Med Spa Payment Processing
Med Spa Payments That Stay Approved
GLP-1, peptides, and hormone protocols get med spas shut down by general processors. We underwrite every account in-house and keep the file compliant from day one.
Stop Outgrowing Stripe and Square
Many med spas start on platforms that were built for simple ecommerce and later run into account reviews, freezes, recurring billing limitations, or underwriting friction as treatments, memberships, subscriptions, and higher-risk services expand.
Payment Freezes Should Not Interrupt Growth
As med spas expand into GLP-1, peptides, memberships, and recurring care, generic platforms can introduce reviews, holds, and freezes. Corepay underwrites med spa programs directly and helps set accounts up correctly from the start.
Correct MCC Coding
We code your account to the right merchant category at boarding, keeping you compliant with Visa and Mastercard rules that catch others off guard.
See How Your Med Spa Rates Compare
Med spas with high average tickets and membership billing deserve a processor that understands aesthetic medicine. Enter your volume to see what we can offer.
- Membership and package billing built in
- Online booking deposit collection
- Aesthetic medicine underwriting expertise
How much are you overpaying?
Enter your numbers from last month's processing statement.
All figures shown are estimates only and may be subject to change based on application review, business model, risk factors, and underwriting assessments. This tool does not constitute a commitment, guarantee, or offer of specific terms.
Same-day decisions · No application fee · Dedicated account manager
Payment Processing Built for Aesthetic Medicine
Med spas live between healthcare and retail, and the addition of GLP-1, peptides, and hormone protocols pushes most processors past their comfort zone. We underwrite every account in-house, code the MCC to match what you actually sell, and keep the file compliant with card brand rules from day one.
Challenges Med Spas Face
GLP-1 Shutdowns
General-purpose processors freeze or close med spa accounts when weight loss injections or peptide protocols show up in transaction history. Our underwriters expect these services and set the account up to support them from day one.
Miscoded MCC
Standard processors often board med spas under the wrong merchant category, leaving accounts noncompliant with Visa and Mastercard rules. The result is fines, holds, and eventual termination. We code to the right MCC at boarding.
High-Ticket Freezes
Botox, filler, and laser treatments routinely run $500 to $3,000 per visit. Aggregators flag those tickets and freeze funds while they investigate. Our underwriting accounts for your average ticket so it does not trip the model.
Membership Disputes
Recurring memberships and treatment packages generate disputes when the descriptor on a statement does not match what the patient remembers buying. We set descriptor and dunning rules at boarding to keep disputes low.
Built for Aesthetic Medicine
In-House Aesthetic Underwriting
Our underwriters review every med spa file directly. We approve GLP-1, peptide, and hormone protocol services, with the MCC coded right at boarding.
Recurring Membership Billing
Monthly wellness memberships, prepaid treatment packages, and auto-renew bundles managed through our built-in recurring engine.
Chargeback Alert Integration
Ethoca and Verifi alerts notify you of incoming disputes before they post, protecting revenue on high-ticket treatment invoices.
High-Ticket Processing
Underwriting that accounts for the large average transaction sizes common in aesthetic medicine without capping your volumes.
Secure Online Booking Payments
Accept deposits and full pre-payments at online booking with fraud screening appropriate for card-not-present aesthetic transactions.
Dedicated Account Manager
A named account manager experienced with aesthetic practice payment processing, available around the clock.
Corepay By the Numbers
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24-72h Typical Approval Window
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135+ Currencies Supported
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98% Uptime SLA
Processing Payments in 30+ Countries
United States
50 statesFull domestic processing with next-day funding and dedicated account management.
European Union
27 member statesPSD2 and SCA compliant processing across all EU member states with multi-currency settlement.
United Kingdom
England, Scotland, Wales, NIFCA-regulated payment processing with GBP settlement and local acquiring.
Australia
All territoriesAPRA-compliant processing with AUD settlement and Asia-Pacific connectivity.
Finding payment processing for med spas has gotten harder since the April 1 VIRP update tightened scrutiny on weight loss medications. If your med spa offers GLP-1 injections, peptide protocols, or hormone therapy, you need a processor that knows how to underwrite the account, code the right MCC, and keep the file compliant with card brand rules.
We also offer weight loss merchant accounts for businesses selling these services online.
Why Med Spas Need the Right Processor
Running a med spa means offering premium treatments and a high-touch client experience. Your payment process should match. The right processing setup ensures clients can pay smoothly while you receive fast, reliable deposits, even when your service menu includes peptides, GLP-1, or hormone protocols that general processors do not understand.
Why GLP-1 and Peptides Trigger Shutdowns
General-purpose processors freeze or close med spa accounts when weight loss injections or peptide protocols start showing up in transaction data. Their underwriting models do not account for the service mix, and their automated risk monitoring is tuned to flag terms like ketamine, semaglutide, and tirzepatide. Once flagged, accounts are often closed without warning, with funds held while the processor reviews.
Specialty processors that understand med spa services can approve and support these accounts long-term, but only if the account is set up correctly from the start.
How We Set Up Your Account Differently
Two things separate accounts that stay open from accounts that get shut down: who reviews the file, and how the merchant category is coded.
- In-house underwriting. Every med spa application is reviewed by our underwriters directly. We know which services need extra documentation, which need a specialty acquirer, and which can be approved on a standard specialty file. No black-box automated decisions.
- Correct MCC coding. The merchant category code (MCC) tells Visa and Mastercard what your business sells. Standard processors often board med spas under a generic retail or services MCC, which leaves you noncompliant the moment GLP-1 or peptide transactions hit the network. We code your account to the right MCC at boarding, so your transaction data lines up with your actual service menu and the card brand rules that apply to it.
Both happen before the first transaction processes. That is what keeps accounts open long-term.
Applying for Your Account
You will need:
- Voided check
- Proof of business and personal bank account
- Prior processing history
- Fully compliant website
- Chargeback history
What We Walk Through Before Onboarding
Before approving your account, we discuss rates, reserves, payout cycles, volume limits, chargeback limits, banking requirements, accepted currencies, virtual terminal access, and payment gateway options.
Why Choose Corepay
- In-house underwriting on every med spa file
- Correct MCC coding at boarding
- 24/7 customer service
- Fast onboarding
- Competitive rates
- Over 20 years of payment processing experience
- Terminal equipment at low cost
- Maximum approval rates
