Telemed + TRT clinics

Payment processing built for telemed + TRT clinics.

You run a telehealth TRT or HRT clinic: intake → lab work → provider consult → compounded prescription → monthly maintenance. Your billing spans consult fees, lab fees, Rx fees, and subscription maintenance. Stripe flags TRT as high-risk. Square rejects Schedule III compound shipments entirely. multiflow routes telehealth compounding through specialty acquirers with HIPAA-compatible billing, compounding pharmacy split-payouts, and recurring subscription support for maintenance plans.

Rate band for this vertical

5.5 – 7.0% per transaction

+ setup fee · licensed-clinic documentation required · interchange passthrough

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$75k – $3M Monthly clinic revenue

Auto-split Clinic + pharmacy + platform on settlement

HIPAA-adjacent PCI scope outside PHI · BAA available

What's costing you money right now

Three pain points
we actually solve.

01 · Pain point

Testosterone is Schedule III — processors panic

Generalist processors either blanket-ban TRT or require monthly license re-verification. Specialty acquirers underwrite licensed telehealth as a first-class vertical. multiflow handles the license documentation handoff once during onboarding, not monthly.

02 · Pain point

Compounding pharmacy split is manual

Patient pays $250 for their monthly. $80 goes to the pharmacy, $120 to clinic, $50 to telehealth platform. Most clinics reconcile this weekly by hand. Parent-level split-on-settlement lands each share in the correct bank automatically.

03 · Pain point

HIPAA + PCI scope collision

PHI on one system, PCI data on another, and a compliance officer pulling their hair out. multiflow's PCI scope stays outside PHI — we never touch diagnosis, prescription, or chart data. BAA available on enterprise tier.

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12 questions · no hard pull · underwriter reply in 24-48 hours

Four clinic locations, two compounding pharmacies, one platform. multiflow handles the three-way split on every transaction. Our revenue ops person reconciled 40 hours a week — now it is four.

Director of ops

Telemed + TRT clinics 5.5 – 7.0% per transaction multi-state TRT telehealth · $920k/mo

Partners + acquirers we route through

Specialty telehealth acquirer BAA available (enterprise) PCI-DSS Level 1 Apple Pay Google Pay HSA/FSA card support

Before you apply

Answers
to the five things you're wondering.

01 Do I need a telehealth license on file?

Yes. Specialty acquirers require state telehealth license documentation during underwriting. Multi-state operations document per state. We collect once and store for acquirer compliance.

02 Can HSA/FSA cards be used for TRT?

If the diagnosis supports medical necessity (hypogonadism, menopause, etc.), HSA/FSA cards process at the point of sale. Non-medical necessity (anti-aging purely cosmetic) typically does not qualify — same as every other processor.

03 How does the clinic + pharmacy split work?

Parent-level split-on-settlement defines the percentage or fixed-fee routing to clinic bank, pharmacy bank, and platform fee per transaction type. Split enforces at settlement, not manual reconciliation.

04 What about GLP-1 compounding (semaglutide / tirzepatide)?

Compounded GLP-1 is the fastest-growing telehealth vertical and also the hardest to underwrite right now due to FDA drug-shortage-list volatility. Acquirers underwrite compounded GLP-1 on case-by-case basis — we walk through your state-license map and compounding partner agreements during intake.

05 Can I run TRT + HRT + peptides on one parent?

Yes if the acquirer approved the full scope. Many TRT clinics expand into HRT and research-only peptides — parent ledger consolidates reporting regardless of MCC split.

Stop leaking money
to a processor that wasn't built for you.

Apply once. Route every brand through one parent ledger. Underwriter-reviewed inside 48 hours. No hard pull, no obligation.

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Processor shutdowns, reserve-hold playbooks, reconciliation lessons, and the merchant-account decisions that save operators six-figure years. Delivered to your inbox — never spam.

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Six questions. Instant fit score. No hard pull, no obligation. If we're a fit, you'll see the exact per-transaction rate you'd lock in at underwriting.

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