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Health & wellness

Case by case

Telemedicine and online pharmacy payment processing

Remote prescribing puts a licensure and pharmacy-verification question in front of the payments question. Both get underwritten together.

Commonly assigned MCC

8011 · 8099 · 5912

The category actually assigned is set at boarding and can differ from these.

Reviewed

The short version

Telehealth built a legitimate industry on a model acquirers spent years associating with rogue pharmacies. The distinction that matters at underwriting is documentary: which physicians, licensed in which states, prescribing through which pharmacy.

Where a subscription sits on top — as it does for most consumer telehealth — the dispute profile of continuity billing applies on top of the clinical questions.

What is actually being priced

What underwriting is looking at.

State licensure is per state

A physician licensed in one state prescribing into another is the failure acquirers look for first.

Pharmacy verification

The dispensing pharmacy's licensure and, where relevant, its accreditation forms part of the file.

Subscription disputes

Recurring clinical subscriptions produce the same delayed-dispute pattern as any continuity offer, with added sensitivity around descriptors.

What their lists say

Stripe, Square and PayPal on telehealth & pharmacy.

Their own published policies, quoted verbatim and dated, next to where the category stands with our acquiring partners.

Stripe

Restricted · approval required

“Telemedicine and telehealth services”

'Online pharmacies, including SaaS platforms' are also listed as restricted.

Square

Prohibited

“internet/mail order/telephone order pharmacies or pharmacy referral services”

PayPal

Restricted · approval required

“Telemedicine Services — Providing medical services and consultations in a remote fashion.”

'Prescription Items' also require pre-approval.

Dash Process

Case by case

Standard program for telehealth; a specialist acquirer where the prescribing model requires it.

What we ask for

In the product

What your application looks like from your side.

The same five stages we publish on the site, a named contact, and the document list for telehealth & pharmacy in one place — received, requested, or not needed.

How it works
Meridian Botanicals/Application
Sandbox
  1. Apply
  2. Underwriting
  3. Approve
  4. Integrate
  5. Live

Underwriting in progress

Acquiring review · Telemedicine and online pharmacy program · MCC 8011

In review

Documents · 3 of 4 received

  • Physician licensure by state and your prescribing workflowReceived
  • Dispensing pharmacy details and accreditationReceived
  • Patient intake and consent flowReceived
  • Subscription terms and cancellation pathRequested
Illustrative · figures are fictional, not a quote

What we put in place

  • A standard acquiring program for telehealth; a specialist acquirer where the prescribing model requires it
  • Discreet descriptor configuration for sensitive categories
  • Recurring billing with account updater to cut involuntary churn
  • Chargeback alerts wired to pause fulfillment before a dispute posts

What underwriting will ask you for

Assemble these before you apply anywhere. The list does not get shorter by waiting, and having it ready is the single biggest thing you control about how long this takes.

  • Physician licensure by state and your prescribing workflow
  • Dispensing pharmacy details and accreditation
  • Patient intake and consent flow
  • Subscription terms and cancellation path
Why each document is on the list

Questions

About telehealth & pharmacy.

Models where a licensed clinician makes the prescribing decision, the pharmacy is licensed in the states it ships to, and the consultation is documented. Some models sit outside the standard program and go to a specialist acquirer who writes them. The first call sorts which is which.

Tell us about your telehealth & pharmacy business.

We will tell you which of our acquiring partners writes it and what your file needs before it goes anywhere.