Recurring billing supports memberships through gateways such as Authorize.net and USAePay.
High-risk merchant account
Telemedicine Merchant Accounts for Subscription Telehealth Platforms
Telehealth gets classified high-risk the moment prescription issuance and membership billing meet online payment volume, and mainstream rails respond by freezing the account. A clean record and a low dispute rate do not protect you, because the trigger is the category, not your behavior. Midnight Payments underwrites the care model, prescription flow, and billing cadence before approval, not after a hold on your money.
$0 monthly fees
1,600+ U.S. businesses served
15+ years in merchant services
$400M+ monthly processing volume
Shutdown pattern
Prescription telehealth can trigger mainstream processor freezes.
Mainstream rails are wary of prescription telehealth, especially when membership billing and state-specific rules meet online payment volume. When they cut you off, the stopgap processors you fall back on hold your settlements in a rolling reserve and sit on your funds during compliance reviews. The money is yours, but they have access to it and you do not. Telemedicine underwriting should understand the care model, prescription flow, licensing footprint, and billing cadence before approval, so your funds keep moving instead of getting frozen.
A prescription-platform shutdown can arrive with a MATCH or TMF listing that blocks the next account. see your MATCH or TMF options.
If the current processor is already expensive, unstable, or holding funds, start with a statement review. The useful comparison is what determines your rate against the costs you are already paying.
Get PricingCapability proof
Membership billing for telehealth platforms
Telemedicine payments usually mix subscriptions, single-visit consults, and prescription-platform risk. The account has to handle all three clearly.
HIPAA-aware review and state telehealth licensing are expected parts of the documentation path.
Single-visit online payments can run alongside memberships when the model is disclosed.
Gateways
Authorize.net / NMI / USAePay / PayTrace
Related processing capabilities for this page:
Process
How approval review works.
Apply or send a statement
Start with the merchant requisition, or use a current processing statement to anchor the review.
Underwriting reviews the actual risk
Your vertical, online payment model, chargeback profile, compliance overlay, and processing history are reviewed together.
Approval terms are compared clearly
The terms are evaluated against your current setup, with $0 monthly fees, no long-term contract, and daily ACH settlement kept visible.
Gateway setup and go live
Authorize.net, NMI, USAePay, and PayTrace options cover ecommerce, subscriptions, B2B payments, and reporting needs.
Application docs
What you will need for review.
Documents vary by risk profile, but every application starts with the business basics and then adds category-specific proof.
Standard documents
- Completed merchant requisition form
- W9
- ABA/routing number, account number, and settlement name on account
- Business license
Telemedicine add-ons
- State telehealth licensing
- HIPAA compliance attestation
- Prescription-platform compliance documentation if the platform issues Rx
- 3 months of prior processing statements
FAQ
Telemedicine merchant account FAQ.
These answers are specific to telemedicine. For cross-cutting approval, pricing, reserve, and gateway questions, see the full FAQ.
Can you process a prescription-issuing telehealth platform?
Yes. Prescription-issuing platforms can be reviewed when licensing, compliance, and fulfillment details are documented.
Are you HIPAA-aware?
Yes. HIPAA-aware handling is part of the telemedicine underwriting posture.
Do you support membership and subscription billing?
Yes. Membership and subscription billing are common telehealth models and can be reviewed for recurring processing.
Will Ryan Haight or state telehealth licensing affect approval?
Yes. Prescription-platform rules and state licensing can affect underwriting and required documentation.
Can you process single-visit consultations and memberships on one account?
Yes, when both payment flows are disclosed and reviewed as part of the same business model.
Can I get approved after a Stripe shutdown?
Yes. A Stripe shutdown is a common reason telehealth platforms look for high-risk online processing. The shutdown is triggered by the category, not by anything you did wrong, so a clean record and low disputes are not held against you. We underwrite the model up front and settle daily, so the goal is a stable account that keeps your funds moving instead of another reserve that freezes them.
Are there monthly fees?
No. Midnight Payments uses a $0 monthly fee posture.
How fast is settlement?
Settlement is handled through daily ACH funding once the account is live.
Get reviewed
Put telehealth billing on a processor that understands the care model before approval.
Share your vertical, monthly volume, current processor status, and any recent statements. Midnight Payments will route the review toward a merchant account fit for the actual risk.