Telehealth and med spa merchant accounts

Banks treat anything near a prescription as pharmaceutical risk. Licensed providers with clear service descriptions and honest package terms underwrite well.

Why banks decline telehealth and med spa

• The card networks classify telemedicine and pharmacy-adjacent models as integrity-risk categories, and some models require third-party certification before an acquirer will onboard them.
• Prepaid packages and memberships produce refund disputes when the terms were vague.
• Outcome marketing draws both regulators and chargebacks.

What we need from you

Underwriting reads the site before it reads the application. Have these ready and a complete application goes live in 24 hours.

• Provider licenses and the entity's registration
• Service descriptions without outcome claims
• Package and membership terms that say what is refundable and when
• Third-party certification where your model requires it; we tell you before underwriting whether yours does
• A billing descriptor that matches the clinic name
• Formation documents and an EIN or your country's equivalent
• Owner identification (a passport is fine; no SSN needed for non-US owners)
• A voided check or bank letter for the settlement account
• Processing and chargeback history from your current processor, if you have one
• Published refund, shipping and privacy policies, and terms that match how you actually bill

What you get

• An account registered correctly for the category, so the model you run is the model the bank approved.
• Memberships and packages on a vault under your name.
• Routing across more than one merchant account where volume justifies it.
• Settlement in two business days.

What we cannot support

Saying it here saves you an application.

• Prescribing without the licenses the jurisdiction requires
• Models that require certification the clinic does not hold
• Marketing with outcome or cure claims

Questions telehealth and med spa merchants ask

Do you process telehealth?

Yes, for licensed providers. Some telehealth models require third-party certification before onboarding; we tell you which lane applies before underwriting.

Can I sell packages and memberships?

Yes, with terms that say what is refundable and when. Vague package terms are the main dispute source in this category.

Will there be a reserve?

Sometimes, depending on the model and history. It is stated in the offer.

What about in-person card payments?

The account covers card-present as well as online where your setup needs it; tell us in the application.