For high-risk & restricted-category merchants

The label that
freezes everyone else.

Research peptides, supplements, nutra, continuity — the categories a single acquirer drops without warning. Nummaria spreads your volume across rails you own and produces the compliance evidence a processor review asks for.

We route to accounts you own — and never make the approval decision. Your processor underwrites every account.

Before checkout · enforced server-side

Confirm before you continue

A research-use-only gate that runs before the cart — the wording is locked and cannot be weakened.
I am 21 or older.
I am a qualified researcher purchasing for in vitro / laboratory use only.
Research use only · not for human consumption · disclaimer cannot be removed
Verify & continue
Each affirmation is signed and sealed to a tamper-evident ledger.

The high-risk reality
01

One acquirer, one flag

A single specialist account carries your whole storefront. A review, a spike, a category flag — and checkout goes dark without warning.

02

Priced for the category

High-risk verticals pay 10–15% to specialist PSPs. The rate reflects the label, not the health of your business.

03

Nothing to show at review

When a processor asks for evidence your controls were in place at the time of each sale, "we're careful" is not an answer.

The door is open — conditionally

Stripe doesn't ban research peptides. It sets a condition.

Major processors leave a door open for research-use-only peptides — when preventive measures are demonstrably in place. That one phrase is the whole game.

support.stripe.com/questions/prohibited-and-restricted-businesses-list-faqs Pharmaceutical & peptides · FAQ
Peptides that are for research purposes may be sold on Stripe as long as there are preventive measures in place to ensure these are not accessible to those who would purchase research chemicals for non-research purposes.
— Stripe, Prohibited & Restricted Businesses — FAQs · read the source ↗

Nummaria is independent and not affiliated with, endorsed by, or a partner of Stripe. “Stripe” is a trademark of Stripe, Inc.

Preventive measures, operationalized

Nummaria is that condition, built into checkout

Every control maps to the standard: restrict access to genuine research counterparties, and produce evidence those measures were in place at the moment of each sale.

The standard

“Preventive measures in place.” A storefront that sells openly doesn't meet it. One that demonstrably restricts access — on the record, on every order — is built to.

Researcher-verification gate

Before anyone can browse or buy, they affirm they are 21+ and a qualified researcher purchasing for lab use only. Enforced server-side; the wording is locked.

Signed intended-use attestation

Each buyer signs an intended-use attestation tied to their identity — a per-buyer signature on every account, not a one-time banner.

Sealed, tamper-evident ledger

Every attestation is stored cryptographically sealed and time-stamped, so an altered record is detectable — proof the measures were in place at the moment of a sale.

Continuous compliance monitoring

An automated weekly scan grades the storefront and flags human-use, dosing, and medical claims — on a schedule and on demand, so the controls stay in place after launch.

Locked RUO & age wording

Research-use-only, not-for-human-consumption, and 21+ language is fixed and always enforced — a store cannot quietly remove the disclaimers the condition depends on.

You stay merchant of record

Cards run on the merchant's own Stripe, wired so you stay the merchant of record and the fee is set server-side. Nummaria routes to it — it never becomes the middleman.

Why one rail is a trap

Approval is not the finish line. Staying live is.

Even an approved high-risk account can be reviewed, frozen, or dropped. If that account is your whole checkout, one decision ends trading. Nummaria spreads volume across pay-by-bank, bank transfer, invoicing and your own card account — so no single processor holds your survival.

Distributed by default

Cards are one slice of the mix, never the whole business.

Automatic reweight on freeze

A rail goes dark; its weight drops to zero and checkout keeps offering the rest.

Every route, an account you own

Money lands in your bank, your Stripe, your wallet. We decide the path, never the destination.

Beyond peptides

Built for the categories that get the high-risk label

Lawful businesses that carry category risk — where distribution and evidence matter most.

Research peptides (RUO) Supplements & nutra Continuity & subscription High-ticket coaching Nutraceuticals Regulated retail*

* Support depends on your processor's own rules and your jurisdiction. Nummaria orchestrates between rails — it does not override any processor's policy.

The evidence a review asks for

The Compliance Pack

A weekly scored storefront scan, a researcher-verification gate, and a signed attestation ledger — the record a processor review wants to see.

  • Weekly scan with a scoreYour storefront is scanned every week and scored, with flagged lines and a trend you can hand over.
  • Researcher-verification gateA human researcher verifies findings before they enter the record. No unchecked automated claims.
  • Signed attestation ledgerEvery scan and affirmation is written to a tamper-evident, signed ledger — durable evidence at review time.
Compliance scoreThis week
88 of 100
Good standing
1 line to review
+9 over 6 weeks
Flagged lines
  • “dosage” wording on one product page
  • RUO & 21+ disclaimers present sitewide
  • No human-use or medical claims found
  • Verification gate enforced at checkout
Weekly trend12 weeks
Attestation ledgersigned
  • a3f9…e21Buyer attestationsealed
  • 7c1b…9d4Wk 12 scansealed
  • e02a…4f7Buyer attestationsealed

Stop betting the business on one approval

Distribute the risk, prove the controls, keep trading. One plugin, every rail, evidence on every order.

What this does not mean

  • Nummaria is independent. It is not affiliated with, endorsed by, sponsored by, or a partner of Stripe or any payment processor. “Stripe” is a trademark of Stripe, Inc.
  • No guarantee of approval. These controls do not guarantee that any processor will approve your account, keep it open, or prevent misuse. Your payment processor underwrites and decides every account.
  • You remain responsible for describing your business truthfully and for keeping your storefront free of any human-use, dosing, or medical claims.
  • Peptide support is for the lawful, business-to-business sale of research-use-only peptides to qualified research counterparties. Nummaria is software and compliance infrastructure — not a bank, payment processor, law firm, or medical or regulatory authority.