Payment Gateway Compliance

Build the most compliant research-materials brand possible

A complete site-building guide for merchants, designers, developers, and AI agents preparing a store for processor review.

Plan This With Your AI Agent

Copy this full guide as an implementation prompt, then open your preferred AI tool and paste it in. The prompt asks the AI to audit or rebuild the merchant site around the compliance standard below.

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Executive Standard

The site must read like a legitimate supplier of analytical-grade biochemical reference standards and laboratory research materials. It must not read like a supplement store, peptide therapy clinic, wellness brand, bodybuilding store, weight-loss brand, anti-aging brand, pharmacy, telehealth operation, or consumer health destination.

Every public page should reinforce the same processor-ready story: qualified research customers, in-vitro research, analytical method development, lot-level documentation, clear restrictions against human/animal use, and no medical, therapeutic, dosing, injection, or consumer outcome claims.

Processor Positioning Target

The target processor classification is:

MCC 5169 - Chemicals and Allied Products

Use this core business description consistently:

We supply analytical-grade biochemical reference standards and laboratory research materials to qualified research customers. Materials are intended exclusively for in-vitro research, analytical method development, identity verification, and laboratory evaluation. Products are not intended for human or animal consumption, therapeutic use, clinical use, diagnostic use, dietary supplementation, dosing, injection, ingestion, or administration of any kind.

This wording should appear, with minor brand-specific edits, on the homepage, About page, footer, Terms, checkout acknowledgment, and compliance page.

Required Public Site Signals

  • Research-use-only positioning: the site clearly says products are for laboratory research only.
  • In-vitro scope: the site says materials are for in-vitro research, analytical method development, identity verification, or laboratory evaluation.
  • Qualified buyer positioning: buyers are researchers, laboratories, academic institutions, biotech companies, contract research organizations, or other qualified research customers.
  • Not-for-consumption language: every relevant page says products are not for human or animal consumption.
  • No administration language: pages say products are not for ingestion, injection, dosing, administration, therapeutic use, clinical use, or diagnostic use.
  • CoA and testing references: product pages and compliance pages reference Certificates of Analysis, lot-level testing, or third-party analytical documentation.
  • Business transparency: legal entity, support email, support phone, support URL, shipping policy, refund policy, and terms are visible.
  • Age/qualified-use gate: the buyer must acknowledge age and research-use restrictions before checkout.

Forbidden Positioning

Remove these from product pages, category pages, homepage copy, ads, blogs, FAQs, reviews, image alt text, metadata, and schema markup.

  • Peptide therapy, hormone optimization, wellness clinic, patient outcomes, or medical-use framing.
  • Weight loss, fat loss, appetite suppression, anti-aging, healing, injury recovery, libido, erectile, fertility, muscle growth, tanning, sleep, mood, cognition, or performance claims.
  • Dosage, dosing, protocols, cycles, stacks, regimens, reconstitution instructions, injection instructions, syringe references, route-of-administration language, or storage instructions that imply human use.
  • Customer testimonials about outcomes, before/after results, reviews discussing effects, or “works great” style product reviews.
  • Medical disclaimers that imply consumer medical relevance, such as “not medical advice,” “consult your doctor,” or “diagnose/treat/cure/prevent disease” language used in a consumer context.
  • Retail urgency language that makes the site feel like a consumer supplement shop: “shop now,” “sale,” “you save,” “best seller,” “fat burner,” “transformation,” “anti-aging formula,” or “performance boost.”

Restricted Product Rules

The platform blocks restricted products before checkout is created. Do not include these in the catalog, menus, metadata, search pages, footer links, blog posts, collections, or hidden products.

  • SARMs and SARM-related product names.
  • Viagra, Cialis, tadalafil, sildenafil, and erectile-dysfunction product names.
  • Ozempic and GLP/GIP weight-loss product naming, including semaglutide and tirzepatide references.
  • Retatrutide consumer framing, aliases, weight-loss claims, dosing/injection language, or approved-drug comparisons. See the dedicated Retatrutide formatting guide for the narrow research-material presentation standard.
  • Enclomiphene.
  • Methylene blue.
  • Needles, syringes, alcohol pads, injection supplies, BAC-water positioning that instructs reconstitution or administration, or any injection-adjacent supplies.
  • Any pill, capsule, tablet, softgel, gummy, oral supplement, or consumer supplement product.

Site Architecture

A compliant site should have these pages before applying:

  • Homepage: concise research-materials positioning, not consumer benefits.
  • Catalog: product cards with neutral procurement language, no outcomes or claims.
  • Product pages: identity, purity, lot documentation, intended research scope, restrictions, and CoA access.
  • Compliance page: research-use policy, qualified buyer policy, prohibited use, documentation standards, and restricted-product policy.
  • Terms of sale: buyer representations, prohibited use, no resale for human/animal use, and right to cancel non-compliant orders.
  • Shipping policy: fulfillment timing, carriers, package documentation, and no misleading consumer supplement language.
  • Refund/returns policy: clear handling for damaged, lost, or incorrect shipments.
  • Contact/support page: support email, phone, business name, and support hours.
  • CoA/documentation page: sample CoA and explanation of lot-level testing.

Homepage Copy Template

[Brand Name] supplies analytical-grade biochemical reference standards and laboratory research materials to qualified research customers. Materials are intended exclusively for in-vitro research, analytical method development, identity verification, and laboratory evaluation.

Products are not intended for human or animal consumption, therapeutic use, clinical use, diagnostic use, dietary supplementation, dosing, injection, ingestion, or administration of any kind.

Each product is supported by lot-level documentation, including Certificate of Analysis access where available.

Product Page Template

Product Name
Analytical-grade biochemical reference material for laboratory research use only.

Intended Use
This material is supplied for in-vitro research, analytical method development, identity verification, and laboratory evaluation by qualified research customers.

Documentation
Lot-level documentation and Certificate of Analysis access are available for review.

Restrictions
Not for human or animal consumption. Not for therapeutic, clinical, diagnostic, dietary supplement, dosing, injection, ingestion, or administration use.

Buyer Acknowledgment
By ordering, the buyer confirms qualified research use and agrees not to use the material for human or animal consumption or administration.

Do not add dosage, reconstitution, route-of-administration, benefits, outcome claims, or user reviews.

Product Card Language

Prefer procurement language over retail language.

Use

  • View documentation
  • Add to research order
  • Review lot details
  • Research material
  • Lot documentation available

Avoid

  • Shop now
  • Sale
  • You save
  • Best seller
  • Buy more, save more

Footer Template

[Legal Entity] d/b/a [Brand Name] supplies analytical-grade biochemical reference standards and laboratory research materials. All materials are sold exclusively for laboratory research and analytical use by qualified research customers. Products are not for human or animal consumption, therapeutic use, clinical use, diagnostic use, dietary supplementation, dosing, injection, ingestion, or administration.

Checkout Requirements

  • Require a checkbox confirming qualified research use.
  • Require acknowledgment that products are not for human or animal consumption.
  • Require acknowledgment that products are not for administration, injection, ingestion, dosing, clinical, therapeutic, or diagnostic use.
  • Block restricted product keywords before payment initiation.
  • Do not expose policy toggles to merchants in the plugin or SDK.
  • Keep processor keys server-side on the platform only.
I confirm that I am purchasing these materials exclusively for qualified laboratory research or analytical use. I will not use these materials for human or animal consumption, therapeutic use, clinical use, diagnostic use, dietary supplementation, dosing, injection, ingestion, or administration.

Metadata, SEO, and Structured Data

Processors and automated reviewers may evaluate metadata, not just visible page copy. Audit:

  • Page titles and meta descriptions.
  • Open Graph and Twitter card metadata.
  • Image alt text.
  • Product schema and category schema.
  • Sitemap URLs and hidden collection names.
  • Search result snippets generated by plugins.
  • Blog categories, tags, and internal search pages.

All metadata should use research-material language and avoid health, wellness, therapy, benefits, or consumer outcomes.

Visual and UX Rules

  • Use a technical, laboratory, documentation-forward visual style.
  • Avoid body transformation imagery, clinic imagery, syringes, medical scenes, supplement bottles, gym imagery, scales, before/after photos, or human outcome visuals.
  • Emphasize documentation, lot records, analytical testing, lab notebooks, neutral packaging, and support channels.
  • Remove star ratings, reviews, influencer content, testimonials, and user-result narratives.
  • Do not show dosage calculators, reconstitution calculators, administration instructions, or usage guides.

Operational Evidence

Prepare these before onboarding:

  • Sample Certificate of Analysis URL.
  • Shipping label example showing research-use framing, if available.
  • Legal entity name and DBA.
  • Support email and support phone.
  • Business mailing address or credible support/contact presence.
  • Refund policy and shipping policy.
  • Terms of sale with qualified-buyer and prohibited-use language.

AI Agent Build Prompt

Give this to an AI site builder before it edits or creates the merchant website:

You are building a highly compliant ecommerce site for a supplier of analytical-grade biochemical reference standards and laboratory research materials. The target processor classification is MCC 5169, Chemicals and Allied Products.

The site must read like a laboratory research-materials supplier, not a supplement store, wellness brand, clinic, pharmacy, peptide therapy site, weight-loss site, anti-aging brand, or consumer health store.

Required positioning:
- Analytical-grade biochemical reference standards.
- Laboratory research materials.
- Qualified research customers.
- In-vitro research, analytical method development, identity verification, and laboratory evaluation.
- Not for human or animal consumption.
- Not for therapeutic, clinical, diagnostic, dietary supplement, dosing, injection, ingestion, or administration use.
- CoA or lot-level documentation available.

Forbidden content:
- Medical, therapeutic, wellness, patient, doctor, clinic, prescription, dosing, injection, reconstitution, administration, supplement, oral-use, weight-loss, anti-aging, healing, recovery, libido, performance, bodybuilding, or consumer outcome claims.
- Customer reviews, testimonials, before/after results, influencer language, star ratings, or “works for me” content.
- Pill, capsule, tablet, syringe, needle, alcohol pad, BAC-water instruction, SARM, ED drug, GLP/GIP weight-loss product, Retatrutide consumer framing, enclomiphene, or methylene blue catalog content.

Build these pages:
1. Homepage with research-materials positioning.
2. Catalog with neutral procurement language.
3. Product page template using intended research scope, CoA, and restriction blocks.
4. Compliance page with qualified buyer and prohibited-use policy.
5. Terms of sale.
6. Shipping policy.
7. Refund policy.
8. Contact/support page.
9. CoA/documentation page.

Before finishing, audit visible copy, metadata, image alt text, product schema, category names, footer text, checkout labels, and hidden collection names for prohibited consumer/medical language.

Final Pre-Application Checklist

  • Homepage uses analytical-grade reference-material language.
  • Every product page has research-only and not-for-consumption language.
  • No dosage, injection, reconstitution, cycles, stacks, or human-use instructions exist anywhere.
  • No consumer benefit claims exist anywhere.
  • No restricted products or restricted product names exist in catalog, categories, metadata, or hidden pages.
  • CoA/testing references are visible.
  • Qualified buyer acknowledgment exists before checkout.
  • Terms, shipping, refund, contact, and compliance pages are live.
  • Legal entity and support contact are visible.
  • External payment, crypto, or anonymous payment references are removed unless explicitly approved.