Health & wellness
Telemedicine merchant accounts, placed with banks that write the category.
Needs a bank that writes the category on purpose. Roughly 5–10 business days, a dedicated gateway, and usually a reserve.
The underwriting objection
Why banks flinch at this category.
Telehealth sits at the intersection of healthcare, HIPAA and — when prescriptions are involved — pharmacy regulation, with rules that differ by state. Subscription care plans add recurring billing on top. Banks are less worried about chargebacks here than about regulatory exposure, so licensing documentation carries the file.
Recommended setup
- Gateway
- High-risk gateway with subscription engine, vault and tokenization
- Settlement rail
- Card-not-present primary, ACH for care plans
- Reserve expectation
- Modest rolling reserve typical
- Equipment
- API or hosted page inside your patient portal
What we actually do
How we get this file boarded and keep it boarded.
Specific to your category — not a generic high-risk brochure.
State licensure and prescribing-model documentation prepared for underwriting
PCI-scoped, HIPAA-aware payment flow that keeps card data out of your clinical systems
Care-plan subscription billing with clear terms and self-service cancellation
ACH and HSA/FSA card acceptance where the plan and service type qualify
The process
Four steps, no mystery.
For telemedicine, the honest window is: 7–10 business days; prescribing models take the long end.
- 1
Call or send the form
Fifteen minutes. We confirm the category is one we can place and tell you which documents matter for your file specifically.
- 2
Document package
You gather statements, IDs and any category paperwork. This is the step that decides your timeline — a complete package moves fast.
- 3
Multi-bank submission
We submit to the banks that write your category, in the order most likely to approve on the best terms. Declines get diagnosed, not repeated.
- 4
Board and monitor
Gateway configured, equipment shipped or checkout integrated, chargeback alerts on. Then we watch your ratio and go back for better terms once history proves out.
Accounts placed through our processor and banking network
Free statement analysis
Get a telemedicine account underwritten properly.
One application, submitted to the banks that write your category. If your current account is frozen or at risk, tell us on the form and we will work speed first.
Terrab Solutions is a registered agent/ISO partner. Rates and approval subject to underwriting. Estimates are not a binding quote.
Straight answers
Telemedicine questions
7–10 business days; prescribing models take the long end
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