Unlock secure, compliant transactions with National Processing and LegitScript for online healthcare and pharmacies
With online healthcare booming, getting medications from an online pharmacy has never been more convenient. But accepting payments in this space can be tricky. Between strict regulations, evolving compliance standards, and the constant risk of chargebacks, online pharmacies are always considered high-risk by payment processors and banks.
That’s where National Processing comes in. We provide secure, compliant, and reliable payment solutions to keep your operations running smoothly and help you grow your business with confidence. A big part of that confidence comes from knowing your business is protected, which is why we require LegitScript certification for our online pharmacy partners. This certification proves you’re operating legally and safely, keeping you in good standing with credit card networks and lowering the risk of payment downtime and/or account shutdowns.
So, what exactly makes online pharmacies high-risk, why is LegitScript so important, and how can National Processing support your business every step of the way? Let’s break it down.
Why are online pharmacies considered high-risk?
Running an online pharmacy comes with its own set of unique challenges that make payment processors cautious. Strict FDA regulations, a higher risk of chargebacks, and ever-shifting demands for airtight compliance—all the plates keep spinning. One misstep, like chargebacks from delivery issues, product disputes, or unmet expectations creeping over 2%, and a plate can come crashing down in the form of account closures or even worse, being put on MATCH. Reputation risks and the threat of fraud add even more to juggle, especially if you’re a newer business without much credit history. With so much to balance, it’s no wonder many traditional processors back away, leaving online pharmacies struggling to find reliable payment solutions to keep everything in motion.
That’s where National Processing steps in. We specialize in high-risk industries, offering secure, compliant payment solutions to keep your online healthcare business or pharmacy running smoothly. Our advanced fraud protection and chargeback management tools help safeguard your revenue and keep risks in check. With transparent pricing, you avoid hidden fees and save on transaction costs. And whenever you need support, our 24/7 U.S.-based team is here to help.
Our solutions integrate effortlessly with your eCommerce platform, making online payment transactions easy and reliable for both you and your customers. To ensure your business stays compliant and protected, LegitScript certification is essential—it proves you’re operating safely, legally, and up to industry standards.
LegitScript certification: A must for online pharmacies
Okay, we’ve talked a lot about LegitScript—why is it such a big deal? At National Processing, we require LegitScript certification because it’s key to setting your online pharmacy up for long-term success. It helps you stay compliant, avoid sudden account shutdowns, and maintain the trust of both customers and payment processors. Trusted by major platforms like Google, Microsoft, Visa, and Mastercard, LegitScript is the gold standard for proving your pharmacy is legitimate. Here’s why it matters:
- Regulatory Compliance: It shows you’re following pharmacy regulations and helps you catch compliance issues before they turn into bigger problems.
- Payment Processing Approval: Most banks and payment processors won’t approve merchant accounts for online pharmacies without LegitScript certification.
- Online Advertising: Want to advertise on platforms like Google, Facebook, or TikTok? LegitScript is your ticket.
- Patient Trust: It signals to your customers that your pharmacy is safe, legal, and transparent.
Honestly, LegitScript isn’t just a requirement—it’s a really good way to protect your business and keep everything running smoothly.
Here are some items we require for online pharmacies
In addition to LegitScript and regardless of prescribing peptides or a form of pill, we require the following. Okay, it looks like a lot when you list it all out like this—but take it step-by-step and chances are you have a lot of this material already gathered.
- Identity & Bank Verification
- We use Plaid ID verification to verify the business owner for the account
- We use Plaid to connect and verify your business bank account and information
- Business and Licensing Documents
- Business EIN
- Pharmacy license for all areas where you dispense medication
- Articles of Incorporation
- Signed bank letter from your financial institution
- Supplier and Dispensing Agreements
- Supplier agreement detailing your medication provider
- Contract with the pharmacy handling shipments
- Explanation of how medications are dispensed (e.g., shipped, picked up, or delivered)
- Policies and Compliance Documents
- LegitScript certification
- Terms and conditions
- Privacy policy
- Shipping policy
- HIPAA policy
- Financial Documentation
- Three months of bank statements
- Application Materials
- Completed and signed application form
- This may include pulling credit (when you go through the application please unfreeze your credit)
Why National Processing is the right choice to process payments for your online pharmacy
Running an online pharmacy comes with unique challenges, from strict regulations to higher risks of chargebacks. At National Processing, we provide secure, compliant, and reliable payment solutions tailored for high-risk businesses like yours. Here’s how we support your business and why we’re the partner you can trust:
Secure, Compliant Payment Processing: We specialize in high-risk industries, ensuring your pharmacy avoids sudden account shutdowns or frozen funds. Our solutions help you stay compliant with regulations and keep cash flow consistent.
Transparent, Competitive Pricing: No hidden fees, no surprises—just clear, affordable rates that help you save on transaction costs and maximize your profits.
24/7 Reliable Support: Our U.S.-based support team is available around the clock to assist with setup, troubleshooting, or any questions, so your business can keep running smoothly.
Advanced Fraud Protection: Protect your revenue with robust fraud prevention and chargeback management tools. We help you minimize risks and keep your chargeback ratio in check.
Seamless Integration: Our payment solutions integrate effortlessly with your eCommerce platform, POS system, or virtual terminal, making transactions smooth and hassle-free for both you and your customers.
Start processing payments with confidence
Running an online pharmacy isn’t without its challenges, but finding a secure, compliant payment processor shouldn’t be one of them. With LegitScript certification and National Processing’s reliable solutions, you can avoid shutdowns, reduce risks, and focus on growing your business.
Ready to take the next step? Reach out today and let’s get your payment processing set up so you can scale confidently!
