Dedicated healthcare underwriting
Real underwriters who know healthcare risk, not a one-size-fits-all algorithm. We set clear expectations up front, before you apply.
Why MedPay
Specialist underwriting for merchants generic processors won't touch
Aggregators approve you in minutes, then freeze your funds the moment a healthcare MCC or chargeback spike trips their rules. We do the opposite — we underwrite your business as a business, with people who understand your vertical.
Multiple banking relationships
With 45+ acquiring and processor integrations, we match your risk profile to the right bank instead of forcing you through a single acquirer.
Smart multi-processor routing
Route transactions across multiple MIDs to protect approval ratios, balance volume, and keep payments flowing if one acquirer has an issue.
Chargeback & fraud tooling
Pre-transaction screening, dispute alerts, and representment workflows help keep ratios under network thresholds — and your account healthy.
Developer-first APIs
A documented REST API, hosted checkout, virtual terminal, tokenization, webhooks, and a sandbox so your engineers integrate once and scale.
Transparent, fast process
Typical underwriting decisions in as little as 24–72 hours for complete applications, with a named point of contact through go-live.
Who we serve
A merchant account for every hard-to-place vertical
Been labeled "high risk"? That label doesn't have to mean declined. Pick your industry to see how we support it.
We also serve
Medical ecommerceHealthcare membership programsFunctional medicineConcierge medicineWellness companiesRemote patient monitoringMedical billing companiesMedicare supplement agenciesClinical research organizationsMedical device companies
The platform
One payment gateway, every way your patients pay
Accept cards, wallets and ACH; automate recurring billing; and give your developers a clean API and sandbox — all under one settlement and reporting layer.
Accept every payment type
- Credit cards & debit
- Apple Pay & Google Pay
- ACH via the Nacha network
- Card-present & card-not-present
Billing & checkout
- Recurring billing & subscriptions
- Hosted checkout pages
- Virtual terminal for phone orders
- Shopping cart integrations
Risk & protection
- Chargeback management
- Fraud prevention & screening
- Tokenization & vaulting
- Multi-processor routing
Build & operate
- Developer API & webhooks
- Documentation & sandbox
- Merchant dashboard & reporting
- Daily settlement & next-day funding*
*Next-day funding depends on your approved banking partner, batch cut-off times, and risk profile.
Competitive, transparent pricing
Pricing is set by your processing history, average ticket, volume, and chargeback ratio — not a single flat rate. We quote honestly after underwriting, with no surprise reserves buried in fine print.
MedPay vs. generic processors
Why generic processors fail healthcare merchants
How it works
Get approved in three steps
A transparent process with clear underwriting expectations — so you always know where your application stands.
01
Apply & submit documents
Complete the secure application and upload your incorporation docs, voided check or bank letter, and recent processing statements. A complete file means a faster decision.
02
Underwriting & approval
Our underwriters review your business and match you to the right banking partner. We come back with a decision — or a short list of what we need — typically within 24–72 hours.
03
Integrate & go live
Connect via API, hosted checkout, virtual terminal, or a shopping-cart plugin using our docs and sandbox. Start accepting payments with reporting from day one.
Typical approval timeline
Day 0
Application received
Day 0–1
Document review
Day 1–3
Underwriting decision
Day 3+
Integration & go-live
Compliance-first by design
Security and compliance in every transaction
Healthcare payments demand more than a checkout button. MedPay is engineered around card-brand and banking standards so your data — and your patients' — stays protected.
- PCI DSS Level 1 certified. We maintain PCI DSS Level 1 — the highest level of payment-security certification. Cardholder data is tokenized and vaulted so sensitive numbers never touch your servers, reducing your PCI scope.
- EMV & tokenization. Modern encryption and network tokens protect card-present and card-not-present payments alike.
- HIPAA-aware flows. We minimize and segregate protected health information in payment flows and can discuss a BAA where your integration requires one.
- Card network & ACH standards. Built for Visa, Mastercard, American Express, and Discover rules, plus ACH under the Nacha network.
Why merchants trust MedPay
Experience
Hands-on work placing healthcare and high-risk merchants across telemedicine, pharmacy, DME, insurance, and B2B research.
Expertise
Specialists in underwriting, MCC classification, chargeback strategy, and payment-orchestration engineering.
Authority
A platform built directly on card-brand, banking, and ACH standards — not reselling a single black-box aggregator.
Trustworthiness
Transparent underwriting expectations, honest pricing conversations, and clear risk guidance from day one.
Nationwide coverage
Healthcare payment processing across all 50 states
Whether you need healthcare payment processing in Florida, telemedicine merchant accounts in Texas, or DME credit card processing on the West Coast, our underwriting and banking relationships have you covered.
FloridaTexasCaliforniaNew YorkGeorgiaNevadaArizonaIllinoisNorth CarolinaSouth CarolinaTennesseeVirginiaOhioPennsylvaniaAll 50 states
Free guide
The Healthcare Merchant Approval Checklist
The exact documents, disclosures, and processing history that get applications approved faster — and the red flags that get them declined.
Questions & answers
Healthcare merchant account FAQ
Clear answers to the questions merchants ask most.