Onyx underwrites med spas, IV therapy, weight-loss/GLP-1, and hormone/TRT clinics in-house. Free card terminal, same-day funding. Get approved fast.
Med spas, IV therapy lounges, weight-loss clinics, and hormone-therapy practices sit in an awkward spot for payments: medical enough to scare mainstream processors, retail enough to need modern POS, and growing fast enough that fund holds genuinely hurt. Onyx Processing underwrites med spa and wellness merchants in-house — GLP-1 and semaglutide programs, TRT and hormone clinics, IV drips, aesthetics, and injectables included — with a free card terminal, same-day funding, and no reserves for qualified practices.
From the front desk to recurring memberships, Onyx covers the full patient payment journey: card-present payments on free smart terminals, packages and series billing, monthly wellness memberships, deposits for appointments, and stored cards on file with patient authorization.
| Onyx Processing | Typical High-Risk Processor | |
|---|---|---|
| Medical-wellness underwriting | In-house — GLP-1, TRT, IV all accepted | Declined or misclassified |
| Membership & package billing | Native recurring support | Third-party software required |
| Terminal hardware | Free smart terminal | $400+ purchase or lease |
| Funding | Same-day | 1–3 business days |
| Reserves | None for qualified clinics | Common for 'medical' categories |
| Card on file for appointments | Supported with authorization | Limited support |
Recurring revenue is the wellness growth engine. Onyx supports monthly memberships with smart retries, prepaid treatment packages and series, and card-on-file deposits that let you enforce no-show and late-cancellation policies compliantly. Clear terms at signup keep disputes rare — and chargeback alerts let you resolve the exceptions before they hit your ratio.
Mainstream processors often misclassify med spas under prohibited 'medical' or 'pharmaceutical' categories, especially when GLP-1, semaglutide, or hormone therapy appears on the menu. It's a category filter, not a judgment of your practice. Onyx underwrites wellness clinics in-house and explicitly accepts med spas, IV therapy, weight-loss, and TRT practices.
Yes. Clinics offering semaglutide or tirzepatide under licensed medical supervision are underwritten in-house at Onyx. You'll document your medical director, prescribing oversight, and pharmacy sourcing during approval — after that, one-time visits and monthly treatment subscriptions both process normally.
Yes. Monthly memberships, prepaid packages, and treatment series are natively supported with smart retries and dunning for failed payments. Members can also store a card on file for in-clinic purchases and appointment deposits.
Yes, when done compliantly: disclose the policy at booking, get the patient's acknowledgment, and keep the record. Onyx supports card-on-file authorizations for deposits and cancellation fees, and our team helps you set up terms that hold up if a patient disputes the charge.
Qualifying practices receive a free smart terminal supporting tap, chip, swipe, Apple Pay, and Google Pay. Multi-room and multi-provider setups work with additional devices, and everything reports into one dashboard with same-day funding.
Onyx supports HSA and FSA card acceptance for qualifying medical services, subject to the card issuer's rules on eligible expenses. Many weight-loss, hormone, and medically supervised treatments qualify — we'll flag what typically clears during onboarding.