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Industry guide · Underwriting Requirements

Healthcare and wellness merchant account requirements

Underwriting is not looking for a reason to say no. It is looking for enough evidence to say yes, and most delays are a missing document rather than a decision.

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25+ YEARS

of payment processing
experience

25+ YEARS

of payment processing
experience

Underwriting Requirements · Healthcare & Wellness

One organized file. Fewer surprises.

A complete, accurate file saves back-and-forth and helps partners make informed decisions.

01Verify the business and principals
02Collect industry-specific documents
03Present the complete transaction story

What we review

Practical details. Real context.

Owner identification and verifiable business details.
Bank and processing statements where available.
Products, delivery, refund and dispute policies.
Additional industry and licensing records as required.

We translate your business model into a clear application, anticipated risk review, required licenses, customer journey, financial records and fulfillment evidence.

Healthcare & Wellness workflow

Know the transaction before the rate.

01Store the card at booking
02Collect at the visit
03Bill the balance or plan
04Reconcile to the account

Documentation checklist

Build a complete submission.

Practice license and provider information
Service list and pricing
Refund and membership terms
Bank and processing statements

AltirasPay prepares and supports the file. The acquiring bank decides approval, pricing and terms.

Meet Pyper

Need help with the details?

Pyper can explain the steps, prepare questions for an expert and help you understand what comes next.

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How the money reaches you

Underwriting is reading a description of this path. The clearer it is, the less there is to ask about.

PATIENTSCHEDULING / PRACTICE SOFTWAREPAYMENT GATEWAYACQUIRING PARTNERSETTLEMENT

Running alongside: CARD ON FILE · RECURRING BILLING · TEXT-TO-PAY · HSA / FSA CARDS · PAYMENT PLANS · RECONCILIATION.

What gets built for healthcare & wellness

Patient Balance Collection

Text and email payment links and online statements, so patients can pay a balance without calling the office.

Memberships & Payment Plans

Recurring billing for memberships and agreed payment plans, with stored cards and clear receipts.

HSA / FSA Acceptance

Set up acceptance so eligible health spending cards can be used where the provider and the services qualify.

Elective & Wellness Services

Med spas, aesthetics, IV therapy and wellness programs often get closer review. We document the services, practitioners and refund terms so the file reads clearly.

Practice Software Connections

Connect payments to your scheduling and practice management software where integrations are available, keeping card data out of clinical records.

Tell Us How Patients Pay Today.

At the desk, after insurance, monthly or over a plan. That mix decides the structure.

The exact document list depends on the business rather than the industry, so we resolve it against what you tell us instead of sending everyone the same checklist. Pyper can give you yours in about a minute.

Applying commits you to nothing and is not an approval. The acquiring bank decides placement, pricing and terms — we build the file and tell you honestly what it is likely to meet.