High Risk Merchant Accounts for Pharmacies

High Risk Merchant Accounts for Pharmacies

High Risk Merchant Accounts for Pharmacies

Accept prescription payments online with confidence.

Process patient transactions with full compliance.

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

Faster Online Checkout

Faster Online Checkout

Make prescription payments seamless for patients while boosting satisfaction.

Secure Patient Data

Secure Patient Data

Protect sensitive health and payment information with PCI-compliant infrastructure and HIPAA-aligned processing.

HIPAA-Compliant Payments

HIPAA-Compliant Payments

Ensure every transaction meets healthcare privacy standards, keeping patient information safe and your pharmacy compliant.

The Challenges of Handling Rx Payments

Pharmacies face unique payment hurdles that standard processors often can't address. Insurance-covered transactions require special handling, with partial payments split between insurers and patients. This complexity increases when managing recurring prescription refills that require tracking coverage changes and patient responsibility.

HIPAA compliance adds another layer of difficulty, as every transaction must safeguard protected health information. Many payment systems aren't built with these healthcare-specific requirements in mind.

For pharmacies balancing both retail locations and online ordering, the payment challenges multiply. Staff must juggle:

  • In-person copays and insurance verification

  • Online prepayments for medication refills

  • Phone orders with credit card authorization

  • Split billing between patients and insurance providers

All while keeping patient data secure and ensuring medications are dispensed only after proper payment verification.

online pharma
online pharma
online pharma
online pharma

For Online and Mail-Order Pharmacies

SensaPay's pharmacy payment solutions are built for digital and mail-order medication dispensing operations. Our system handles the unique demands of online prescription fulfillment, including secure checkout for first-time orders and streamlined processes for refills.

We've developed our platform to manage automatic billing for maintenance medications, allowing your patients to set up recurring payments that adjust based on insurance coverage changes. Our system processes payments across multiple channels, whether patients order through your website, mobile app, or phone call.

The pharmacy payment infrastructure scales with your business, whether you're serving a local community or expanding nationwide. Each transaction is processed with built-in compliance controls that protect both your pharmacy operation and your patients' sensitive health information.

Payment Tools for Online Pharmacies

Our specialized payment tools help pharmacies create seamless experiences for patients while maintaining regulatory compliance.

Send prescription payment requests by email or text for pre-pickup or delivery payments.

Automate recurring billing for maintenance prescriptions with flexible schedules.

Process phone prescription payments securely with required authorizations.

Add fraud protection for high-value prescription payments while keeping checkout smooth.

Reduce transaction fees on larger prescription orders by accepting direct bank payment.

Accept contactless prescription payments for delivery or in-app orders.

Protect Patient Payments and Prescription Data

Your pharmacy business deals with two types of sensitive information: payment details and health data. Our payment processing system safeguards both through multiple security layers.

Key security features include:

  • PCI DSS Level 1 compliance - the highest standard in the industry

  • End-to-end encryption starting from the moment card details are entered

  • Tokenization to separate payment details from health data

  • Access controls limiting who can view transaction details

  • Fraud monitoring systems calibrated for pharmacy-specific risk patterns

This comprehensive approach aligns with HIPAA requirements for protected health information while ensuring smooth payment processing for legitimate prescription transactions.

Get Started With Your Pharmacy Payments

Setting up secure pharmacy payment processing is straightforward with our healthcare-focused approach.

1

Apply for Pharmacy Account

Submit your pharmacy information to get approved quickly.

3

Set Up Your Payment System

Integrate with your POS, e-prescription, or online ordering platform.

5

Go Live and Start Processing

Begin accepting secure payments in-store, online, or through telepharmacy channels.

2

Submit required documentation

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

4

Compliance review

Provide basic business information and processing needs.

2

Verify Your Business Details

Confirm licensing, ownership, and compliance requirements for secure processing.

4

Configure Billing Options

Enable recurring prescriptions, subscription plans, and flexible patient payment methods.

6

Track and Optimize Transactions

Track payments, prevent fraud, and reconcile efficiently with reports and analytics.

Simplify Payments for Your Patients Today

Give your patients the easy, secure payment experience they expect. Book a demo to see how our pharmacy-focused payment system works.

Book a Demo

Apply Now

Connects to POS, e-Prescriptions, and Inventory

Our payment system becomes part of your pharmacy workflow through direct connections to your existing technology. The system integrates with leading pharmacy POS systems like RxSystems, Micro Merchant Systems, and QS/1, maintaining transaction records that link to prescription information.

Integration benefits:

  • Reduced data entry - payment information flows to patient records

  • Automated reconciliation - matching payments to insurance claims

  • Inventory synchronization - updating stock when prescriptions are paid

  • Streamlined workflows - saving 5-10 staff hours weekly on payment processing

For e-prescription workflows, our payment tools connect with Surescripts and other electronic prescription platforms, allowing you to capture payment information during the same interaction when patients confirm their medication orders.

FAQs About Pharmacy Payment Processing

How does your system handle split payments between insurance and patients?

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 does your system handle split payments between insurance and patients?

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 does your system handle split payments between insurance and patients?

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 does your system handle split payments between insurance and patients?

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 you process FSA and HSA cards for prescription payments?

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 you process FSA and HSA cards for prescription payments?

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 you process FSA and HSA cards for prescription payments?

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 you process FSA and HSA cards for prescription payments?

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 happens if an insurance claim is rejected after a patient has already paid?

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 happens if an insurance claim is rejected after a patient has already paid?

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 happens if an insurance claim is rejected after a patient has already paid?

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 happens if an insurance claim is rejected after a patient has already paid?

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 handle payments for controlled substances?

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 handle payments for controlled substances?

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 handle payments for controlled substances?

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 handle payments for controlled substances?

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 your payment system accommodate manufacturer coupon programs?

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 your payment system accommodate manufacturer coupon programs?

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 your payment system accommodate manufacturer coupon programs?

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 your payment system accommodate manufacturer coupon programs?

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.

Upgrade Your Online Pharmacy Checkout Experience

Reduce abandoned carts and increase patient satisfaction with a checkout process built for prescription medications. 

Chat with a payments expert

Chat with a payments expert