Telemedicine Payment Processing — Merchant Service Depot

Telemedicine & Wellness Payment Processing

Your practice is licensed.
Getting approved
shouldn't feel illegal.

TRT Clinics HRT Clinics Weight Loss Practices IV & Infusion Hormone Optimization Wellness Practices Cash-Pay Medical

Processors flag cash-pay medical businesses without reading the application. We specialize in placing practices others decline — and we know exactly what your file needs before it goes in.

Get Your Practice Reviewed No upfront fees  ·  No commitment

The Problem

Processors decline first.
Ask questions never.

You run a licensed practice. You have patients, a real business model, and in most cases a clean processing history. None of that matters to an underwriter who sees "cash-pay medical" and flags the category before reading anything else.

TRT clinics get mistaken for compounding pharmacies. Weight loss practices get flagged as pharmaceutical distributors. IV and infusion businesses get declined because the service model doesn't fit standard underwriting boxes. Hormone therapy and wellness practices land in a gray zone that most banks don't want to touch.

3 days

is the typical approval timeline for licensed telemedicine and wellness practices through MSD — compared to weeks or months through standard banking channels.

Merchant Service Depot placement data, 2025

The problem isn't your practice. It's that most processors don't have the framework to evaluate what you actually do.

  • Application declined without review — category flagged automatically
  • Approved, then closed when volume grew or the risk team reviewed
  • Required to get LegitScript certification you don't actually need
  • Months into the search with no clear explanation of what's wrong

What We Do

We know the difference
between your practice
and what they think it is.

Merchant Service Depot places cash-pay medical and wellness practices with processors who understand the space. TRT, HRT, weight loss, IV infusion, hormone therapy, functional medicine — these are legal, licensed businesses. We know how to present them to underwriters who can actually approve them.

No LegitScript requirement for most practices. No 90-day waiting periods. Terms, reserves, and rates before you commit — not after you've signed and set up your whole checkout.

Through standard channels Through MSD
Declined — category flagged without review Evaluated on actual operations
LegitScript required — even when it isn't Most practices don't need it
Weeks or months to a decision Most decisions within 3 business days
Terms unclear until after setup is complete Rates and reserves before you sign
Closed when volume grew or risk team reviewed Relationships built to scale with you

The Process

Three steps.
No upfront fees.

Step one

Tell us about your practice

Practice type, monthly volume, current processing situation. Five minutes. No commitment.

Step two

We evaluate your actual operations

Not your category. Your practice — volume, history, structure, compliance. We find the right processing fit for what you actually do.

Step three

Clear terms, then you decide

Rates, reserve structure, and approval timeline before anything is signed. Most decisions come back within 3 business days.

Your practice deserves
a real review.

Not an auto-decline. A real underwriting conversation — with someone who knows what your business actually does.

Get Your Practice Reviewed

Why Practices Choose MSD

Specific claims.
Not general promises.

  • Most TRT, HRT, and wellness practices don't need LegitScript — we know which ones do
  • We evaluate practices on actual operations and compliance — not blanket category bans
  • Multiple processing relationships means we find the right fit for your specific practice type
  • Rates, reserves, and timeline are clear before you commit — no surprises three months in
  • We've placed cash-pay medical practices that went through standard channels and got declined
  • We stay reachable after you're live — because the most common complaint here is nobody answers after approval

Common Questions

Things you're probably
already wondering.

Do I need LegitScript to get approved?

No. Most TRT, HRT, weight loss, and wellness practices don't need it. LegitScript is primarily required for practices that dispense FDA-regulated prescription products directly. We'll tell you upfront whether it applies to your model.

How long does approval take?

Most decisions come back within 3 business days once your application is submitted. The full process — first conversation to live account — typically runs one to two weeks.

What if I'm already processing somewhere?

Apply while you're still live. Don't cancel your current processing until the new account is confirmed and ready. We'll walk you through the transition so there's no gap.

Get Started

Stop getting declined
for running a real practice.

If you've been turned away, stalled, or are just starting the search — let's look at your practice. One conversation. No cost. We'll tell you exactly what we can do.

No upfront fees  ·  No commitment  ·  We'll tell you what's real