Strata
New Setup fee waived for merchants doing $500K+/mo

Built in layers,
so you never go dark.

Card processing for the merchants banks won't touch. Apply in 30 seconds, get a decision from a real specialist in 24 hours, and go live.

Submit Application — 30 Seconds
Pricing

One setup fee. One rate.
No surprises.

Pick the gateway you want to run on. Every plan is a one-time setup fee — no monthly minimums, no hidden platform cut.

Doing $500K+ a month? The setup fee is on us.

Clear $500,000 in monthly processing volume and we waive the one-time setup fee entirely — on either gateway, either signer.

Check your volume

Every merchant is underwritten before approval. Rates shown are the standard published rates.

The options you have today

Two ways to take payments.
Both break.

To accept cards, almost every peptide store ends up at one of two banks. Here's the plain truth about what each one does to you.

Offshore bank

  • ✕Only about half of cards go through (45–60%). You lose the rest of your sales, so ads never scale.
  • ✕Takes Visa and Amex only. Mastercard and Discover shoppers can't check out.
  • ✕Card networks can fine the bank up to $250,000. When that happens, the bank grabs your money to cover it.
  • ✕You wait about a week to get paid.
  • ✕They hold a big chunk of your money for 180 days as a "reserve."

Domestic bank

  • ✕Same traps: Visa and Amex only, the same $250K fines, a week to get paid, and money held for 180 days.
  • ✕The day they decide you're "too risky," they shut you off with no warning.
  • ✕Then they put you on the MATCH list — a blacklist that banks share with each other.
  • ✕Once you're on it, almost no one will process for you again. It's a ticking time bomb.
  • ✕You can lose everything overnight — your sales, your held money, and your whole business.

Both roads end in the same place: frozen money, lost sales, and the fear of being cut off.

Under the hood

One checkout.
Everything beneath it, handled.

Your checkout. Layered.

Your storefront doesn't change. Beneath it, we stack independent acquiring rails and route each transaction to the one most likely to approve it.

  • Rotating Cloak Mechanism
  • Cascade on decline — retried, not lost
  • Apple Pay, Google Pay, all four card brands
  • Hosted checkout, or your own via REST API
Drops into
Magento REST API
Your checkout route Rail 01 Rail 02 Rail 03 declined standby Approved Cleared to settlement

Your money. Released.

No bank sits between you and your revenue. Settlement clears on a fixed schedule to a wallet you hold — so there's nothing for anyone to sit on.

  • Settles in USDT, straight to your wallet
  • Fixed payout schedule — not "when they feel like it"
  • Reserves agreed at underwriting, in writing
  • No hidden 180-day rolling hold
Settles in
USDT USD BTC
Captured Settlement batch on schedule Your wallet Reserve · agreed released, not kept 180-day hold not a thing here

Your disputes. Absorbed.

Chargebacks get caught and answered before they compound into a ratio problem — by a team that does this all day, not a ticket queue that answers next week.

  • $0 chargeback fee — on every plan
  • Dedicated dispute team, not a support form
  • Dedicated refund team
  • Ratios watched so they never threaten the account
Reachable on
Telegram Email Direct line
Dispute filed alert Dispute team Evidence filed Represented won back Chargeback fee $0 Your ratio held under threshold
Built by operators

We built this because we needed it.

We run our own brand in one of these industries. We've been frozen with no warning, MATCH-listed, and left on hold while our payouts sat locked. So we stopped waiting for a bank to save us — and built the rails we wished we'd had.

When we say we get it, we mean it. We're merchants first, a processor second.

Our promise to you

  • ●No surprise freezes. Redundant rails mean one bank's decision can't end your business.
  • ●No ghosting. A real specialist you can reach — not a ticket that sits for weeks.
  • ●No trapped money. Clear payouts in USDT, with no 180-day holds.
Getting started

From application to live — in days, not weeks.

01

Apply

One short form. No commitment, no long paperwork.

30 seconds
02

Get approved

A specialist reviews your business and matches you to the right rails.

24 hours
03

Connect

Plug Strata into your store or checkout — we help you wire it up.

Same day
04

Go live

Start taking cards across every rail, and get paid on schedule.

You're live
Who Strata is for

If they can't handle your model,
you're our merchant.

These are the high-risk industries we take on. Peptides are our home base — we run them ourselves — but if you sell in any of the categories below, we can get you processing.

Our specialty
Research compounds

RUO Peptides

Research-use only, no human claims

Vapor

Vape & eCig

Devices, e-liquids, disposables

Smoke shop

Smoking Accessories

Pipes, papers, grinders, gear

Licensed Rx

Online Pharmacy

Licensed, verified pharmacies

Nutraceuticals

Supplements

Capsules, powders, subscriptions

Botanicals

Herbal Products

Extracts, tinctures, botanicals

Men's wellness

Men's Enhancement

Libido, performance, ED support

Lifestyle

Adult Wellness

Content, cam & subscriptions

You're a fit if

  • ✓$50K+/month in processing volume — or on track within 90 days
  • ✓Legitimate operations: real inventory, real customers, real business
  • ✓Your product is legal in the markets where you sell it

We don't work with

  • ✕Products illegal or prohibited in your markets
  • ✕Traffic built on deception, fake reviews, or misleading claims
  • ✕Operators who cut corners and expect us to absorb the risk
Talk to us

Not ready to apply?
Message a real person.

No ticket queue. No contact form that vanishes into a void. One Telegram handle, answered by a specialist who knows your account — usually within the hour.

@stratapay Message us on Telegram — usually answered within the hour
Before you apply

The questions every burned operator asks.

Are you going to freeze me like the others did?
A freeze happens when a single bank decides it's done with you. Strata isn't a single bank — your volume sits on multiple independent acquirers at once. If one rail pulls back, traffic shifts to the others in under six seconds and your checkout stays open. That's the entire reason the system is layered.
How long are funds held, and what reserve do you take?
Your reserve is set at underwriting, in writing, before you process a dollar — typically low and transparent. There's no hidden 180-day rolling hold. Payouts run T+2 on Monday, Wednesday, and Friday, settled in USDT to your wallet.
What does it actually cost?
A one-time setup fee, plus a processing rate quoted after underwriting based on your volume, ticket size, and chargeback history. Chargeback fees are $0 on every plan, and the setup fee is waived entirely once you're clearing $500K+ a month. You'll see the full number before you sign anything.
I'm already on the MATCH list. Am I done?
Not necessarily. MATCH closes domestic doors, not ours — we underwrite the business, not the listing. Tell us why you were listed and what's changed. If the operation is legitimate, we can usually still get you placed.
Why USDT instead of a bank wire?
Because a wire can be held, reversed, or frozen by an intermediary bank that doesn't like your MCC. USDT settles straight to a wallet you control, on schedule, with no third party sitting between you and your revenue.
How much volume do I need to qualify?
$50K+ per month, or a credible path to it within 90 days. Below that, the layered rail structure costs more to maintain than it returns — and we'd rather tell you that up front than onboard you into a bad fit.
Apply now

Stop building your business
on someone else's permission.

One short form, 30 seconds. A real specialist reviews it and comes back within 24 hours. No commitment.

Submit Application — 30 Seconds