Top 5 Payment Gateways Peptide Merchants Actually Use (Without Getting Flagged)

💬 Let’s be real if you sell peptides, the payment struggle is real.

Stripe bans you.
PayPal flags you.
Most banks don’t even want to hear the word “research.”

But merchants are still selling.
Still processing.
Still scaling quietly.

So how are they doing it?

This article breaks down the 5 gateway routes we see actually working in 2025 based on data, not hype.

Quick Disclaimer

We’re not recommending shady activity.
We’re not telling you to lie.
This is not legal advice.

We’re simply sharing the gateway *structures* high-risk merchants are using right now so you can stay educated and avoid obvious traps.

1. Stealth PayPal or Stripe Setups (GhostVault)

Many merchants don’t process under their brand name at all.

Instead, they use:

• A clean front-end website
• A connected “buffer” brand that handles the transaction
• And a stealth account that isn’t exposed to peptide-related content

These setups route funds through a secondary entity keeping the core business out of the line of fire.

❗ Risk: Still subject to platform rules but used carefully, this method gives merchants a second life.

2. Offshore High-Risk Card Processor (BlackVault)

Some peptide sellers scale past $100K/month and need something more durable.

That’s where offshore processors come in. These setups:

• Are built for high-risk volume
• Allow card transactions under stricter KYC
• Require upfront vetting, but offer higher limits and custom terms

✅ Works best for scaling brands ready for adult-level onboarding.

3. Fiat-to-Crypto Onramp (Accept Cards, Get Paid in USDT)

This structure is growing fast:

• Customers pay by Visa/Mastercard
• You receive crypto (USDT or BTC)
• Funds settle outside traditional banking rails

Why merchants like it:
No Stripe/PayPal exposure, faster onboarding, and low chargeback risk

This is often the first real option for merchants banned everywhere else.

4. Crypto-to-Card Payouts (Visa, PayPal, CashApp)

Let’s say you’re selling successfully via crypto, but now you need fiat access.

This gateway type allows you to:

- Get paid in crypto
- Receive payouts to Visa debit, CashApp, or even PayPal

It’s fast, relatively quiet, and ideal for merchants who don’t want bank logins involved.

Common with mid-size peptide stores doing $10K–$60K/month.

5. iBan or OTC Offramp (For Global Crypto Settlement)

If you're moving larger volumes, a basic wallet or CashApp setup won’t cut it.

iBan-style accounts and OTC desks let you:

• Offramp large crypto balances securely
• Receive funds in EUR, GBP, or wire
• Stay under the radar with professional-level flows

Common with international supplement merchants and global fulfillment teams.

The Pattern Is Clear

Peptide merchants who are still processing in 2025 are:

✅ Not relying on public processors
✅ Using crypto bridges or stealth structures
✅ Staying educated on what gets flagged

They’re not doing magic.
They’re just using a smarter map.

💡 Want a Breakdown of These Options?

📥 Download the “Clean Processing Checklist” →
Used by merchants scaling sensitive products under the radar.

🔎 View Our Payment Solutions for High-Risk Merchants →
Including GhostVault, BlackVault, Crypto Onramps, and more.

Related Posts
- LegitScript Isn’t the Only Way Smarter Options for Merchants Under the Radar
- Fiat-to-Crypto Onramp For Banned or Restricted Merchants
- Crypto to Card Payouts Stealth Settlement Options
- BlackVault Offshore Card Processor for $100K+ Merchants