1. Decide which peptide business you are starting
"Peptide store" means three different businesses, and most guides mix them together.
- Research-use-only stores sell lyophilized compounds to researchers, labelled for laboratory research and not for human consumption. This is what the rest of this guide covers.
- Clinics and telehealth offer peptides through a licensed provider and a pharmacy. That is a medical practice with its own rules.
- Skincare and supplements use cosmetic or dietary ingredients. Different products, different rules, different payment options.
Pick one. The company setup, the wording on the site and the payment providers that will work with you all depend on which of the three you are.
2. Do the steps in this order
Most delays come from doing the right things in the wrong order. The usual mistake is building the website first and finding out afterwards that a payment processor wants changes to it.
1. Company and bank account.
Form the company and open a business account.
You.2. Payment application.
Apply early. Approval takes the longest and is not in your control.
You and the processor.3. Supplier and certificates.
Choose who makes the product and get a certificate for every lot.
You.4. Storefront and backend.
Build the store your customers see and the admin you run it from.
You, or RUObuilt5. Email.
Order emails first, then follow-up flows.
You, or RUObuilt6. Test orders and launch.
Place real test orders before you send anyone to the site.
You.Steps 2, 3 and 4 can overlap. What cannot move is the payment approval, so start it as soon as the company exists.
3. Set up the company and banking
You need a registered business, a tax ID and a business bank account before a processor or a supplier will take you seriously.
- Form the company. Most people use an LLC. Filing fees and annual fees vary by state.
- Get an EIN from the IRS. It is free and you can do it online.
- Open a business bank account in the company's name. Tell the bank what you sell. An account opened under a vague description can be closed later.
- Keep the business and your personal money separate from day one.
The same legal name should appear on the bank account, the payment application, the domain registration and the website footer. Mismatched names are a common reason applications stall.
4. Choose a supplier and get a certificate for every lot
Your supplier decides more about your store than your website does.
- Ask for a certificate of analysis for each lot, from an independent lab, showing purity and identity.
- Ask how lots are numbered and whether that number is printed on the vial.
- Ask about lead times, minimum orders and what happens when a lot fails testing.
- Order samples and have them tested yourself before you commit.
Then make the certificates easy to find. A customer should be able to type the lot number from a vial into your site and see the certificate for exactly that lot.

Where we come in. Your catalog is loaded with research-framed copy and a certificate for every lot, and the lot lookup is built into the store. On our Launch and Flagship builds we also introduce you to suppliers.
5. Apply for payment processing early
Standard checkout providers often decline this category. Most research peptide stores use a payment processor that accepts higher-risk businesses, and those processors review your business before they approve it.
What a reviewer usually looks at:
- The legal entity, its owners and the bank account.
- The website itself: what you sell, how it is described, and whether the research-use wording is clear and consistent.
- Your policy pages: terms, privacy, shipping and refunds.
- A working contact method and a real business address.
What to expect:
- Rates are higher than standard card processing, and the processor sets them.
- Many accounts hold back a share of sales as a reserve for a period of time. Get the terms in writing.
- Approval is the processor's decision. Nobody else can guarantee it, including whoever builds your site.
Because the reviewer reads the website, a processor may ask for wording changes. That is normal. It is also why the application and the build should run side by side instead of one after the other.
Where we come in. We build the store to the processor's published policy and give you a written policy check. On our Launch and Flagship builds we also introduce you to a processor. The approval is theirs to give.

