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Telemedicine

Telemedicine has become the standard for modern healthcare delivery. However, virtual providers are charged with abiding by strict federal regulations, primarily HIPAA. Because telemedicine is classified as a high-risk industry, merchants must work with processors that don't just secure card data, but also respect the privacy of Protected Health Information (PHI).

Best Providers in Telemedicine

MIDs - logo

MIDs

  • Credit Card and Local Payments
  • Multiple Options Worldwide
  • High Volume Specialized Services
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L3 Payments - logo

L3 Payments

  • High Risk US Processing
  • Unmatched Support
  • Online and Retail Options
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Use MAC to match with the right high-risk merchant service provider in a few simple steps.

Are you already processing credit card payments?

No, I'm completely new to credit card processing.Yes, but we're looking at other options.

The Intersection of HIPAA and PCI Compliance

A HIPAA compliant payment gateway for telemedicine operates at the junction of two distinct security frameworks: PCI DSS (for credit card data) and HIPAA (for health data). In 2026, compliance requires more than just a secure checkout; it requires data isolation.

  • Business Associate Agreements (BAAs): Standard payment processors often refuse to sign a BAA because they do not want the liability of handling PHI. A specialized telemedicine gateway will provide a signed BAA, legally acknowledging their role in protecting your patient data.
  • PHI Data Masking: To maintain the "Minimum Necessary" standard, a compliant gateway ensures that patient names, diagnoses, or treatment codes are never stored in the same environment as credit card numbers.
  • Audit-Ready Logging: Every login, transaction, and data access point must be logged and auditable. In the event of an OCR (Office for Civil Rights) audit, your payment gateway must provide clear reports of who accessed what and when.

Why Telemedicine Needs High-Risk Specialists

Beyond privacy, telemedicine carries financial risks that deter conventional banks. High-risk specialists are necessary to manage:

  • Cross-State Licensing: Navigating the complexities of providers treating patients across state lines.
  • Subscription & Recurring Billing: Managing the high chargeback risks associated with monthly "concierge medicine" or wellness memberships.
  • HSA/FSA Compatibility: Ensuring the gateway is correctly coded to accept Health Savings Account and Flexible Spending Account cards without high decline rates.

Build a Compliant Virtual Practice with MAC

Your patients trust you with their health; trust MAC to find you a payment partner that treats their data with the same care. We connect telemedicine providers with high-risk merchant service providers that understand the unique security demands of 2026 healthcare.

Secure your practice and your patients' privacy. Match with a specialized provider and find your telemedicine gateway today!