One account for the
whole practice.
Most prescribing clinics end up running two processors — one that tolerates the medication, another for everything else. Aminova partners with The Payment Doctor so both sides can be underwritten on a single merchant account, in the clinic’s own name.
No fee from Aminova and no markup. The merchant account is the clinic’s own — we make the introduction, we don’t sit in the money.
One checkout, one receipt
Underwritten for both sides — prescription revenue and ordinary revenue on the same account.
In the clinic’s name — the agreement is between the clinic and the processor. Funds settle to the clinic.
A terminal on the counter — Aminova sends the amount to it, so nobody retypes a total.
Not a guarantee of approval. Underwriting is still underwriting.
Why this partnership exists
Two processors is a workaround, not a design.
Mainstream aggregators prohibit prescription drug sales in their terms, and they enforce it retroactively — usually once volume is high enough to trip a risk model. So a clinic that wants to keep its ordinary processing bolts a second, high-risk account on beside it, and lives with the consequences: two portals, two statements, two settlement schedules, two reconciliations at month end.
Clinics put up with that because the alternative used to be worse. It is a real cost though, and it is paid every single month by whoever closes the books.
Aminova still will not send a prescription charge to a processor whose terms prohibit it. That block stays, and it is on by default.
What this partnership changes is the account the charge goes to instead — one that was underwritten to carry the rest of the practice as well.
The boundaries, stated plainly
An introduction to underwriting, not a change in who holds your money.
Payments is the part of a platform where it matters most who is standing where. So this is the whole of it, on one screen.
What it is
The processor we point clinics to — underwritten for prescription revenue and ordinary revenue alike, so one account can cover the practice.
The clinic’s own merchant account, in the clinic’s name, with the processing agreement between the clinic and the processor.
Revenue settling directly to the clinic’s bank.
A checkout inside Aminova that knows which rail a charge belongs on, and a terminal it can push a total to.
What it is not
A payment facilitator arrangement. Aminova is not one and does not intend to become one.
An account held by Aminova on your behalf. We are not a party to it.
Funds flowing through Aminova. They never do.
Something you must bolt on beside your current processor — though you can keep that one and route only medication charges here if you prefer.
That mirrors how we treat every regulated account on the platform. Your processor is yours. Your prescribing credentials are yours. Your lab account is yours. Aminova connects them; it does not own them — and an account you hold is an account you can take with you.
At the checkout
One patient, one total, one receipt.
Each line settles where it is underwritten to settle. The patient sees none of it — and neither does the front desk.
| Line item | Which rail |
|---|---|
| Office visit, consultation | Ordinary |
| Membership or programme fee | Ordinary |
| Retail — skincare, supplements | Ordinary |
| Prescription medication | Underwritten |
| Compounded medication | Underwritten |
On one underwritten account both columns are the same account, and the split stops being something anyone has to think about. On two, the software still routes each line for you — the difference is how many statements arrive at the end of the month.
Boarding
What actually happens, in order.
They underwrite the clinic
You bring your service menu — what you actually sell, including the medication lines — and they underwrite against it. The merchant account is issued in your clinic’s name. Rates and settlement are between you and them; we do not set them and we do not see them.
You connect it in Aminova
Settings › Payments & Plans, once. From then on the checkout knows which rail a line belongs on, receipts go out on their own, and a card on file works the way a card on file should.
The counter stops retyping
For card-present visits, Aminova sends the total straight to a countertop terminal. The patient taps, the charge lands on the right line of the right visit, and nobody keys an amount into a second device and hopes it matches.
What we’d want to know, if we were you.
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 and we do not mark anything up. You contract with the processor directly, the merchant account is yours, and the money settles to your bank without passing through us.
Do I have to leave the processor I already use?
No. Plenty of clinics keep their existing account for visits and memberships and route only medication charges to the underwritten one. One account is simpler at month end; two is perfectly workable, and the software routes each line either way.
Is approval guaranteed?
No, and anyone who tells you otherwise is selling something. Underwriting is still underwriting — what the partnership changes is that you are applying to a desk that already understands what a prescribing clinic sells, rather than one that will approve you now and reconsider in eight months.
Where do I see payouts, statements and disputes?
In the processor’s own portal, not in Aminova. Charging, refunds and receipts live in Aminova because they belong to the visit; payouts, statements and dispute handling belong to the merchant account, which is yours rather than ours. We would rather say that plainly than build a second, worse copy of a screen you already have.
Can I keep the card reader I already own?
Almost certainly not, and this catches people out. A terminal bought from one processor is locked to that processor — a Clover, Square or Stripe reader cannot be moved to another account, whoever you switch to. Budget for a terminal when you change rails, and ask before you buy one so it is a model the checkout can push a total to.
What actually counts as a medication charge?
Anything the patient is paying for the drug itself — a vial dispensed at the counter, a compounded prescription, a monthly medication fee inside a programme. A consultation that results in a prescription is a professional service and is not a medication charge. Aminova classifies each line from what it is, not from what the invoice is called.
Bring us your service menu.
It is the thing underwriting actually reads, and it is the fastest way to know whether one account can carry your practice or whether you are better off splitting.
More on the partnership: Aminova partners with The Payment Doctor · Corepay