Telehealth and pharmacy payments that never miss a refill
Keep your existing processors · Go live in under an hour
Orchestrate the processors you already use
- Stripe
- Adyen
- Authorize.net
- Airwallex
- Checkout.com
- Paysafe
- +18%Approval-rate uplift
- 99.99%Routing uptime
- 20+Processors supported
- <50msAutomatic failover
How it works
Orchestration in three moves
Connect once, route everything, and let fail over and recovery run on autopilot, so a single decline, freeze, or shutdown never costs you a consultation fee, a refill, or a treatment-plan renewal.
- 01 · Connect
Plug in every processor
Bring Stripe, Adyen, Authorize.net, and your high-risk acquirers under one unified API. Add or swap processors without touching your checkout.
- 02 · Route
Send each charge to its best home
Every transaction is routed by card brand, BIN, currency, amount, and live approval performance, landing on the processor most likely to say yes.
- 03 · Recover
Fail over and retry, automatically
If a processor declines, slows, or goes offline, the charge reroutes in milliseconds and retries on a backup, so the sale still closes.
The platform
See orchestration at work
From a single control surface to real-time routing and recovered revenue. Here’s what running on PaymentKit looks like.
One router, every processor
Connect Stripe, Adyen, Authorize.net, and your high-risk acquirers, then let PaymentKit route each charge to the one most likely to approve.
Every payment method, one checkout
Give customers cards, wallets, and BNPL (Apple Pay, Google Pay, Link, Klarna, PayPal), all orchestrated behind a single integration.
Grow and stabilize recurring revenue
For memberships, treatment packages, and product subscriptions, orchestration keeps renewals flowing and your monthly recurring revenue climbing, even when a single processor stumbles.
Recovery and churn, in real time
Track recovered revenue and churn across every processor from one dashboard, and see exactly what orchestration wins back.
Capabilities
Built for revenue that can’t afford to stop
Everything a telehealth platform or online pharmacy needs to keep approvals high and payouts flowing, across every processor at once.
Universal PSP routing
One integration connects to any processor or acquirer. Direct traffic by rules you control, route international patients to local acquiring, or let live performance decide.
Zero-downtime failover
A processor outage or freeze no longer stops checkout. Traffic reroutes instantly to a healthy backup, with no customer-facing errors.
Cross-processor recovery
Soft declines get a second chance on a different processor, with retry timing tuned to historical success windows.
Approval-rate optimization
Routing learns which processor approves which customer profile, lifting authorization rates without you lifting a finger.
Fraud & chargeback shield
Chargeback protection with risk rules you set once and keep consistent across every processor: flag bad transactions while returning patients sail through.
Compliance & risk support
Guidance through underwriting and acceptable-use requirements so your telehealth merchant accounts stay open and your billing descriptors stay recognizable to patients.
Implementation
Launch with or without code
Build routing in the dashboard, or wire it up with a few lines of API. Either way, you go live in under an hour.
No code
Drag-and-drop routing rules
Set processor priority and add conditions by card brand, BIN, currency, or amount, then toggle fail over: no deploys, no engineers.
Prebuilt checkout components
Drop in PSP-agnostic, PCI-compliant payment fields and let PaymentKit handle the routing behind them.
Yes code
Live performance dashboard
Watch approval rates, fail overs, and recovered declines per processor in real time, and adjust rules on the fly.
One-click processor connect
Add or remove acquirers from a single screen. New processors join your routing pool instantly.
Single processor vs. orchestration
Why one processor is a liability
- Account shutdownSingle processorRevenue stops deadPaymentKit orchestrationTraffic reroutes, sales continue
- Frozen fundsSingle processorCash held for weeksPaymentKit orchestrationVolume spread, exposure limited
- Soft declinesSingle processorLost at first noPaymentKit orchestrationRetried on a backup processor
- Approval rateSingle processorCapped by one providerPaymentKit orchestrationOptimized across all of them
- Processor outageSingle processorCheckout goes downPaymentKit orchestrationFail over in milliseconds
- Switching processorsSingle processorRe-integration projectPaymentKit orchestrationA config change, not a rebuild
Who we support
Orchestration for every telehealth and pharmacy business model
From virtual-first clinics to prescription fulfillment, PaymentKit gives digital health merchants stable, multi-processor infrastructure built to scale.
Telehealth platforms & virtual clinics
Consultation fees and visit billing on healthcare payment processing that stays up when a processor re-reviews the account.
Online pharmacies & prescription fulfillment
Card-not-present pharmacy payment processing routed through acquirers that support certified pharmacy merchants.
Subscription treatment programs
GLP-1, dermatology, hair-loss, and mental-health plans with recurring renewals that need adaptive retries to protect continuity of care.
Cross-border digital health
International patient bases billed in local currencies, with routing to the acquirer that approves best per region.
The problem
Why telemedicine and pharmacy businesses lose revenue on a single processor
Telemedicine and online pharmacy sit squarely in the high-risk category, and for reasons that have little to do with how legitimate the business is. The vertical carries regulatory scrutiny at both the state and federal level, handles sensitive health context around every transaction, runs almost entirely card-not-present, and bills a large share of its revenue as recurring treatment plans, the exact pattern automated risk systems watch hardest. Mainstream platforms restrict prescription-related commerce almost entirely, and even specialized telehealth merchant accounts get re-reviewed continuously. Approval today is no guarantee of approval next quarter.
The stakes are also different here. When a supplement brand’s account freezes, orders stop. When a telehealth platform’s account freezes, a patient’s treatment-plan renewal fails, a refill doesn’t ship, and continuity of care breaks along with the revenue. Running patient billing through a single processor puts a clinical relationship one automated review away from interruption.
Common triggers that get telemedicine and pharmacy merchants flagged on a single processor:
- Prescription products sold without the certification card networks expect, such as LegitScript
- Treatment claims on marketing pages that read as medical outcome guarantees
- Elevated chargebacks from recurring treatment-plan billing
- Billing descriptors patients don’t recognize on their statements
- Missing telehealth provider licensure or pharmacy verification disclosures
- Cross-border volume that the acquirer never underwrote
Payment orchestration removes the fragility. Instead of betting patient billing on one provider staying happy, you distribute volume across several processors, so no single decision by a single processor can interrupt care or revenue. Orchestration doesn’t replace good compliance. It protects you when a processor changes its mind anyway, and it keeps your risk and routing rules consistent whether you’re on one acquirer or six. That makes telemedicine payment processing far more resilient than depending on a single telehealth merchant account.
Compliance & approval
What keeps telemedicine and pharmacy merchant accounts stable
Acquirers that support telehealth and online pharmacy merchants expect certain standards before approving (and to keep approving) an account, and the card networks add their own on top, including recognized certification for pharmacy sales. Meeting them lowers chargeback risk and keeps you in good standing. With orchestration, you apply these standards once and carry them across every connected processor.
Website & policy basics
- Provider licensure and pharmacy verification disclosures
- LegitScript or equivalent certification where card networks require it
- Clear refund, cancellation, and treatment-plan terms
- Privacy policy, terms of service, and visible support contacts
Operational standards
- PHI kept out of payment data, metadata, and descriptors
- Prescription verification and age checks where required
- Billing descriptors patients recognize at a glance
- Fraud monitoring, 3DS, and PCI-compliant checkout