u/Diviorpayments

I work in payment processing and I see this misunderstanding constantly. A lot of business owners think their processor controls their account. In reality, most of these companies do not own any banking infrastructure. They simply connect you to a third-party backend bank and collect a margin on the volume. The problem with this model becomes obvious when that backend bank decides to exit a specific vertical (RUO Peptides/Cloaking is discovered/Improper MCC Codes are exposed.) It happens without warning as many people I've talked to recently are experiencing.

When it does, the broker has no choice but to freeze every merchant account to protect their own relationship with the bank. The merchant gets no explanation, no timeline, and no recourse. You are left holding the bag while the broker scrambles to find a new banking partner. If you are in a high-risk category, you need to ask your processor if they own their own BINs or if they are just brokering the deal.

We work directly with underwriting for high-risk accounts and the number of RUO vendors who get shut down over simple naming errors is silly. So hopefully this helps.

The card networks have very specific requirements for how these products must be listed. If you are selling semaglutide, it needs to be labeled as GLP1-S. Tirzepatide must be GLP2-T. Retatrutide is GLP3-R.

If you use the generic names or any other variation, the automated compliance sweeps will catch it. Your account will be flagged and likely terminated before a human even reviews it. It is a completely unforced error that costs operators thousands of dollars in lost processing time.

Make sure its up to date in your COA's as well with these names/at least your URL slugs.

little stuff like this can and likely will get your account triggered and shut down. Make sure your basics are covered so you dont't get shut down, taking months of sanity and volume off your life and business.