Merchant Accounts for Plastic Surgery, Medspas and Aesthetic Clinics

Merchant Accounts for Plastic Surgery, Medspas and Aesthetic Clinics

Merchant Accounts for Plastic Surgery, Medspas and Aesthetic Clinics

High-risk payment processing for aesthetic procedures.

Payment solutions that work for your clinic and your patients

cosmetic surgery procedures
Happy couple shopping online with a credit card and tablet, making a secure payment for a purchase.
cosmetic surgery procedures

Specialized High-Risk Expertise

Specialized High-Risk Expertise

Work with a provider who understands the unique payment needs of aesthetic practices, reducing the risk of account freezes or declines.

Smooth Payments for Patients

Smooth Payments for Patients

Payment options are designed to make checkout simple and flexible, so patients can pay in ways that work for them.

Tailored Pricing for Elective Procedures

Tailored Pricing for Elective Procedures

Benefit from fee structures designed for high-value treatments, ensuring predictable costs and no hidden surprises.

High-Risk Merchant Hurdles for Aesthetic Clinics

Running a cosmetic clinic is demanding enough, so the last thing you need is payment challenges to hold you back. These challenges affect your finances and your ability to provide the experience your spatiens expect:

  • High-ticket transactions trigger additional security checks and banking requirements.

  • Procedures create a higher chargeback risk when patients are dissatisfied with the results.

  • Deposits for procedures must be securely stored and easily accessible when payments are due.

  • Large payments can attract fraudsters who target aesthetic clinics.

  • Patients seek financing options, but many processors don't support payment plans.

  • Patient data requires HIPAA compliance, in addition to standard payment security measures.

Banks and standard processors often lack the necessary tools to support your cosmetic clinic. They often categorize it as high-risk, which can lead to frozen funds and payment declines. 

plastic surgery clinic
plastic surgery clinic
plastic surgery clinic
plastic surgery clinic

Tailored Payment Solutions for Cosmetic Surgery Practices

We provide merchant accounts tailored for clinics operating in high-risk cosmetic and aesthetic industries. These accounts are designed to support practices performing elective procedures that face unique payment challenges.

Our merchant accounts are available for:

  • Plastic Surgery Clinics – from minor enhancements to major surgical procedures

  • Dermatology & Cosmetic Dermatology Clinics – including advanced skin treatments and laser procedures

  • Medspas & Aesthetic Treatment Centers – injectables, facials, body contouring, and more

  • Other Elective Procedure Practices – any clinic offering treatments that carry higher payment or chargeback risk

Whatever your specialty, we have a high-risk merchant account built to match your practice’s needs.

Online and In-Clinic Payment Processing for Aesthetic Practices

Paying for treatments should be simple. Our solutions work in the clinic or through your website, making every transaction smooth and reliable.

Credit Card Processing

Accept major credit cards for anything from small treatments to larger procedures without delays.

Digital Wallets

Let patients pay quickly with Apple Pay, Google Pay, or other digital wallets, no cards or cash needed.

In-Clinic POS Solutions

Handle payments right at the practice with systems that fit your workflow and speed things up for staff and patients.

Give patients the option to pay directly from their bank accounts, ideal for bigger transactions or recurring visits.

Take payments online for appointments or treatment packages safely and without extra steps.

Flexible Payments

Split higher-cost procedures into manageable payments so patients can commit without stress.

Fraud and Chargeback Protection for Plastic Surgery Clinics

Plastic surgery clinics face unique payment risks, from high-value procedures to patients disputing charges. Our fraud and chargeback protection helps you stay secure without slowing down your practice.

We provide tools for:

  • Catching and stopping fraudulent transactions early.

  • Handling chargebacks quickly to protect revenue.

  • Securing patient and payment information with HIPAA-compliant and PCI Level 1 certified processing.

These protections let clinics focus on treatments without worrying about payment risks or interruptions.


Applying for a High-Risk Cosmetic Clinic Account

Approval for a high-risk merchant account can be straightforward. Follow these steps to get your clinic set up and process payments.

1

Eligibility Check

Confirm your clinic meets high-risk requirements, including proper licensing and registration.

3

Application Submission

Send your completed application with all required documents to our team.

5

Approval

Receive confirmation and account details once your clinic is approved.

2

Submit required documentation

Business registration, owner ID, and website/product details.

4

Compliance review

Provide basic business information and processing needs.

2

Document Collection

Gather business licenses, tax info, bank statements, and procedure/payment details.

4

Underwriting Review 

We assess your clinic’s operations, payment history, and risk profile.

6

Account Activation 

Set up your account and connect it to your systems to start processing payments.

Upgrade Your Clinic’s Payment Options

Discover how our system handles the unique payment needs of cosmetic surgery practices.

Benefits of Specialized Cosmetic Clinic Accounts

Specialized merchant accounts for cosmetic and aesthetic practices are designed around the realities of elective procedures, giving clinics both control and peace of mind. Key advantages include:

  • Transparent Fees – Clear, predictable pricing with no hidden costs.

  • Tailored Integrations – Works with your billing, scheduling, and POS systems to reduce errors and manual work.

  • Expert Support – Our team understands high-risk cosmetic practices and guides you through setup and ongoing management.

  • Protection Against Account Holds – Designed for high-risk clinics, these accounts reduce the likelihood of unexpected processor terminations.

With these benefits, your practice can manage payments confidently and focus on delivering treatments, not worrying about account issues.

Frequently Asked Questions

What payment methods can cosmetic clinics accept?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What payment methods can cosmetic clinics accept?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What payment methods can cosmetic clinics accept?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What payment methods can cosmetic clinics accept?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What affects payment processing rates for cosmetic surgery clinics?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What affects payment processing rates for cosmetic surgery clinics?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What affects payment processing rates for cosmetic surgery clinics?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What affects payment processing rates for cosmetic surgery clinics?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What documents are needed for approval?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What documents are needed for approval?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What documents are needed for approval?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What documents are needed for approval?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

How do you help clinics reduce chargeback risk?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

How do you help clinics reduce chargeback risk?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

How do you help clinics reduce chargeback risk?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

How do you help clinics reduce chargeback risk?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can patients split payments between multiple methods?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can patients split payments between multiple methods?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can patients split payments between multiple methods?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can patients split payments between multiple methods?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Start Processing Cosmetic Procedure Payments With Confidence

Get payment processing tailored to aesthetic medicine practices with specialized support for high-ticket procedures.

Chat with a payments expert

Chat with a payments expert

Chat with a payments expert

Chat with a payments expert

Chat with a payments expert