DIVIOR Editorial Team
Michelle Mallett
Associate Writer & Editor
Michelle Mallett is an Associate Writer and Editor at DIVIOR, where she covers the intersection of payment processing, regulatory compliance, and the health and wellness industry. Her work focuses on helping operators understand the systems that govern how their businesses get paid. And what to do when those systems fail them.
Her writing spans high-risk merchant account strategy, FDA regulatory frameworks for peptides and nutraceuticals, BIN sponsorship structures, and the underwriting mechanics that determine whether a processor will approve or decline a health and wellness business. She brings a research-first approach to every piece, translating complex financial and regulatory topics into clear, actionable guidance for clinic owners, supplement brands, and telehealth operators.
Published Work
Articles by Michelle Mallett
Payment Processing
The Complete Guide to High-Risk Payment Processing
Everything health and wellness operators need to know about high-risk merchant accounts, from underwriting criteria to chargeback thresholds and how to build a stable processing relationship.
Merchant Accounts
Why Standard Payment Processors Terminate Peptide Merchant Accounts
A detailed look at why standard processors like Stripe flag and terminate peptide businesses, and what operators need in a processor that is actually built for this vertical.
FDA Regulatory
FDA Category 1 vs. Category 2 Peptides: What Merchants Need to Know
A clear breakdown of the FDA's peptide classification framework and what the Category 1 and Category 2 distinction means for clinics, compounding pharmacies, and their payment processors.
Peptide Clinics
The Peptide Clinic Payment Processing Guide
A practical guide for peptide clinic operators navigating merchant account applications, processor requirements, and the underwriting process for high-risk health businesses.
Payment Infrastructure
What Is a BIN and Why Owning One Matters
An explanation of Bank Identification Numbers, how BIN sponsorship works, and why access to a dedicated BIN is a critical infrastructure advantage for high-risk merchants.
Regulatory Update
How the RFK Peptide Reclassification Affects Your Clinic
RFK Jr. signaled a reversal of the 2023 peptide ban. Learn which 14 peptides may return to Category 1, what reclassification actually means legally, and how it affects your payment processing infrastructure.
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