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Date: Sat, 21 Mar 2026 13:06:27 -0400
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Subject: Fwd: Why Payment Processing Is Destroying Vendors in This Space
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---------- =46orwarded message ----------
=46rom: Derek from Peptide Price <derekpruski=40substack.com>
Date: Mar 21, 2026 at 7:54=E2=80=AFAM -0400
To: tjphuhs=40gmail.com
Subject: Why Payment Processing Is Destroying Vendors in This Space (A Ve=
ndor=E2=80=99s Perspective)

> One of the vendors in this space reached out to me and asked me to shar=
e this anonymously.
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> =46orwarded this email=3F Subscribe here for more
> Why Payment Processing Is Destroying Vendors in This Space (A Vendor=E2=
=80=99s Perspective)
> Derek
> Mar 21
>
> READ IN APP
>
> One of the vendors in this space reached out to me and asked me to shar=
e this anonymously. I think it=E2=80=99s important context for everyone h=
ere =E2=80=94 especially when you see vendors struggling with payment opt=
ions or going dark unexpectedly. This is a direct message from them, shar=
ed with permission:
> =E2=80=9CI am a vendor in this space, but I wanted to explain how insan=
e payment processing is in this industry and why we sincerely appreciate =
when you all choose ACH, debit, or Zelle-type payments.
> I=E2=80=99m in an online group with around 20 peptide vendors =E2=80=94=
 some smaller than us, some larger, but a good mix across the board.
> We=E2=80=99re less than a year old in this space, but not new to ecomme=
rce by any means. We=E2=80=99ve run and managed ecomm stores for nearly 2=
7 years. Our main business employs close to 100 people, so adding a pepti=
de vertical was logistically straightforward.
> Before we even launched, it took us nearly 45 days just to secure a pro=
cessor that accepted embedded credit cards at checkout. The rate we got w=
as not friendly =E2=80=94 9.5% per transaction, 10% reserves held for 270=
 days, plus fees on top of fees. That was the best available. We also add=
ed two gift card-to-credit solutions and one payment facilitator as backu=
ps.
> Within the first month, one gift card solution went down holding =243,5=
00. Our payment facilitator went down holding another =244,000. We still =
had two other solutions and ACH, so we kept moving.
> Then January hit. Our second gift card solution went down holding =2413=
,500. At that point we hadn=E2=80=99t seen any of the previous =2421,000 =
either.
> Mid-January we added a new embedded card solution. =46ebruary we added =
a third. Things looked good =E2=80=94 until end of =46ebruary/early March=
, when both went down. One is holding =24179,000 and claims they=E2=80=99=
ll pay us in six months. The other was holding =244,000.
> Early March we found two more embedded solutions. We started running on=
e as a backup =E2=80=94 four days in, they shut off all processing and ar=
e now holding =2460,000. No idea if we=E2=80=99ll ever see it. Today I go=
t an email from the other saying they=E2=80=99re having issues too and to=
 stop processing. They=E2=80=99re holding =24290,000.
> So in less than six months of business, we have =24554,000 held by proc=
essors, another =24290,000 held in bank reserves, and likely another =245=
00,000 sitting in standard 3=E2=80=937 day payout holds. We=E2=80=99re lo=
oking at close to =241.5 million dollars in limbo =E2=80=94 and we=E2=80=99=
re not sure if we=E2=80=99ll ever see most of it.
> Just another day as a vendor in this space. It isn=E2=80=99t for the we=
ak.=E2=80=9D
> I wanted to share this because a lot of you have asked why certain vend=
ors don=E2=80=99t always have card processing available, or why payment o=
ptions change without much warning. This is why. It=E2=80=99s not mismana=
gement =E2=80=94 it=E2=80=99s an industry-wide problem that hits every ve=
ndor regardless of size or how well-run the business is.
> When a vendor offers ACH, Zelle, or debit options and passes savings al=
ong for using them, that=E2=80=99s not a gimmick. It directly helps them =
hold onto cash that would otherwise be sitting in someone else=E2=80=99s =
hands for months =E2=80=94 or disappear entirely.
> Something worth keeping in mind next time you=E2=80=99re placing an ord=
er.
> =46or research use only, not for human consumption.
> Upgrade to paid
> You're currently a free subscriber to Peptide Price. =46or the full exp=
erience, upgrade your subscription.
> Upgrade to paid
>
> Share
>
>
> Like
> Comment
> Restack
>
> =C2=A9 2026 Derek Pruski
> 548 Market Street PMB 72296, San =46rancisco, CA 94104
> Unsubscribe

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<div name=3D=22messageReplySection=22>---------- =46orwarded message ----=
------<br />
<b>=46rom:</b> Derek from Peptide Price &lt;derekpruski=40substack.com&gt=
;<br />
<b>Date:</b> Mar 21, 2026 at 7:54=E2=80=AFAM -0400<br />
<b>To:</b> tjphuhs=40gmail.com<br />
<b>Subject:</b> Why Payment Processing Is Destroying Vendors in This Spac=
e (A Vendor=E2=80=99s Perspective)<br />
<br />
<blockquote type=3D=22cite=22><img src=3D=22https://eotrx.substackcdn.com=
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=3D=22=22 width=3D=221=22 height=3D=221=22 border=3D=220=22 style=3D=22he=
ight:1px =21important;width:1px =21important;border-width:0 =21important;=
margin-top:0 =21important;margin-bottom:0 =21important;margin-right:0 =21=
important;margin-left:0 =21important;padding-top:0 =21important;padding-b=
ottom:0 =21important;padding-right:0 =21important;padding-left:0 =21impor=
tant;=22 />
<div class=3D=22preview=22 style=3D=22display:none;font-size:1px;color:=23=
333333;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hi=
dden;=22>One of the vendors in this space reached out to me and asked me =
to share this anonymously.</div>
<div class=3D=22preview=22 style=3D=22display:none;font-size:1px;color:=23=
333333;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hi=
dden;=22>=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
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=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
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=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23=
160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=
=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD=
=CD=8F &=23160; =E2=80=87 =C2=AD=CD=8F &=23160; =E2=80=87 =C2=AD</div>
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19);margin: 0;font-family: 'S=46 Compact',-apple-system,system-ui,-apple-=
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ext-transform: uppercase;letter-spacing: .2px;=22><time datetime=3D=22202=
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acing=3D=220=22 cellpadding=3D=220=22>
<tbody>
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0;text-decoration: none;color: rgb(119,119,119);min-width: 38px;box-sizin=
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stackcdn.com/image/fetch/=24s=5F=21PeVs=21,w=5F36,c=5Fscale,f=5Fpng,q=5Fa=
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ng: border-box;width: 38px=22><img class=3D=22icon=22 src=3D=22https://su=
bstackcdn.com/image/fetch/=24s=5F=21x1tS=21,w=5F36,c=5Fscale,f=5Fpng,q=5F=
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<td align=3D=22center=22><a class=3D=22email-icon-button=22 href=3D=22htt=
ps://substack.com/app-link/post=3Fpublication=5Fid=3D3365367&amp;post=5Fi=
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0,0,0,.1);border-radius: 9999px;text-transform: uppercase;font-size: 12px=
;line-height: 1;padding: 9px 0;text-decoration: none;color: rgb(119,119,1=
19);min-width: 38px;box-sizing: border-box;width: 38px=22><img class=3D=22=
icon=22 src=3D=22https://substackcdn.com/image/fetch/=24s=5F=21=5FL14=21,=
w=5F36,c=5Fscale,f=5Fpng,q=5Fauto:good,fl=5Fprogressive:steep/https%3A%2=46=
%2=46substack.com%2=46icon%2=46LucideShare2%3=46v%3D4%26height%3D36%26fil=
l%3Dnone%26stroke%3D%2523808080%26strokeWidth%3D2=22 width=3D=2218=22 hei=
ght=3D=2218=22 style=3D=22border: none;vertical-align: middle;max-width: =
18px=22 alt=3D=22=22 /></a></td>
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acing=3D=220=22 cellpadding=3D=220=22>
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<td align=3D=22center=22><a class=3D=22email-icon-button=22 href=3D=22htt=
ps://substack.com/redirect/2/eyJlIjoiaHR0cHM6Ly9vcGVuLnN1YnN0YWNrLmNvbS9w=
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e=3Dsubstack&amp;utm=5Fmedium=3Demail=22 style=3D=22font-family: system-u=
i,-apple-system,BlinkMacSystem=46ont,'Segoe UI',Roboto,Helvetica,Arial,sa=
ns-serif,'Apple Color Emoji','Segoe UI Emoji','Segoe UI Symbol';display: =
inline-block;font-weight: 500;border: 1px solid rgb(0,0,0,.1);border-radi=
us: 9999px;text-transform: uppercase;font-size: 12px;line-height: 1;paddi=
ng: 9px 0;text-decoration: none;color: rgb(119,119,119);min-width: 38px;b=
ox-sizing: border-box;width: 38px=22><img class=3D=22icon=22 src=3D=22htt=
ps://substackcdn.com/image/fetch/=24s=5F=215EGt=21,w=5F36,c=5Fscale,f=5Fp=
ng,q=5Fauto:good,fl=5Fprogressive:steep/https%3A%2=46%2=46substack.com%2=46=
icon%2=46Note=46orwardIcon%3=46v%3D4%26height%3D36%26fill%3Dnone%26stroke=
%3D%2523808080%26strokeWidth%3D2=22 width=3D=2218=22 height=3D=2218=22 st=
yle=3D=22border: none;vertical-align: middle;max-width: 18px=22 alt=3D=22=
=22 /></a></td>
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<table role=3D=22presentation=22 width=3D=22auto=22 border=3D=220=22 cell=
spacing=3D=220=22 cellpadding=3D=220=22>
<tbody>
<tr>
<td style=3D=22vertical-align:middle;=22>
<table role=3D=22presentation=22 width=3D=22auto=22 border=3D=220=22 cell=
spacing=3D=220=22 cellpadding=3D=220=22>
<tbody>
<tr>
<td align=3D=22center=22><a class=3D=22email-button-outline=22 href=3D=22=
https://open.substack.com/pub/derekpruski/p/why-payment-processing-is-des=
troying=3Futm=5Fsource=3Demail&amp;redirect=3Dapp-store&amp;utm=5Fcampaig=
n=3Demail-read-in-app=22 style=3D=22font-family: system-ui,-apple-system,=
BlinkMacSystem=46ont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif,'Apple =
Color Emoji','Segoe UI Emoji','Segoe UI Symbol';display: inline-block;fon=
t-weight: 500;border: 1px solid rgb(0,0,0,.1);border-radius: 9999px;text-=
transform: uppercase;font-size: 12px;line-height: 12px;padding: 9px 14px;=
text-decoration: none;color: rgb(119,119,119);=22>
<div class=3D=22email-button-spacer=22 style=3D=22font-size: 16px;line-he=
ight: 26px;display: inline-block;vertical-align: middle;max-width: 0;min-=
height: 18px;=22></div>
<span class=3D=22email-button-text=22 style=3D=22vertical-align: middle;m=
argin-right: 4px=22>READ IN APP</span><img class=3D=22icon text-icon=22 s=
rc=3D=22https://substackcdn.com/image/fetch/=24s=5F=21ET-=5F=21,w=5F36,c=5F=
scale,f=5Fpng,q=5Fauto:good,fl=5Fprogressive:steep/https%3A%2=46%2=46subs=
tack.com%2=46icon%2=46LucideArrowUpRight%3=46v%3D4%26height%3D36%26fill%3=
Dnone%26stroke%3D%2523808080%26strokeWidth%3D2=22 width=3D=2218=22 height=
=3D=2218=22 style=3D=22min-width: 18px;min-height: 18px;border: none;vert=
ical-align: middle;margin-right: 0;margin-left: 0;max-width: 18px=22 alt=3D=
=22=22 /></a></td>
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</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr height=3D=2216=22>
<td height=3D=2216=22 style=3D=22font-size:0px;line-height:0;=22>&=23160;=
</td>
</tr>
</tbody>
</table>
</div>
</div>
<div class=3D=22post typography=22 dir=3D=22auto=22 style=3D=22--image-of=
fset-margin: -120px;padding: 32px 0 0 0;font-size: 16px;line-height: 26px=
;=22>
<div class=3D=22body markup=22 dir=3D=22auto=22 style=3D=22text-align: in=
itial;font-size: 16px;line-height: 26px;width: 100%;word-break: break-wor=
d;margin-bottom: 16px;=22>
<p style=3D=22margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;f=
ont-size: 16px;margin-top: 0;=22>One of the vendors in this space reached=
 out to me and asked me to share this anonymously. I think it=E2=80=99s i=
mportant context for everyone here =E2=80=94 especially when you see vend=
ors struggling with payment options or going dark unexpectedly. This is a=
 direct message from them, shared with permission:</p>
<div class=3D=22captioned-image-container-static=22 style=3D=22font-size:=
 16px;line-height: 26px;margin: 32px auto;=22>
<figure style=3D=22width: 100%;margin: 0 auto;=22>
<table class=3D=22image-wrapper=22 width=3D=22100%=22 border=3D=220=22 ce=
llspacing=3D=220=22 cellpadding=3D=220=22 data-component-name=3D=22Image2=
ToDOMStatic=22 style=3D=22mso-padding-alt: 1em 0 1.6em;=22>
<tbody>
<tr>
<td style=3D=22text-align: center;=22></td>
<td class=3D=22content=22 align=3D=22left=22 width=3D=221456=22 style=3D=22=
text-align: center;=22><a class=3D=22image-link=22 target=3D=22=5Fblank=22=
 href=3D=22https://substack.com/redirect/4be6b436-5745-41dc-9b16-ebce0b23=
3e69=3Fj=3DeyJ1IjoiNGl3b2U2In0.sVDxRtmZ85v8kfdamY0krRXGMy3p768BWtuZifRB-Z=
s=22 rel=3D=22=22 style=3D=22position: relative;flex-direction: column;al=
ign-items: center;padding: 0;width: auto;height: auto;border: none;text-d=
ecoration: none;display: block;margin: 0;=22><img class=3D=22wide-image=22=
 data-attrs=3D=22=7B&quot;src&quot;:&quot;https://substack-post-media.s3.=
amazonaws.com/public/images/a43ab457-6c7b-4325-bb6b-c39ec5d00ec6=5F1536x1=
024.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null=
,&quot;imageSize&quot;:null,&quot;height&quot;:971,&quot;width&quot;:1456=
,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:3104644,&quot;alt&quot;:n=
ull,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;h=
ref&quot;:null,&quot;belowThe=46old&quot;:false,&quot;topImage&quot;:true=
,&quot;internalRedirect&quot;:&quot;https://derekpruski.substack.com/i/19=
1666107=3Fimg=3Dhttps%3A%2=46%2=46substack-post-media.s3.amazonaws.com%2=46=
public%2=46images%2=46a43ab457-6c7b-4325-bb6b-c39ec5d00ec6=5F1536x1024.pn=
g&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offse=
t&quot;:false=7D=22 alt=3D=22=22 width=3D=22550=22 height=3D=22366.792582=
4175824=22 src=3D=22https://substackcdn.com/image/fetch/=24s=5F=21Icat=21=
,w=5F1100,c=5Flimit,f=5Fauto,q=5Fauto:good,fl=5Fprogressive:steep/https%3=
A%2=46%2=46substack-post-media.s3.amazonaws.com%2=46public%2=46images%2=46=
a43ab457-6c7b-4325-bb6b-c39ec5d00ec6=5F1536x1024.png=22 style=3D=22border=
: none =21important;vertical-align: middle;display: block;-ms-interpolati=
on-mode: bicubic;height: auto;margin-bottom: 0;width: auto =21important;m=
ax-width: 100% =21important;margin: 0 auto;=22 /></a></td>
<td style=3D=22text-align: center;=22></td>
</tr>
</tbody>
</table>
</figure>
</div>
<div style=3D=22font-size: 16px;line-height: 26px;=22>
<hr style=3D=22margin: 32px 0;padding: 0;height: 1px;background: rgb(0,0,=
0,.1);border: none;=22 /></div>
<p style=3D=22margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;f=
ont-size: 16px;=22><em>=E2=80=9CI am a vendor in this space, but I wanted=
 to explain how insane payment processing is in this industry and why we =
sincerely appreciate when you all choose ACH, debit, or Zelle-type paymen=
ts.</em></p>
<p style=3D=22margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;f=
ont-size: 16px;=22><em>I=E2=80=99m in an online group with around 20 pept=
ide vendors =E2=80=94 some smaller than us, some larger, but a good mix a=
cross the board.</em></p>
<p style=3D=22margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;f=
ont-size: 16px;=22><em>We=E2=80=99re less than a year old in this space, =
but not new to ecommerce by any means. We=E2=80=99ve run and managed ecom=
m stores for nearly 27 years. Our main business employs close to 100 peop=
le, so adding a peptide vertical was logistically straightforward.</em></=
p>
<p style=3D=22margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;f=
ont-size: 16px;=22><em>Before we even launched, it took us nearly 45 days=
 just to secure a processor that accepted embedded credit cards at checko=
ut. The rate we got was not friendly =E2=80=94 9.5% per transaction, 10% =
reserves held for 270 days, plus fees on top of fees. That was the best a=
vailable. We also added two gift card-to-credit solutions and one payment=
 facilitator as backups.</em></p>
<p style=3D=22margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;f=
ont-size: 16px;=22><em>Within the first month, one gift card solution wen=
t down holding =243,500. Our payment facilitator went down holding anothe=
r =244,000. We still had two other solutions and ACH, so we kept moving.<=
/em></p>
<p style=3D=22margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;f=
ont-size: 16px;=22><em>Then January hit. Our second gift card solution we=
nt down holding =2413,500. At that point we hadn=E2=80=99t seen any of th=
e previous =2421,000 either.</em></p>
<p style=3D=22margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;f=
ont-size: 16px;=22><em>Mid-January we added a new embedded card solution.=
 =46ebruary we added a third. Things looked good =E2=80=94 until end of =46=
ebruary/early March, when both went down. One is holding =24179,000 and c=
laims they=E2=80=99ll pay us in six months. The other was holding =244,00=
0.</em></p>
<p style=3D=22margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;f=
ont-size: 16px;=22><em>Early March we found two more embedded solutions. =
We started running one as a backup =E2=80=94 four days in, they shut off =
all processing and are now holding =2460,000. No idea if we=E2=80=99ll ev=
er see it. Today I got an email from the other saying they=E2=80=99re hav=
ing issues too and to stop processing. They=E2=80=99re holding =24290,000=
.</em></p>
<p style=3D=22margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;f=
ont-size: 16px;=22><em>So in less than six months of business, we have =24=
554,000 held by processors, another =24290,000 held in bank reserves, and=
 likely another =24500,000 sitting in standard 3=E2=80=937 day payout hol=
ds. We=E2=80=99re looking at close to =241.5 million dollars in limbo =E2=
=80=94 and we=E2=80=99re not sure if we=E2=80=99ll ever see most of it.</=
em></p>
<p style=3D=22margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;f=
ont-size: 16px;=22><em>Just another day as a vendor in this space. It isn=
=E2=80=99t for the weak.=E2=80=9D</em></p>
<div style=3D=22font-size: 16px;line-height: 26px;=22>
<hr style=3D=22margin: 32px 0;padding: 0;height: 1px;background: rgb(0,0,=
0,.1);border: none;=22 /></div>
<p style=3D=22margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;f=
ont-size: 16px;=22>I wanted to share this because a lot of you have asked=
 why certain vendors don=E2=80=99t always have card processing available,=
 or why payment options change without much warning. This is why. It=E2=80=
=99s not mismanagement =E2=80=94 it=E2=80=99s an industry-wide problem th=
at hits every vendor regardless of size or how well-run the business is.<=
/p>
<p style=3D=22margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;f=
ont-size: 16px;=22>When a vendor offers ACH, Zelle, or debit options and =
passes savings along for using them, that=E2=80=99s not a gimmick. It dir=
ectly helps them hold onto cash that would otherwise be sitting in someon=
e else=E2=80=99s hands for months =E2=80=94 or disappear entirely.</p>
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