because we already know your category — that's the entire point of being peptide-specialized.
Compared to Stripe's 2.9%, yes. Compared to other high-risk processors when you add their rolling reserves (10–25% held for 180 days), hidden interchange-plus markups, monthly fees, and chargeback penalties — flat 11% is often the cheaper option, and the only one you can actually budget around.
Yes. PayPal checkout is included with every 3P merchant account, at the same flat rate as card transactions. Most peptide processors don't offer it. We do.
Every transaction has a transparent rolling reserve disclosed upfront. PayPal: 5% held 30 days. Card: 10% held 60 days. After the hold period, that money is released back to you. Compare that to typical high-risk processors who hold 10–25% for 180+ days — and won't tell you until you read it in the fine print after signing.
Payouts (net of the disclosed rolling reserve) are sent T+2 — two business days after transaction — three times per week, Monday/Wednesday/Friday. Choose to settle directly to your business bank account or to a crypto wallet (USDC, USDT, BTC).
Every 3P account includes chargeback dispute support. Your dedicated account manager helps you compile evidence, respond to disputes, and protect your processing volume. Standard card-brand chargeback fees apply.
Two options: a hosted checkout (works with WooCommerce, Shopify, custom HTML stores — most merchants are live in under an hour) or a direct API integration for full control over the checkout experience. Your account manager walks you through either.

Process today. Get paid this week.

Stop losing revenue waiting on processors that weren't built for you. Apply on Telegram now — most merchants are approved in under 24 hours.

Get approved today