The single underwriting decision that keeps your account live.
MCC selection at boarding determines whether a telehealth account operates cleanly or gets flagged for the vertical mismatch six months in. Stripe and Square routinely misclassify telehealth platforms under MCC 5734 (computer software) or 5967 (direct marketing), which is what surfaces the account for termination.
Correct for platforms where the merchant of record is the pharmacy. Compounded 503A pharmacies, retail with DTC shipping, 503B outsourcing facilities. Underwriting posture: state pharmacy board licensure plus LegitScript internet pharmacy certification (995 dollars initial, 1,995 dollars annual). Reserves 4 to 12 percent.
Correct for platforms where the merchant of record is the prescribing medical practice. Telehealth clinics with credentialed physicians on the transaction. Underwriting posture: state medical licensure plus LegitScript telemedicine certification (part of healthcare merchant at 2,150 dollars annual plus 975 dollars initial). Reserves 3 to 8 percent.
Correct for platforms where consultation is billed and medication is a separate line item. Ketamine clinics, functional medicine, IV therapy, consultation-only telehealth. Reserves 5 to 10 percent.
Correct for 503B outsourcing facilities selling B2B to healthcare institutions. Not for DTC. Reserves 2 to 5 percent.
MCC 5967 (direct marketing) and 5734 (computer software) are the misclassifications Stripe applies to telehealth when it cannot cleanly vertical-map from signup data. Being boarded under 5967 or 5734 when your business is prescribing telehealth produces stricter VAMP monitoring, dispute-defense expectations calibrated for continuity offers, and compliance review that typically triggers termination within 6 to 12 months.