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Processor approval checklist

Processor approval checklist

What an underwriter looks at before approving a research peptide business for card payments. Tick off what you have, then print the list and work through the rest before you apply.

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Business documentsCompany formation documentsArticles of organization or incorporation, in the same legal name as the application.EIN confirmation letterThe IRS letter showing your employer identification number.Owner IDGovernment ID for every owner with 25 percent or more.Business bank accountA voided check or bank letter for an account in the company name.Three to six months of bank or processing statementsIf you have them. New businesses can explain expected volume instead.Supplier invoicesRecent invoices showing where your products come from.

Website pagesTerms of saleIncluding that products are sold for research use only.Refund and return policyClear time limits and conditions, linked from checkout.Shipping policyWhere you ship, how long it takes, and how tracking is provided.Privacy policyWhat you collect and how it is used.Contact pageA business address, email and phone number that are answered.About pageWho runs the business and what it does, in plain words.

Product pagesResearch-use-only statement on every productVisible near the price, not only in the footer.No wording about use in people or animalsRun each page through the wording checker.Lab reports linked per batchBatch number, test date, purity and lab name.Accurate descriptionsAmount per vial, form and storage, with prices that match checkout.No reviews or images that suggest personal useModerate reviews before they appear.

Checkout and operationsBuyer agreement at checkoutA checkbox the buyer must tick, with the agreement text saved per order.Order confirmation emailsWith order details, the research-use statement and support contact.Tracked shipping on every orderTracking numbers stored against each order.A written dispute processWho answers disputes, how fast, and what evidence you send.Expected monthly volume and average orderRealistic figures, with a note on how you arrived at them.

Every provider has its own list, and approval is never guaranteed. This covers what most high-risk underwriters ask for. It is general information, not legal or financial advice. The full walkthrough is in the guide how to get approved by a high-risk payment processor.

Build the approval pack in one click

Purity keeps your policies, lab reports, buyer agreements and order records together, and exports them as a pack an underwriter can read.

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Purity is back-office software for businesses that sell research-use-only materials. It does not make, review or support any claim about using a product in people or animals, and nothing on this site is legal advice.