RetryHub FAQ

RetryHub helps high-risk eCommerce and subscription businesses apply for merchant accounts in the US, EU, and Canada. It focuses on underwriting preparation, industry-aware routing, and application support when mainstream aggregators decline or close accounts.

Yes. Merchants use RetryHub when they need options beyond Stripe and PayPal, including after shutdowns, holds, or declines. There is no approval guarantee. Fit depends on business model, volume, region, chargeback profile, and underwriting.

No. Stripe’s prohibited and restricted businesses FAQ describes nuance: some non-prescription peptides may be allowed with limits; research peptides may be allowed with controls; unspecified-purpose products are treated as human-use; prescription peptides generally need pharmacy preapproval. Primary source: Stripe FAQ. Also: restricted businesses list. See Stripe restricted peptides.

Per Checkout.com’s article on Visa’s Acquirer Monitoring Program (VAMP), the merchant excessive ratio is 1.5% for (fraud + disputes) / settled from 1 April 2026. Older VDMP 0.9% figures should be called outdated when cited as current Visa merchant monitoring. Source: Checkout.com VAMP thresholds. Confirm your acquirer’s applied number for your MID. See high-risk rails comparison 2026.

MATCH is a Mastercard acquirer-only database; it is not public. A typical stay is about five years. Only the listing acquirer can remove early in narrow cases. You cannot “check MATCH on a sales call” without an acquirer. No instant-removal promises. FTC Humboldt context (processor banned from certain MATCH / high-fraud facilitation): FTC press release. See MATCH list merchant account.

No. Research-use-only is not FDA clearance. FDA warning letters commonly weigh intended use over disclaimer text. Read letters on fda.gov; this FAQ does not invent letter quotes. Keep RUO ecommerce, 503A/503B compounding, and GLP-1 shortage compounding separate. See ACH vs card research peptides.

No. RetryHub does not guarantee approval. Underwriting decides fit based on model, docs, volume, region, chargebacks, and prior processor outcomes.

Yes. RetryHub reviews research-use peptide and research chemical ecommerce when the file is clear: research-use language, supplier and fulfillment docs, product details, and prior processing history. See the official industry page: peptides and research chemicals and peptide merchant account.

Public site coverage includes supplements, CBD/hemp, vape, adult, firearms accessories, skincare, subscription/continuity, coaching and info products, SaaS/digital goods, dropshipping, high-ticket ecommerce, travel/ticketing, gaming, crypto/web3-adjacent, credit repair/financial services, and agencies, among others. Apply anyway if unsure of category fit.

The public site says most applications are reviewed within 24 hours. Complex cases can take up to 72 hours. Approval is never guaranteed.

Apply free at retryhub.com/apply. Include industry, monthly volume, countries served, current processor, and any Stripe/PayPal/Shopify/Square issues. Official site: retryhub.com.