Built for the operators that standard processors refuse. Direct MIDs. US Based. No hidden fees.
Most payment processors were built for low-risk retail. When they encounter health and wellness operators, they don't investigate. They terminate. The business model isn't the problem. The processor is. Read our complete guide to high-risk payment processing →
You operate knowing that an automated flag could freeze your funds at any moment. Transactions stop processing. You have no explanation, no timeline, and no direct contact to resolve it. Your business is frozen mid-operation, often on a Friday afternoon.
A form email arrives. Your account has been terminated for violating terms of service. No specifics. No appeal process. You are now on a terminated merchant list that follows you to every processor you approach next.
You find a new processor and spend weeks onboarding and paying crazy fees. Months later, it happens again. The root problem was never which processor you chose. It was that you were aggregated under a broker's master account, not processing on your own dedicated Merchant ID and correct MCC code. Learn why BIN ownership changes everything →
Divior was built to end this cycle permanently. Not by working around the system, but by building on the right infrastructure, the kind that makes it possible to say yes where others say no.
We operate on a different standard, one where you always know where you stand. Four commitments we make to every merchant, on day one.
If there is ever an issue with your account, we talk about it together, with real humans who know your business and your history.
Reserves are set transparently at onboarding and decrease as you grow, not increase. You know exactly what to expect and when funds are released. How rolling reserves work →
We do not penalize you for operating in a regulated space. Our team aligns you with a compliance checklist and works with you to ensure your site meets all requirements before underwriting begins. We help you every step of the way.
Your merchant account is yours alone. We do not pool you under a shared MID with thousands of other businesses. One account, one identity, one direct processing relationship.
Ready to stop guessing and start processing with confidence?
Start Your Application →We are built with our own payment rails and domestic banking to handle what other processors refuse. Our whole goal is to set you up with sustainable, legit processing to scale your business.
We process through dedicated Bank Identification Number infrastructure. You receive your own Merchant ID. Your account is not pooled with thousands of others under a third-party aggregator who can revoke access at any time. What is a BIN? →
Most processors assign health and wellness merchants a generic retail MCC. We assign the right code for your specific vertical. That distinction affects your approval rates, your chargeback thresholds, and your long-term account stability.
Our underwriting team was built around health and wellness operators. We understand the regulatory landscape and compliance requirements of your business type.
No weeks-long review cycles. We make underwriting decisions within days of receiving a complete application.
Cash flow is oxygen for a growing business. Because we only use domestic banks, your funds settle next business day, consistently. No restrictions, no delays.
A real person with a direct line, not a support queue. They know your account before you ever have to explain it.
"If you run a subscription model in the supplement space, you already know the nightmare with chargebacks and false declines. We were getting hammered.
The team at Divior came in and set up our dispute resolution and fixed our routing. It was night and day. Our chargeback ratio dropped almost immediately, and we actually saw our approval rates go up. They just get how continuity works, which is rare to find in this industry."
"Processing over $20M a month in medical supplies means every single basis point matters, and funding delays are a massive headache. And we struggled with processors not handling us well.
The Divior team audited what we had, optimized our interchange rates, and finally got us on a real 24 to 48 hour settlement schedule. The cost savings were huge, but honestly, just having reliable cash flow has completely changed how we run the business."
"We were losing so many real customers because our old processor's fraud filters were just way too aggressive for biohacking products.
The Divior crew integrated fraud tools that actually fit our industry. We saw a 15% jump in authorizations right away! Crazy! They stopped the false declines without opening us up to actual fraud. I didn't ever have the expectation for my payment processor to help us make more money like this, but they proved me wrong."
The reason Divior can say yes where others say no isn't a policy decision. It's an infrastructure decision. Here's what that looks like in practice.
"We built Divior because we watched too many legitimate health and wellness operators get destroyed by processors who never took the time to understand what they were actually processing."
We designed this process to be fast, transparent, and built around your vertical. No generic intake forms. No weeks of silence. No surprise fees.
ETC: < 1 min
Tell us your business type and contact details. No sensitive financial data required at this stage. We just need to know who you are and what you operate so we can route you correctly from the start.
ETC: < 10 min
Complete your full merchant application. We ask for what we actually need: basic business documentation, processing history, and your bank statements. Everything you submit goes directly to our in-house underwriting team.
ETC: < 2-4 business days
Your application is reviewed by underwriters who know your vertical. No generic retail risk models. A real person makes the decision, communicates directly with you, and tells you exactly where you stand and how we can help you. All rates and reserves are transparent. No hidden fees or startup costs.
ETC: < 1 business day
Once approved, your dedicated account manager configures your merchant account, integrates your payment gateway, and walks you through how we plug into your site. All turn-key and seamless.
ETC: Same day account goes live
Your account is active. Transactions process. Funds settle next business day. Your dedicated account manager is reachable by direct line from this point forward. Unlock new growth potential with stable and compliant processing.
Majority of our merchants are approved and processing within 5 business days of submitting their initial application.
Begin Your Application →There are no upstream aggregators that can change its risk appetite and take you down when working with us.
We control our own BIN infrastructure and domestic bank relationships. Your account is overseen by an in-house, US based team to support you.
Most processors are built for low-risk retail or are brokers who have no say in protecting your account when it matters most.
We were built specifically for this space. We own our infrastructure, underwrite in-house, and have direct domestic bank relationships which means no middlemen that can pull the plug on your account.
Rates and any reserve requirements are disclosed upfront before you sign anything.
No startup fees. No onboarding fees. No surprises.
If reserves apply to your account, the amount, structure, and release schedule are in writing on your agreement.
We built Divior specifically for health and wellness verticals. Every category below represents a business type we actively underwrite, not a category we "consider on a case-by-case basis."
RUO peptide clinics selling BPC-157, TB-500, CJC-1295, and related compounds online.
503A and 503B compounding facilities processing custom formulations.
Digital health platforms offering consultations, prescriptions, and wellness programs.
Medical aesthetic practices offering injectables, laser treatments, and body contouring.
Mobile and clinic-based IV nutrient therapy and hydration service providers.
TRT, HRT, and hormone optimization clinics operating in person or via telehealth.
Direct-to-consumer supplement companies selling nutraceuticals, nootropics, and wellness products.
Functional medicine, longevity clinics, biohacking centers, and integrative health practices.
We work with operators at every stage, from emerging practices to established multi-location businesses.
Processing under $100K/month. You may be launching, transitioning away from cash-only operations, or proactively securing stable processing before an automated shutdown occurs.
Processing over $100K/month. You have proven volume and need infrastructure that can keep pace with multi-location growth without the constant threat of frozen funds or arbitrary reserve increases.
Not sure which tier fits your business? Apply and we'll guide you through the right structure for your volume and vertical.
When your payment infrastructure is built on the right foundation, your business can focus on what it was built to do. Here's what our merchants experience after switching to Divior.
These are the outcomes that matter. Stable processing, predictable funding, and a partner who stays.
"Traditional banks always treat nutraceutical continuity such as our company like a massive liability. We were paying crazy 'high-risk' fees just to be able to process payments.
But glad I found Divior through some google searches because they didn't just approve our account, they went in and fixed our interchange structure and cut our costs significantly down. How come I didn't know about them sooner is the question I keep asking. So grateful!"
"We have a health brand on Shopify doing close to eight figures and I've come to find out painfully quick that you need absolute stability. Having an account 'randomly' shut down could cost us hundreds of thousands over a single weekend.
Grateful for their team helping us to implement a totally stable setup with built-in redundancy. For the first time in 3 years, we can actually scale our ad campaigns without constantly worrying that our processor is going to pull the plug on us."
"We really needed something that plugged right into Shopify but still gave us the heavy-duty protection you need in the wellness space.
The guys at Divior handled the whole stack for us such as the gateway, the fraud protection, and the early warning alerts, all in one go. It was honestly the easiest migration we have ever done, and having a dedicated rep we can actually call for assistance is a game changer."
Answers to what most merchants ask before applying. If your question isn't here, we're available directly.
Have a specific question? Reach us directly at hello@diviorpayments.com and we'll respond within one business day.
Most processors that call themselves "high-risk specialists" are actually brokers with no say or leverage in protecting you. They have no control over underwriting, BINs, or bank relationships. When their upstream processor changes its risk appetite, the broker's merchants get terminated with no warning or ability to help.
We have the infrastructure. We have the domestic banks. We have our own underwriting team. Your account is not pooled with thousands of others under a shared MID. And because we control the payment rails, we can help you in ways others can't.
Yes. A prior termination does not automatically disqualify you. We review the circumstances of the termination as part of our underwriting process.
Many of our current merchants came to us after one or more terminations from standard processors who did not understand their vertical. We evaluate your business on its own merits.
Yes. We process for RUO peptide merchants selling online through a dedicated program built with our domestic sponsoring bank(s). You get your own MID, the correct MCC code, a US-based team to help you, and infrastructure that does not disappear when a processor changes its risk appetite.
Apply now and we will help you start processing credit cards in < 5 business days.
Standard processors use automated risk models that flag health and wellness products, peptides, supplements, and telehealth services algorithmically. Terminations happen without human review and often without warning. Read: Why standard processors terminate health and wellness accounts.
We are built specifically for high-risk verticals and use underwriting criteria that standard processors cannot offer because of our domestic banks.
We process through dedicated Bank Identification Number infrastructure rather than through a third-party aggregator. This means we control the processing relationship directly and cannot be shut down by an upstream aggregator's policy change. This structural difference is the foundation of long-term stability for high-risk merchants. Learn more about BIN ownership.
We specialize in health and wellness operators: peptide clinics, compounding pharmacies, telehealth platforms, med spas, IV therapy providers, hormone clinics, supplement brands, and wellness operators. If your business has been declined or terminated by a standard processor, we can likely work with you. Apply and we will tell you directly.
Yes. Peptide clinics are one of our core verticals. We have a dedicated RUO (Research Use Only) processing program built specifically for peptide operators, with a correct MCC code assignment and a bank-reviewed compliance framework. Approval decisions are made within 2 to 4 business days. Read our complete peptide clinic payment processing guide.
Majority of our merchants go from first application to live processing in < 5 business days.
The initial application itself takes under a minute and our team connects with you. Once you submit your full merchant application (takes < 10min), our in-house underwriting team reviews it within 2 to 4 business days. No generic risk models. A real person makes the decision. Once approved, account setup with your own MID and gateway integration take less than one day. All turn-key and seamless.
Rates are disclosed upfront during the application process and are specific to your business type, processing volume, and risk profile. We have no hidden fees. We have no startup/onboarding fees.
Reserve requirements depend on your business type, processing history, and chargeback profile. When reserves are required, the amount, structure, and release schedule are disclosed on your agreement. Learn more about rolling reserves.
Reserves decrease as your account establishes a positive processing history. We do not hold reserves indefinitely or increase them without notice.
No. We use our own vertical-specific underwriting criteria built around the actual regulatory landscape of health and wellness operators.
LegitScript is one compliance pathway. It is not the only one, and it is not a requirement to work with us.
Yes. Subscription and continuity billing are fully supported. We configure your gateway and fraud protection tools specifically for recurring billing to reduce false declines and manage chargeback exposure.
Many of our merchants run subscription models in the supplement and wellness space, and our dispute resolution setup is designed for that billing structure.
We configure Rapid Dispute Resolution (RDR) for eligible merchant accounts. RDR resolves disputes automatically before they escalate to formal chargebacks, which protects your chargeback ratio and prevents the account flags that lead to terminations. Your dedicated account manager monitors your chargeback profile and will alert you if thresholds approach levels that require action.
We support all major payment gateways including NMI, Authorize.net, and others. Your dedicated account manager will work with you to integrate the gateway that fits your existing tech stack. If you have a specific gateway requirement, include it in your application and we will confirm compatibility.
We're available before, during, and after the application process. Reach out anytime and we'll respond within one business day.
hello@diviorpayments.comYou don't deserve being misled by people who can't bring you a real, stable solution.
Let us help you get your own MID, up processing in days, and receive next day funding.
It's a lot of letdowns out there. We hear about it daily. But every merchant we meet with goes from skeptical to "why haven't I found you guys sooner?"
Let us answer your hard questions other processors avoid.