Why run Medpaid
through Checkout Champ?
Medpaid is purpose-built for health & wellness merchants. Paired with Checkout Champ's high-converting funnel infrastructure, you get payment processing that actually scales.
High-risk specialty processing
Supplement, nutraceutical, and health product merchants — categories mainstream processors routinely decline or terminate without notice.
Native Checkout Champ sync
Your MIDs connect in minutes — no middleware, no fragile webhooks. Orders, refunds, and chargebacks sync automatically in both directions.
24–72 hr approvals
Our underwriting team understands DTC health brands. We review your funnel — not just your bank statements. Decisions in days, not weeks.
Chargeback management
Proactive chargeback alerts, dispute tooling, and dedicated support — keeping your ratio in check so your MID stays healthy long-term.
Upsell & recurring-ready
Checkout Champ's 1-click upsells and subscription flows need a processor that won't flinch at high DTC volume. Medpaid is built for it.
Dedicated account manager
Every Medpaid merchant gets a real named contact — not a ticket queue. We monitor proactively and flag issues before they escalate.
Products we
love to process
Our medical team reviews every catalog against a three-tier eligibility framework. Understanding which tier your products fall into will help you know what's instantly eligible, what needs an LMN, and what gets in via the prevention pathway.
No LMN required
Cleared by SIGIS and IRS without a Letter of Medical Necessity. These go live the fastest.
- Prenatal vitamins (folic acid-containing)
- Glucosamine / chondroitin
- Therapeutic fiber labeled as a laxative
- Electrolyte products meeting Category Standard
Approved with a Letter of Medical Necessity
Dual-purpose products with clear medical use cases linkable to ICD-10 diagnoses — the majority of health supplement catalogs fall here.
- Condition-specific vitamins & minerals (D, B12, iron, magnesium)
- Disease-state supplements (omega-3, berberine, NAC)
- Products with published clinical evidence for a condition
- Herbs with peer-reviewed support (milk thistle, boswellia, ginger)
- Probiotics (IBS, antibiotic-associated diarrhea — LMN required)
Eligible with precise LMN language
"Soft evidence" doesn't mean ineligible. It means the clinical documentation needs to be more thorough — a licensed provider can still legitimately recommend these.
- Elderberry (recurrent URI, immune compromise)
- Valerian root (insomnia disorder)
- St. John's Wort (mild depression)
- Saw palmetto (BPH symptoms)
- Quercetin (allergic rhinitis, inflammation)
The Prevention Pathway
IRC 213(d) covers prevention of disease — not just treatment of existing conditions. A customer does not need an active diagnosis. They need a documented risk factor or pre-condition their own provider has identified.
Our medical team pre-validates which conditions and risk factors support each product. Customers select the condition that applies to them. A licensed provider in our network reviews the pairing and approves or denies the LMN.
If an HSA or FSA administrator requests clinical documentation to support a prevention-pathway claim, that responsibility rests with the customer.
Treatment Pathway
Customer has an active diagnosed condition
- Iron deficiency anemia → iron supplement
- Diagnosed IBS → peppermint oil (enteric-coated)
- Osteoarthritis → boswellia, glucosamine
- Migraine disorder → magnesium glycinate
Prevention Pathway
Customer has imminent risk of developing a condition
Customers select from pre-validated conditions. A licensed provider reviews the condition-product pairing and approves or denies the LMN. Administrators may request supporting documentation.
- Pre-diabetic (HbA1c 5.7–6.4%) → berberine, magnesium (aids prevention of T2D)
- Elevated triglycerides → omega-3 (aids prevention of cardiovascular disease)
- Osteopenia (T-score −1.0 to −2.5) → calcium, vitamin D (aids prevention of osteoporosis)
- Active statin use → CoQ10 (aids prevention of statin-induced myopathy)
Auto-eligible products (Bucket A) — no LMN needed
Prenatal Vitamins
Folic acid-containing formulas. Auto-cleared under SIGIS/IRS standards.
Glucosamine & Chondroitin
Joint support products with glucosamine as the primary ingredient.
Therapeutic Fiber
Products labeled as laxatives that meet the fiber category standard.
Electrolyte Products
Formulas meeting the electrolyte Category Standard for medical use.
LMN-eligible products (Bucket B) — approved with a Letter of Medical Necessity
Vitamin D, B12 & Iron
Condition-specific vitamins and minerals — some of the highest-volume LMN approvals we process.
Magnesium & Chromium
Strong prevention pathways for pre-diabetics and metabolic risk patients.
Omega-3 Fish Oil
Strong evidence for elevated triglycerides and cardiovascular disease prevention.
Berberine
Compelling evidence for pre-diabetes (HbA1c 5.7–6.4%) prevention of Type 2 Diabetes.
Calcium & Collagen
Prevention pathway for osteopenia patients at risk of progressing to osteoporosis.
NAC (N-Acetyl Cysteine)
Moderate-to-strong evidence for COPD, liver conditions, and OCD — one of the broadest evidence profiles in supplements.
Peppermint Oil (enteric-coated)
Cochrane-level evidence for IBS symptom relief — one of the strongest evidence tiers in herbal supplements.
Boswellia (AKBA)
RCT-backed for joint inflammation — strong pathway for osteoarthritis and inflammatory arthritis patients.
Garlic Extract
Meta-analysis support for lipid reduction — approvable for hyperlipidemia and CVD prevention.
Milk Thistle (Silymarin)
Hepatoprotective evidence for NAFLD/MASLD prevention in metabolic syndrome patients.
Probiotics
Approvable with an LMN for digestive conditions — e.g., IBS (K58.x) or antibiotic-associated diarrhea (K91.89).
Subscription & Auto-Ship Programs
Recurring billing works across all eligible product tiers. Once a customer qualifies — whether auto-eligible or LMN-approved — subscription and auto-ship orders process seamlessly through Checkout Champ.
Products & practices
we cannot support
We review every application against a detailed compliance framework. Some products are automatic disqualifiers — others may just mean a portion of your catalog is excluded. Understanding this upfront will save everyone time.
Disease Cure or Treatment Claims
Marketing that says a product "cures," "treats," or "eliminates" a specific disease — e.g., "cures diabetes" or "eliminates cancer" — is an FDA/FTC violation and an instant disqualifier.
Active FDA Warning Letter (last 3 years)
Companies with an unresolved FDA warning letter for health claim violations cannot be onboarded. Re-application is eligible after 12 months if resolved.
Prescription Drugs & Pharmaceuticals
Any product requiring a prescription or marketed as a pharmaceutical — regardless of claimed source or "natural" framing.
CBD, Hemp & Cannabis Products
No clear IRS guidance exists for CBD/hemp products. All cannabis-derived products — including delta-8, delta-9, HHC — are prohibited regardless of legality in your state.
Anabolic Steroids, SARMs & Hormone Precursors
Controlled substances, anabolic steroids, prohormones, selective androgen receptor modulators, and unsupervised hormone precursors (DHEA, pregnenolone without physician context) are all excluded.
Research Chemicals & "For Research Only" Products
Products sold as "research use only" but consumed by humans, regardless of how they're labeled.
LMNs Based Solely on Self-Reported Information
Per IRS 2024 guidance, Letters of Medical Necessity must be grounded in objective clinical evaluation — lab work, physical examination, or documented medical history. Questionnaire-only "approvals" are not valid and will be rejected.
Pure Sports Performance Products
Pre-workout stacks, stimulant formulas, and performance-only BCAAs with no medical condition pathway. These specific products will be excluded from your program — but don't disqualify your whole catalog.
Beauty & Cosmetic Supplements
Hair gummies, skin brightening blends, and pure aesthetics-focused products with no diagnosable condition link. These cannot be approved under IRC 213(d) standards.
General "Wellness Boost" Products with No Medical Angle
Immunity "boosters" or energy blends with no specific diagnosis pathway. If a product can't be linked to a recognizable ICD-10 condition — either treatment or prevention — it can't be approved.
Proprietary Blends with Undisclosed Amounts
Products that don't disclose individual ingredient amounts can't be medically justified in an LMN. Full label transparency (ingredient name, form, and dosage) is required for any approved product.
Brand Positioned Entirely Around Performance or Aesthetics
If your entire brand identity — across website, packaging, and ads — is performance or beauty with zero medical or condition-specific framing, we'll need to discuss repositioning before approval.
The catalog ratio rule
Our underwriting scores your entire product catalog. If fewer than 35% of your products have a clear medical eligibility pathway, we cannot build a compliant program — even if some individual products would qualify. A healthy mix is the baseline for approval.
IRS 2024 Warning: The IRS has flagged "fee-for-note" services that issue LMNs from self-reported information alone with no clinical review. Every Medpaid LMN requires individual review by a licensed, independent provider who approves or denies based on the customer’s stated condition and the specific product being purchased — not an automated system. Providers are compensated regardless of outcome, eliminating any financial incentive to approve.
Products on the "may exclude" list don't automatically kill your application. They just mean those specific SKUs won't be part of your Medpaid program. Many brands have mixed catalogs — we'll work through it with you during review and clearly document which products are in or out before you go live.
Apply for your
Medpaid account today
Tell us about your Checkout Champ store and products. Our team reviews every application personally — most merchants receive a decision within 24–72 hours.
Takes about 5 minutes to complete
