Your Payment Processor Could Shut Down Your Med Spa

Payment processing feels like back-office admin—until fees creep up or your account gets flagged.

In this episode, I sit down with Adam Castillo to talk about merchant services, hidden fees, high-risk rules, and what can put a med spa on the MATCH list. We also cover telehealth, weight loss, website language, and how to protect your ability to get paid.

Know Your Effective Rate

Don't just scan the statement for one fee. Divide total processing fees by total payments processed and track that effective rate over time. Small increases compound fast, and junk fees can eat into margin.

Check the Risk Before You Add the Service

Before launching telehealth, medical weight loss, or a new payment setup:

Review website and invoice language

Confirm processor rules for your services

Ask whether LegitScript or extra underwriting applies

Audit fees before switching

A cheaper processor isn't a win if the account gets shut down.

(00:05:35) Finding hidden processing costs (00:08:07) Understanding telehealth restrictions (00:16:03) Avoiding risky payment language (00:42:21) How AI scans websites for flagged terms