HIPAA-compliant payments
for telehealth platforms
Virtual care runs on recurring visits and subscriptions — and mainstream processors treat both as risk flags. Sterling Ridge delivers HIPAA-aligned processing, LegitScript fast-track guidance, and billing built for memberships, so your platform never loses a patient to a failed payment.
No surprises. No shutdowns. No stress.
HIPAA-ready checkout
PHI never touches your servers
A+BBB RatingAccredited Business
4.8/5GoogleCustomer reviews
4.5/5MetaCustomer reviews
5/5Merchant MaverickExpert review
Top RatedTop Credit Card Processors2026
#2,150Inc. 5000Fastest growing
Why telemedicine merchants
outgrow mainstream processors
These aren't edge cases — they're the predictable failure modes of processors that were never built for your category.
"Healthcare" is an auto-decline keyword
Stripe and Square lump telemedicine with pharmaceutical risk. Platforms get approved, scale to thousands of visits, then get terminated when a manual review discovers what the business actually does.
Recurring visits look like card-testing fraud
Weekly therapy sessions and monthly care plans generate repeat charges on the same card — a pattern generic fraud engines flag. Purpose-built recurring billing keeps legitimate care from being declined.
Compliance is on you, not them
Mainstream processors give you zero guidance on HIPAA-adjacent payment data handling or LegitScript certification. One misstep can cost you your account and your ad channels at the same time.
Key features built for
telemedicine merchants
Everything below is included with your account — no add-on modules, no upsells.
HIPAA & PCI-DSS compliant flows
PCI-DSS certified processing with payment data segregated from PHI, tokenized card storage, and BAA-friendly infrastructure that satisfies your compliance officer.
Fast-tracked LegitScript certification
We fast-track telehealth and prescription-adjacent platforms through LegitScript certification — the credential that unlocks Google and Meta ads and reassures acquiring banks.
Subscription & membership billing
Care plans, weekly sessions, and monthly memberships with automatic retry logic and card-updater support to keep involuntary churn near zero.
Telehealth-experienced underwriting
Our banks have seen telemedicine files before. Your model is placed with a partner that understands virtual care instead of pattern-matching it to risk.
No volume limitations
We will never impose volume limitations. Scale from hundreds to thousands of virtual visits per month and your processing scales with you — no caps, no throttling.
Chargeback prevention for care disputes
Session logs and consent documentation are wired into representment, keeping dispute ratios low and your account healthy.
Sterling Ridge vs
standard processors
Swipe horizontally to compare →
| What you get | Sterling Ridge | Standard processors |
|---|---|---|
| Accepts telemedicine & telehealth platforms | ||
| Upfront underwriting — no sudden account shutdowns | ||
| No sudden fund holds | ||
| No volume caps | ||
| HIPAA-compliant, PCI-DSS certified infrastructure | ||
| Fast-tracked LegitScript certification support | ||
| Dedicated account manager | ||
| Accepts major credit cards |
Your trusted telemedicine
payments partner
Upfront underwriting instead of surprise shutdowns, 25+ acquiring banks instead of a single point of failure, and a dedicated account manager who knows your file by name. That's why telemedicine merchants stay with us for years.
Approval rate
Acquiring bank partners
Next-day funding
High-risk approval time
Telemedicine sub-verticals
we serve every day
Ready to process as a
telemedicine merchant?
Tell us about your business and a payment specialist who knows your industry will reach out — usually the same day.
- 99% of applicants approved
- Same-day review for most files
- No long-term contracts or hidden fees
- Prior shutdowns don't disqualify you
Get Started
Start accepting payments as a telemedicine merchant — no contracts or hidden fees.
You're in good company
with our processing services
“Sterling ACH has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.”
“Sterling Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.”
“Sterling Merchant has been great at keeping our payment processing fees at an absolute minimum.”
“Thanks to the insightful advice and great service offered by the team at Sterling Merchant, our ecommerce business operates more efficiently.”
“eCheck verification has reduced returned checks for our clients by 63%, resulting in thousands saved on bank fees. They also offer A+ developer support!”
“Very reliable verification and great customer service. Customer support is always responsive and available.”
“We have over 90 locations and Sterling Ridge helps us collect our money faster, easier and more efficiently.”
“Sterling ACH has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.”
“Sterling Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.”
“Sterling Merchant has been great at keeping our payment processing fees at an absolute minimum.”
“Thanks to the insightful advice and great service offered by the team at Sterling Merchant, our ecommerce business operates more efficiently.”
“eCheck verification has reduced returned checks for our clients by 63%, resulting in thousands saved on bank fees. They also offer A+ developer support!”
“Very reliable verification and great customer service. Customer support is always responsive and available.”
“We have over 90 locations and Sterling Ridge helps us collect our money faster, easier and more efficiently.”
“Excellent service! Sending invoices with Sterling ACH has significantly reduced A/R by letting our customers pay online.”
“Sterling Ridge helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.”
“Sterling ACH allows us to easily request one-time and recurring rent payments from our tenants.”
“Sterling Ridge has made it easy for our business to receive funds the next day from our clients.”
“Every small business needs Sterling ACH! It has allowed me to send and receive payments quickly, securely, and reliably.”
“Sterling Ridge has been an invaluable addition to our company. It has drastically reduced the time to receive funds.”
“Excellent service! Sending invoices with Sterling ACH has significantly reduced A/R by letting our customers pay online.”
“Sterling Ridge helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.”
“Sterling ACH allows us to easily request one-time and recurring rent payments from our tenants.”
“Sterling Ridge has made it easy for our business to receive funds the next day from our clients.”
“Every small business needs Sterling ACH! It has allowed me to send and receive payments quickly, securely, and reliably.”
“Sterling Ridge has been an invaluable addition to our company. It has drastically reduced the time to receive funds.”
Trusted by thousands of businesses and entrepreneurs across 60+ industries
Telemedicine merchants ask,
we answer.
Payment processing itself doesn't transmit PHI, but our flows are designed to keep it that way: payment data is tokenized and segregated, and our infrastructure supports the safeguards your compliance program requires.
Industries we serve
beyond yours
60+ verticals, one processor that says yes.
Your industry isn't a problem.
It's our specialty.
Get approved as a telemedicine merchant and start processing within days — not months.
Get started with Sterling RidgeNo long-term contracts · No setup fees · No cancellation fees