SARMs operators

Payment processing built for SARMs operators.

SARMs is the single hardest vertical in consumer processing. Stripe, Square, Adyen, Braintree, Authorize.net — blanket declines, every time. You are not looking for another "maybe it will stick this quarter" processor. You are looking for a stable parent ledger with specialty acquirer routing that actually knows the compounds on your catalog. That is what multiflow is.

Rate band for this vertical
6.5 – 7.5% per transaction
+ setup fee · interchange passthrough
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48 hours Underwriter decision SLA
$25k – $600k Monthly volume we fit best
< 0.8% Target chargeback ratio maintained

What's costing you money right now

Three pain points
we actually solve.

01 · Pain point

90-day processor rotation

You are on your fourth processor this year. Each one lasts 60-90 days before shutdown. You lose Apple Pay every time. multiflow routes through specialty acquirers that underwrite the SARMs vertical as a first-class business, not a loophole.

02 · Pain point

No consolidated reporting

Ostarine on one processor, Cardarine on another, stack bundles on a third. Reconciling monthly is a full-time job. Parent-level ledger means one CSV, one P&L, one chargeback report across the whole catalog.

03 · Pain point

Descriptor misfires trigger disputes

Customer bought from YourBrand, statement reads "MERCH*processor-misc". Chargeback incoming. multiflow enforces per-sub-brand descriptors with customer service number + email, so statements match checkout.

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12 questions · no hard pull · underwriter reply in 24-48 hours

I had been burned by four processors in eighteen months. multiflow put us on one parent account and we have not had a freeze since. Per-brand descriptors solved the chargeback bleeding overnight.

Operator
SARMs operators 6.5 – 7.5% per transaction 4-brand SARMs catalog · $320k/mo

Partners + acquirers we route through

Specialty acquirer #1 Specialty acquirer #2 Apple Pay Google Pay ACH via Plaid

Before you apply

Answers
to the five things you're wondering.

01 Can you approve SARMs at all?
Yes, through specialty acquirers that underwrite the vertical. We do not route SARMs through Stripe, Square, or any generalist — those are blanket-banned. The acquirers we work with require compliant product pages (research-only disclaimers, COA-per-batch, age gate, shipping restrictions on regulated states).
02 What about prohormones / peptide crossover catalogs?
Common mixed catalogs (SARMs + peptides + research chemicals) can live on one parent ledger assuming the acquirer has approved the mix. We will flag during underwriting if any SKUs force you onto a separate sub-account.
03 What rate should I expect?
SARMs operators land between 6.5% and 7.5% per transaction + setup fee. Interchange is passthrough. Volume above $300k/mo negotiates down toward the 6.5% floor.
04 How fast until I can process again?
If you are applying fresh (not mid-freeze recovery), 10 business days to first live transaction. If you are actively frozen on a generalist, we prioritize your underwriting — fastest on record is 6 business days.
05 Do I keep my existing checkout?
Yes. multiflow is a payment router, not a platform migration. Shopify, WooCommerce, BigCommerce, custom — all supported. We install a drop-in checkout pixel and route charges through the approved acquirer.

Stop leaking money
to a processor that wasn't built for you.

Apply once. Route every brand through one parent ledger. Underwriter-reviewed inside 48 hours. No hard pull, no obligation.

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Processor shutdowns, reserve-hold playbooks, reconciliation lessons, and the merchant-account decisions that save operators six-figure years. Delivered to your inbox — never spam.

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