Soap is the AI-native payment infrastructure for compliant health DTC and higher-risk wellness merchants — peptide brands (including research-only / RUO categories), supplement and nutraceutical DTC, telehealth and telemedicine platforms, hormone and TRT clinics, NAD+ and longevity providers, GLP-1 and weight-management programs, and compounding pharmacy partners. One integration covers multi-processor orchestration, native subscription billing, KYC/KYB onboarding, 3DS authentication, geofencing, chargeback workflows, and acceptance across cards, ACH, RTP, Apple Pay, Google Pay, and crypto/stablecoins.
Coverage depends on product legality, advertising claims, geography, processor policy, and underwriting.
Subscription billing built for refills, GLP-1, hormone, NAD+, and longevity programs
Telehealth, telemedicine, Rx, and compounding pharmacy payment flows
Multi-processor orchestration and underwriting for higher-risk health DTC
Native subscription billing for supplements, nutraceuticals, peptides, GLP-1 titration plans, hormone draws, and longevity memberships. Smart retries, dunning, MID/BIN rotation, network tokens, and ACH fallback keep refill revenue moving. Recurring assent is captured separately from general terms with cancellation flows and statement-descriptor controls aligned to Visa, Mastercard, and ROSCA expectations.
Accept payments for telehealth visits, recurring refills, hormone optimization, weight-management programs, peptide therapy, IV therapy, and compounding pharmacy fulfillment with compliance-aware routing across cards, ACH, RTP, Apple Pay, Google Pay, and crypto/stablecoins. Hosted checkout and tokenized fields keep PCI scope down.
KYC/KYB, geofencing, 3DS/SCA, pre-dispute alerts, chargeback workflows, statement-descriptor controls, and optional chargeback protection — tuned for the regulatory and operational realities of health, wellness, telehealth, and RUO categories. Recurring evidence (separate consent, cancellation logs, stored-credential trails) is instrumented to make disputes easier to win.
Multi-processor coverage, MID redundancy, and high-risk routing for properly labeled research peptide brands and adjacent RUO categories that generic processors decline. Underwriting reflects scheme and acquirer policy on prescription items, internet pharmacies, pseudo-pharmaceuticals, and claims-sensitive products — so merchants stay placed instead of bouncing between MIDs.
The compliance and risk surface processors actually ask about — wired into one integration.
Soap is a fit for teams managing high-frequency payments, more complex settlement paths, or tighter operational and compliance requirements than standard checkout stacks can handle.
Peptide and research-only (RUO) brands needing reliable, MID-redundant processor coverage
Telehealth and telemedicine platforms running hormone, TRT, GLP-1, weight-loss, and longevity programs
Supplement, nutraceutical, and functional-beverage DTC brands scaling subscription revenue
Longevity clinics, NAD+ providers, IV therapy, and concierge medicine platforms with recurring care
Compounding pharmacy and Rx fulfillment partners with claims-sensitive product lines
Biohacking, performance, recovery, and wellness brands operating across higher-risk health categories
Cards, banks, and acquirers apply heavier scrutiny to claims-sensitive categories — peptides, semaglutide-adjacent compounds, hormone optimization, supplements, nutraceuticals, telemedicine, and compounding pharmacy fulfillment. Generic processors either decline these merchants outright or place them in restricted-acceptance buckets, where a chargeback spike, a marketing-claim review, or a single MID closure can take the business offline. Soap is built for that reality. Multi-processor orchestration, real-time auth-rate waterfalling, smart retries, and MID/BIN rotation keep approvals high across cards, ACH, RTP, Apple Pay, Google Pay, and crypto/stablecoins. Underwriting reflects the actual rules: prescription-item restrictions, internet-pharmacy review paths, pseudo-pharmaceutical guidance, and claims-sensitive product policy — so the right merchants land with the right processor partners on day one.
Recurring revenue is the engine of modern DTC health — monthly refill kits, quarterly hormone draws, GLP-1 titration plans, NAD+ protocols, longevity-clinic memberships, peptide therapy cycles. Soap delivers native subscription billing with smart retries, dunning, MID/BIN rotation, network tokens, and ACH fallback so refill revenue keeps flowing through processor changes and issuer reissues. Recurring assent is captured separately from generic terms; cancellation flows are first-class; statement-descriptor previews surface at checkout; trial reminders and renewal notices are event-driven. The pattern is aligned with Visa's stored-credential and free-trial rules, Mastercard's recurring acceptance and direct-online-cancellation requirements, and ROSCA's clear-and-conspicuous, express-informed-consent, simple-cancellation baseline.
Health and wellness merchants — peptide brands, supplement and nutraceutical DTC, telehealth platforms, compounding pharmacy partners, longevity clinics, biohacking brands — face heavier underwriting scrutiny than general-purpose commerce. Soap pairs automated KYC/KYB, document review, geofencing, and continuous monitoring with operator review for claims-sensitive products. Onboarding asks the questions processors actually want answered: product legality, marketing and labeling claims, fulfillment geography, prescriber and pharmacy relationships, refund and return policy, recurring model and trial structure. The result is faster placement with the right processor partners, fewer mid-portfolio surprises, and a paper trail that holds up under acquirer or scheme review.
Some peptide and research-only (RUO) categories may be supportable, but fit depends on product legality, marketing and labeling claims, geography, recurring model, and processor/acquirer underwriting. Soap is built to help merchants operate compliant programs — not to bypass FDA, FTC, DEA, or state regulations.
Yes for compliant prescriber-supervised telehealth and compounding-pharmacy flows that meet scheme and acquirer policy. DTC weight-management programs are reviewed individually — marketing claims, prescribing model, fulfillment partner, refund policy, and geography all factor into the placement decision.
Yes. Soap provides native subscription billing with smart retries, dunning, MID/BIN rotation, network tokens, and ACH fallback. Recurring consent and cancellation flows are designed to meet Visa stored-credential, Mastercard recurring, and ROSCA negative-option expectations, with separate assent capture and simple online cancellation.
Cards (Visa, Mastercard, Amex, Discover), ACH, RTP/FedNow, Apple Pay, Google Pay, and crypto/stablecoins through one integration. Multi-processor routing and MID redundancy keep acceptance high during MID rotations, processor changes, and volume spikes.
3DS/SCA authentication, statement-descriptor controls, pre-dispute alerts, chargeback workflows, and optional chargeback protection. Recurring evidence — separate consent capture, cancellation logs, stored-credential trails, fulfillment proof — is instrumented automatically so disputes are easier to win and chargeback ratios stay below scheme thresholds.
Days, not weeks, for in-scope merchants. AI reviews documents, validates supplemental requests, and flags issues in real time, while operator review handles claims-sensitive products. Underwriting depth scales with risk profile so the right merchants are placed quickly without skipping compliance steps.
Soap brings routing, onboarding, fraud controls, and compliance operations into one stack so teams can scale without duct-taping more infrastructure together.