Standard merchant processing
All cards. A domestic bank provider. ACH to your bank.
The most user-friendly way to take cards with BBWholesale. Customers get a familiar checkout, and you get paid by ACH in 1–4 days. No rolling reserve, no monthly minimum, and card to crypto stays on your account as an option and backup.
A normal card checkout. A normal bank deposit.
Processing runs through a domestic bank provider. It isn't Stripe processing.
Apply
Give us your business information and complete a credit check. Approval takes 1–2 business days.
Customers pay with any card
All cards are accepted in a familiar checkout, with no payment app or crypto for your customer to think about.
You get paid by ACH
Funds reach your bank account in 1–4 days.
What you need to qualify
Standard processing runs through a bank provider, so it has stricter requirements than card to crypto.
- A credit check
- Your business information
- A legal business name that meets the rule below
- MATCH-listed merchants
- Legal LLC or Inc names that include peptides, compounds or amino
If either applies to you, card to crypto accepts both.
Business name rule
As part of compliance, your legal business name can't include peptides, compounds or amino. This applies to the legal name of your LLC or Inc. A DBA with those words is OK.
Three numbers. No reserves.
No rolling reserve and no minimum monthly transactions.
Card to crypto vs. standard processing
Standard processing wins on customer experience and bank payouts. Card to crypto wins on speed, cost and access.
| Feature | Card to crypto | Standard processing |
|---|---|---|
| Customer checkout | Less user friendly. Customers pay by card through PayPal, Cash App or Venmo, with extra steps | More user friendly. All cards, in a familiar card checkout |
| Processed by | Third-party payment partners | A domestic bank provider (not Stripe) |
| How you get paid | Stablecoins to your Polygon wallet | ACH to your bank account |
| Payout speed | About 15 minutes | 1–4 days |
| Approval | Same day | 1–2 business days |
| Setup fee | None | $500 one time |
| Monthly fee | $100 network fee | $250 network and compliance fee |
| Per transaction | 4% | 8% |
| Rolling reserve | None | None |
| Monthly transaction minimum | None | None |
| Credit check | Not required | Required |
| Business information | Not required beyond the short sign-up form | Required |
| MATCH-listed merchants | Accepted | Not accepted |
| Legal business name | No word restriction | Legal LLC or Inc name can't include peptides, compounds or amino. A DBA with those words is OK |
| Member services | Included | Included |
| Card to crypto | This is the service | Included as an option and backup |
Approval and payout times are typical, not guaranteed. Every application is reviewed.
Estimate only. Standard processing also has a $500 one-time setup fee, not shown above. Card to crypto excludes blockchain gas or wallet fees outside BBWholesale.
Two ways to process. Every member service.
All standard merchants keep card to crypto as an option and backup service, so you have a second way to take payments.
- Wholesale pricing on 60+ SKUs, sold by the vial
- 3PL and dropshipping on every SKU
- RUO compliance updates
- Direct access to our support team
Standard processing questions
What is standard merchant processing?
Traditional card processing through a domestic bank provider. Customers pay with any card in a familiar checkout, and you're paid by ACH to your bank account in 1–4 days. It isn't Stripe processing.
What does it cost?
A $500 one-time setup fee, a $250 monthly network and compliance fee, and 8% of each transaction.
How long does approval take?
1–2 business days.
What do I need to apply?
A credit check and your business information.
Is there a rolling reserve or monthly minimum?
No. There's no rolling reserve and no minimum monthly transaction amount.
Can my business name include peptides, compounds or amino?
Your legal business name can't. As part of compliance, an LLC or Inc whose legal name includes peptides, compounds or amino isn't permitted. A DBA with those words is OK.
Can MATCH-listed merchants apply?
No. Standard processing doesn't accept MATCH-listed merchants, but card to crypto does.
Do I keep card to crypto?
Yes. All standard merchants keep card to crypto as an option and backup.
Do I still get member services?
Yes. All member services are still available. See membership benefits.
Talk to us about standard processing
Book a free consult and we'll walk you through the application.