Dedicated merchant accounts for dental DSOs, behavioral health groups, vet hospitals, med-spas, chiropractic groups, DME suppliers, and concierge practices — underwritten to the actual vertical, not the generic medical MCC.
Why do specialty practices need vertical-specific MIDs?
A generic medical MCC (8011) used by a med-spa, vet hospital, or behavioral health intensive outpatient program looks anomalous to the acquirer — volume patterns, ticket sizes, and dispute reasons do not match expectations and trigger freezes. Vertical MIDs (8021 dental, 0742 vet, 8050 nursing/personal care) are underwritten to the actual operating profile.
Which specialty verticals do we underwrite?
Dental (single-location, group, DSO), behavioral health (therapy, IOP, PHP, residential, telebehavioral), vet (clinic, hospital, ER, mobile), med-spa and aesthetics, chiropractic and PT, DME suppliers, concierge / DPC, fertility, audiology, optometry, and home health.
What is different about DSO and group-practice underwriting?
Multi-location groups need consolidated reporting, location-level MIDs (or a single MID with location tagging), and standardized integration to the same PMS across sites. We provision MIDs in bulk with shared underwriting, then surface per-location reporting in one dashboard.
What about cash-pay verticals like med-spa?
Cash-pay aesthetics, weight-loss, and concierge practices need tip support, package billing, and membership-style recurring revenue — none of which generic medical processors configure by default. Specialty MIDs ship with these workflows preconfigured.
Frequently asked questions
How fast can you get approved?
Most healthcare practices are approved within 24 hours of complete application submission. Specialty MIDs (dental DSO, behavioral health groups, DME) may take 48–72 hours while underwriting reviews trailing statements and licensure.
What does it cost?
Interchange-plus pricing — typically 2.4% + $0.10 per card transaction with no setup fee and no monthly minimum. ACH is 0.5–1.0%. You see interchange cost, assessments, and our markup on a single itemized statement.
Is the platform HIPAA-compliant?
Yes. We sign a BAA, tokenize all card and bank data before it touches your systems, and segregate PHI from payment metadata. EHR / PMS integrations move only the minimum necessary data for posting.