1. Why we did this

Aminova refuses to send a prescription charge to a mainstream card processor. Not as a policy preference — as a hard block in the software, on by default, because the alternative is a clinic discovering the rule the way most clinics discover it, with its payouts frozen.

That block created an obligation. Telling a clinic what it cannot do is only useful alongside a working answer for what it should do instead, and “go find a high-risk processor” is not an answer for a solo practitioner who has never heard the term.

2. What the partnership is — and is not

Each clinic holds its own merchant account, underwritten in its own name, contracted directly with Corepay. Aminova makes the introduction and builds the integration. We do not hold the account, we are not in the flow of funds, and settlement goes to the clinic’s bank without passing through us.

We receive a referral fee from Corepay on clinics we introduce. It comes out of their margin rather than the clinic’s pricing, and a clinic’s rate is the same whether it arrives through us or on its own. We would rather say that plainly here than have anyone find it out later.

3. Two ways to run it

Split billing, which is what we recommend: keep your existing processor for consults, memberships and retail, and let Corepay take only the medication charges. High-risk processing costs more per transaction by design, so routing your whole book through it means paying that premium on routine visits too. Or everything through Corepay — one merchant account, one statement, one reconciliation. Sensible when most of your revenue is medication anyway, or when you have been dropped once already and would rather leave nothing behind that can be frozen a second time.

Aminova routes each charge to the right rail automatically. Nobody at the front desk has to remember which is which.

4. Connecting takes about a minute

Corepay underwrites the clinic and issues the credentials. In Aminova, you paste three values into Settings → Integrations → Corepay, and we verify them against the gateway before storing them — so a typo tells you in three seconds rather than three weeks later at the counter.

After that, medication charges route on their own. Saved cards, refunds, same-day voids and receipts all behave the way they already do, and everything lands in one billing history whichever rail took the money.

Your API key never leaves our server — the settings screen only ever shows a masked value. Connecting or disconnecting re-prompts for your password, the way a payout change should. Disconnecting overwrites the stored key rather than hiding it behind a flag, because a disconnected integration still holding a live credential is a key nobody is watching any more.

The full detail, including how the two models compare for different revenue mixes, is on the Corepay partnership page.

5. The honest caveats

High-risk processing is more expensive per transaction. That is what the underwriting buys, and it is why we recommend the split rather than pushing everything through it.

Underwriting is a real review, not an instant sign-up, and if you are not already LegitScript certified that comes first and is the long pole. We have written up what certification actually costs separately.

And you are not required to use it. Medication payments can run on an in-clinic terminal, by ACH, or on any permitting processor you already hold. Corepay is simply the one we have done the integration work for, so it is the one that is a single click inside the product.

We would rather publish those three caveats here than have a clinic find them out during underwriting. The reason this partnership exists at all is that we blocked something and owed people a working alternative — that is a weak position from which to oversell the alternative.

6. Frequently asked questions

Does Aminova take a cut of my payments?

Not out of your rate and not out of your settlement — we are not in the payment flow. Corepay pays us a referral fee on clinics we introduce, out of their margin. Your pricing is the same either way.

Who owns the merchant account?

The clinic. It is underwritten in your name and contracted directly with Corepay. We make the introduction and build the integration; we never hold the account.

Do I have to move all my payments?

No, and we recommend against it for most clinics. Split billing keeps your existing processor for everything it is happy to handle and sends only medication charges to Corepay.

Is Corepay required to use Aminova?

No. You can collect medication payments on a terminal, by ACH, or on any high-risk processor you already have. Corepay is the one that is one click inside the product.