Merchant eligibility and what KLAUDE does.
A plain statement of who we can help, who we cannot, and where KLAUDE's role ends and the regulated partner's begins. Read this before applying; it saves everyone time.
What KLAUDE is
KLAUDE is a payment infrastructure and brokerage company operated by Klaude LLC. We prepare merchant applications, place them with acquiring banks, payment institutions, gateways and alternative-payment providers that have appetite for the merchant's category, and manage the relationship afterwards: approval rates, reserves, caps, disputes and backup routes.
What KLAUDE is not
We are not a bank, a licensed payment institution, an acquirer or a payment facilitator. We do not process transactions, hold client funds or issue merchant accounts. Every merchant account, gateway and payment method described on this site is provided by a regulated partner under that partner's agreement with you, after that partner's own KYC, AML and risk underwriting. KLAUDE is remunerated by those partners on placement; the application and the readiness review are free to the merchant.
Who is eligible to apply
- A registered legal entity with identifiable beneficial owners and a business bank account
- Products and services that are lawful to sell in every market the business serves, and licensed where a licence is required
- A website that is complete and consistent: terms, refund and shipping policies, privacy policy, contact details, accurate product descriptions
- A willingness to meet acquirer standards: reserves, caps, documentation, dispute management and change control
Businesses with a previous termination, a MATCH / TMF listing or no processing history can apply; the options are narrower and the application must be accurate about the history.
Who is not eligible
- Businesses selling products that are unlawful, controlled or prohibited by card-network rules in their markets
- Businesses that misrepresent their category, route volume through another entity's account, or ask for help doing so
- Sanctioned persons and entities, and businesses operating in sanctioned jurisdictions
- Businesses unwilling to provide ownership, product or financial documentation
Research peptide and research compound merchants
Our primary specialism. Eligibility requires a lawful, research-use-only catalogue with true compound names; no FDA-approved, prescription-only, clinical-stage-for-use or scheduled compounds; no human-use marketing anywhere; and the documentation listed in the peptide merchant account requirements. The peptide payment processing page describes the routes available.
What "approval" means
KLAUDE's eligibility assessment tells you what is realistic. It is not an approval. Approval is a decision of the acquiring or payment partner, made after its own underwriting, on its own terms. We do not guarantee approval, pricing, reserve levels or timelines, and we do not state a rate before a partner has issued terms.