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 Strategy
Direct Underwriting vs Brokered Processing for Peptide Merchants
A clear breakdown of why direct underwriting gives peptide merchants a stronger review path than brokered processing, and what questions expose the difference before you sign.
Payment Processing
What Chargeback Ratio Gets Your Merchant Account Terminated?
A practical explanation of Visa's updated VAMP thresholds, how chargeback ratios are calculated, and what puts a merchant account at risk of termination.
Regulatory Compliance
LegitScript Certification: Do You Actually Need It?
A straightforward guide to when LegitScript matters for payment processing, what it costs, and why the requirement depends on your processor structure.
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.
Payment Infrastructure
What Is a Rolling Reserve and How Does It Affect Your Merchant Account
A direct explanation of how rolling reserves work, why processors use them, and what merchants can do to negotiate stronger reserve terms.
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 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.
Hormone Therapy Payment Processing
TRT and HRT Clinic Payment Processing
Payment processing guidance for TRT, HRT, and hormone optimization clinics preparing processor-ready underwriting files.
Hormone Therapy Payment Processing
Telehealth TRT Payment Processing
How telehealth TRT clinics can prepare licensure, intake, prescribing, pharmacy, billing, and website documentation for payment review.
Hormone Therapy Payment Processing
Recurring Billing for TRT and HRT Clinics
Recurring billing controls for TRT and HRT membership clinics, including authorization, cancellation, descriptors, refunds, and dispute evidence.
Hormone Therapy Payment Processing
Why TRT Clinics Get Flagged by Payment Processors
A clinic-focused explanation of the documentation, billing, telehealth, pharmacy, and claims-language patterns that can trigger processor review.
Hormone Therapy Payment Processing
Chargeback Prevention for Hormone Optimization Clinics
Operational controls hormone optimization clinics can use to reduce avoidable billing confusion, refund disputes, and processor review risk.
Hormone Therapy Payment Processing
LegitScript and NABP for Hormone Therapy Clinics
A practical guide to LegitScript and NABP certification paths for hormone therapy clinics preparing for payment and platform review.
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