The 15 things underwriters check before approving a research peptide merchant account — based on what banks decline and what the FDA has cited in recent warning letters. Check off what your site already does and see where you stand.
Product Pages & Copy
Catalog
Checkout & Customers
Business & Policies
Why this matters: in its August 2026 warning letter to a Texas peptide seller, the FDA cited product descriptions that talked about weight loss, blood sugar, and arousal — and bacteriostatic water sold for reconstitution — even though the site said “research use only.” Underwriters read sites the same way.
Get Started
Want Us To Check It For You?
Send your URL and product list. We’ll review it against what RUO underwriters look for and send you a specific fix list — free.