Owner guide · Offer & ops
Published 2026-10-26
If Stripe or your bank froze your account, start by asking whether your account application, website, and invoices accurately described what you sell. Processors treat pharmacies, prescribers, and telehealth merchants as higher-risk categories with their own rules. “Stripe-safe” does not mean hiding words from a processor. It means your business only charges for what it actually provides—coaching, training, accountability—and describes those charges truthfully, while any medical service or medication is billed by the licensed provider and pharmacy side under their own accounts.
Who is the merchant of record for clinical charges (consults, medication) is set by your written agreement with your platform vendor. Confirm it in writing on your demo, and have a healthcare attorney review how—and whether—your business is paid. In many states, payments to a non-medical business that are tied to prescriptions or patient referrals raise fee-splitting, anti-kickback, or patient-brokering concerns (for example, Florida’s Patient Brokering Act). Your compensation should be for services you actually provide.
| Item | Pass? |
|---|---|
| ------ | ------- |
| Your processor account application accurately describes your business | ☐ |
| Gym invoices list only services your business provides | ☐ |
| Descriptors accurately name your business and the service billed | ☐ |
| Medication is never billed through your account under any name | ☐ |
| Staff script routes clinical questions to the provider’s care team | ☐ |
| Pages that collect health information have no ad pixels or tracking tags | ☐ |
| Written agreement covers who bills what and how you are paid, reviewed by counsel | ☐ |
Before (hypothetical): Invoice line: “Tirzepatide 10mg — $399” on the gym’s processor. The gym is effectively selling a prescription drug.
After: The client pays the gym $2,400 for a 12-week coaching program (training, nutrition coaching, accountability), with the descriptor “ABC Fitness — 12W Coaching Program.” Separately, the client may request a consult with an independent licensed provider through the provider’s own checkout; any consult and medication are billed by the provider and pharmacy side, only if prescribed. The gym’s revenue comes from the coaching it delivers. Hypothetical numbers, not a typical result or a guarantee.
| Setup | Who bills the clinical charge | Concern |
|---|---|---|
| ------- | -------------------------------------- | ----------------- |
| Gym buys medication and resells it | Gym | Gym is acting as a drug seller—avoid |
| Gym invoices medication under a “program” name | Gym | Misdescribed charges—avoid |
| Gym bills coaching only; provider and pharmacy bill clinical care | Provider/pharmacy side, per written agreement | Confirm terms and your compensation with counsel |
Processors classify merchants by what they actually sell. Removing words from a page that still sells medication is concealment, not compliance—and it can violate processor terms and platform rules. The fix is structural: your business sells coaching; medical care is provided and billed by independent licensed providers.
Practitioner guidance: keep your marketing pages (coaching program, transformation, schedule) separate from the provider’s intake and checkout. Never place Meta, Google, or other ad pixels on intake, booking, or checkout pages that collect health information.
“We operate a fitness and wellness business. Members may choose to request care from independent licensed telehealth providers. Our business charges for coaching and program access only. Clinical services and any medication are billed by the provider and pharmacy side.”
Bring your written agreement if support asks for documentation.
Insert MD’s 24-hour platform setup includes an onboarding walk-through of who bills what. Compare each vendor’s own published timeline before you choose.
Processors review your whole business: your application, website, and what your checkout actually sells. Ask Stripe which policy applied, and make sure your account accurately describes what you sell.
Often yes for non-clinical coaching fees, if your account accurately describes your business. Have counsel review marketing that mentions medications.
No. Membership and coaching billing stay on your stack. How clinical charges are billed is set out in your written agreement—confirm it on your demo.
No. Your attorney and accountant should review your merchant setup and any compensation arrangement.
The truth about your business. If it is accurate, for example: “We operate a fitness business and charge for coaching. Medical services are provided and billed by independent licensed providers; we do not sell or dispense medication.”
Insert MD targets 24-hour platform setup, with a first order walked through on your onboarding call (setup, not patients treated). See what “live in 24 hours” means.
Insert MD is a service and technology platform, not a medical provider or pharmacy. It does not practice medicine, prescribe, or dispense medication. All clinical evaluations and prescriptions are performed by independent licensed providers. Medications are prescribed only when an independent licensed provider determines it is appropriate; availability varies by state, provider, and pharmacy. Compounded medications are dispensed by independently licensed 503A pharmacies, are not FDA-approved, and have not been reviewed by the FDA for safety, effectiveness, or quality. Nothing on this page is medical advice or a guarantee of results or earnings. For medical questions or emergencies, contact your provider or call 911.
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