The 7 Best Telehealth Merchant Account Providers in 2026

Telehealth has long since moved from “emerging” to essential. Virtual clinics, telemedicine platforms, remote diagnostics, and subscription-based care models are now a permanent part of healthcare delivery. But as patient demand for remote care continues to grow, payment processing for telehealth businesses has only become more complex.

In an effort to make different forms of medical care more convenient and accessible, telehealth merchants face a variety of challenges that can significantly disrupt their ability to collect payments:

• Recurring billing issues (e.g., declined or expired cards, cancellations)
• Higher fraud and chargeback exposure
• Strict card network rules
• Compliance with evolving healthcare regulations
• Insurance claim delays and denials
• Frequent scrutiny from sponsor banks

Many telemedicine platforms also process cross-border payments, sell supplements or wellness services alongside care, or rely on subscription-based models. These are all factors that can quickly trigger account holds or shutdowns with traditional processors.

That’s why most telehealth merchants can’t rely on a standard payment processor. Instead, they need a partner who actually understands the unique risks, compliance hurdles, and growth challenges that come with virtual care.

Below, we break down the seven best telehealth merchant account providers in 2026, who they’re best suited for, and where it pays to slow down and read the fine print.

1. Adaptiv Payments

Adaptiv Payments Logo

Credit: Adaptiv Payments

At Adaptiv Payments, telehealth isn’t an afterthought. It’s one of the industries we’re specifically built to support. We work directly with telemedicine providers to process debit cards, credit cards, card-not-present (CNP) transactions, and other online payments in a way that’s secure, compliant, and designed for long-term stability.

Our team understands the regulatory realities of remote care, which is why we prioritize HIPAA-compliant payment processing, upfront underwriting, and hands-on risk guidance from day one. Adaptiv supports recurring medical payments, high transaction volumes, and growing telehealth platforms that need reliability more than shortcuts. With 24/7 access to real payment experts and a consistently high approval rate, we focus on keeping your business operational — not just getting you approved.

Key Features:

• Strict compliance with HIPAA regulations
• 24/7 access to telemedicine (and payment) experts
• Support for recurring medical payments
• Strong account stability due to upfront underwriting
• Built to handle high transaction volumes
• Fast and easy application process

Drawbacks:

• Approval timelines vary and may take up to 2–3 weeks
• Not ideal for very small practices
• Less “self-serve” than Stripe-style platforms

2. Corepay

CorePay Company Logo

Credit: CorePay

Corepay is a well-established high-risk merchant account provider with nearly 9 years of experience supporting regulated industries, including telehealth, telemedicine, and online pharmaceutical services. The company positions itself as both a HIPAA- and PCI-compliant processor, making it especially appealing to telehealth merchants navigating complex card network rules, healthcare regulations, and ongoing monitoring requirements.

Corepay’s partnership with LegitScript can significantly expedite onboarding for telehealth providers, helping establish credibility with acquiring banks and set the stage for smoother underwriting. Merchants can enjoy a user-friendly platform and a helpful customer support team that remains available long after setup. With support for recurring billing, international payments, and chargeback prevention, Corepay is best suited for telehealth businesses that prioritize speed to approval and regulatory alignment.

Key Features:

• State-of-the-art fraud prevention tools
• Swift approvals often within 24–72 hours of applying
• No account setup fees
• Built-in chargeback management tools
• Around-the-clock customer service
• Accepts over 30 currencies

Drawbacks:

• Possible rolling reserves while the account is new
• Expect long-term contracts with early termination fees
• Very few pricing disclosures on website
• $1,000 annual renewal fee for high-risk merchants

3. Zen Payments

Zen Payments Company Logo

Credit: Zen Payments

Zen Payments is a popular option for telehealth businesses that need flexible, secure payment processing beyond what traditional providers are willing to support. The platform is built to handle virtual consultations, recurring subscriptions, and multiple payment methods (e.g., FSA/HSA cards, insurance), making it especially useful for telemedicine and teletherapy models.

Zen places a strong emphasis on HIPAA-compliant processing and offers tools like automated subscription management, advanced encryption, and detailed analytics to help providers stay organized and protected as they grow. Many merchants also point to Zen’s responsive customer support as a bright spot during onboarding and ongoing account management.

That said, telehealth businesses should be prepared for a more involved setup process than non-specialized industries and take time to understand potential fees and risk policies before moving forward.

Key Features:

• Secure, HIPAA-compliant payment processing
• Supports multiple payment methods
• Virtual consultation billing
• Automated subscription management
• Detailed analytics for performance optimization
• Dedicated customer support team

Drawbacks:

• Fewer advanced risk-management tools
• Some users report unexpected high fees, fund holds, and account freezes
• Account setup tends to be difficult and complex compared to other specialized providers

4. PayDiverse

Pay Diverse Company Logo

Credit: Pay Diverse

With over two decades of high-risk expertise and one of the industry's largest banking networks, PayDiverse is a strong option for struggling telehealth merchants. It’s particularly well-suited for businesses that have faced prior rejections, account terminations, or excessive chargebacks and need access to alternative banking paths.

PayDiverse’s expansive network of banking solutions allows them to place telehealth merchants more flexibly, including offshore processing when appropriate. Fast payouts and a self-service merchant portal add convenience for teams managing complex day-to-day operations. While PayDiverse excels at getting more complex, high-risk accounts approved quickly, telehealth businesses should note that long-term optimization and pricing transparency may require more proactive oversight on their end.

Key Features:

• 100% online application
• 24–48 hour payouts
• Network of over 40 banking solutions for telehealth merchants
• Award-winning fraud protection tools
• Offshore processing is available
• 24/7 support
• Quick approval process and no setup fees

Drawbacks:

• Custom pricing model with no upfront disclosures on website
• Limited customer reviews despite being in business since 2018
• Less emphasis on long-term optimization after approval

5. SoarPay

Soar Payments Logo

Credit: Soar Payments

Launched in 2015, SoarPay focuses on helping high-risk and hard-to-place businesses get up and running when traditional processors won’t step in, including telehealth companies offering medical products, prescription-related services, and virtual wellness consultations. The provider works exclusively with U.S.-based merchants and supports a range of payment environments, from eCommerce and virtual terminals to retail and mobile transactions.

SoarPay is often a good fit for telehealth businesses that need faster approvals and straightforward integrations with existing platforms, especially those running recurring or subscription-based billing models. Their mission centers on empowering businesses to succeed regardless of risk level, which shows in their hands-on customer support approach.

Key Features:

• Primarily works with high-risk and hard-to-place businesses
• Responsive customer support staff
• Easy integrations with existing telehealth platforms
• Faster approvals than many traditional high-risk providers
• Supports recurring billing and subscription models

Drawbacks:

• Unable to service merchants outside the US
• Some users report issues with fund holding
• Early termination fees
• Account stability can depend heavily on the assigned sponsor bank

6. SensaPay

SensaPay Logo

Credit: SensaPay

SensaPay is built specifically for remote care businesses that want payments to feel seamless for both providers and patients. The platform supports a wide range of telehealth use cases, from primary care virtual visits and mental health sessions to specialist consultations, remote monitoring, and chronic condition management. SensaPay’s team includes payment specialists who understand healthcare regulations and remote care workflows, which shows up in their built-in compliance safeguards and hands-on onboarding support.

Telehealth merchants can easily manage subscriptions, pay-per-visit billing, or blended models, while also accepting HSA and FSA cards. With strong chargeback support, real-time fraud prevention, and a reported 4.8/5-star rating across 233 Trustpilot reviews, SensaPay tends to be a good fit for providers who want simplicity backed by healthcare-specific expertise.

Key Features:

• Handles recurring billing and easy online payments in-house
• Easy account setup for new providers
• Quick refunds and adjustments
• Advanced chargeback management tools
• Payment specialists who double as remote care experts
• Seamless integration with telemedicine platforms, EMRs, and scheduling tools
• Highly responsive support team with dedicated client success managers

Drawbacks:

• Smaller network of sponsoring banks
• No pricing disclosures on website

7. Payment Cloud

PaymentCloud Logo

Credit: Payment cloud

Payment Cloud is a well-known name in high-risk payment processing, with solid experience supporting telehealth businesses with both online and over-the-phone payments. The provider offers advanced payment gateway technology designed to keep transactions fast and patient experiences smooth, even in complex billing environments.

With a large banking network and over 100 integration options, Payment Cloud can accommodate a wide range of telehealth setups and workflows. Every merchant is assigned a dedicated account manager, which can be extremely helpful during onboarding and early account management. While Payment Cloud earns strong overall feedback, including a reported 4.5/5-star rating across 846 Trustpilot reviews, telehealth merchants should carefully review pricing structures, reserve policies, and post-approval support expectations before moving forward.

Key Features:

• Built-in chargeback and fraud prevention features
• HIPAA-compliant PMS
• 100+ integration options
• Dedicated account managers for every telehealth merchant
• Large banking network
• Experience with telehealth and medical-adjacent industries

Drawbacks:

• Mixed reviews on post-approval support
• Pricing and reserves can be aggressive
• Some users report unexpected fund holdings and release delays