Acquiring Banks
Structured due-diligence support for healthcare merchant onboarding.
Acquiring banks carry direct exposure when a healthcare merchant's website, claims or fulfillment do not match what was represented at underwriting. ScriptClear is designed to give bank risk and compliance teams a structured, evidenced view before and after onboarding.
- Audience
- Partner and enterprise
- Engagement
- By discussion
Partner program now forming. ScriptClear does not represent that any acquiring bank recognizes or endorses its certification.
Example Health, Inc.
example-health.com
- Verification ID
- SC-000000-EXAMPLE
- Certification scope
- Telehealth platform, direct-to-patient, 12 states
- Review completed
- Pending program launch
- Renewal due
- Annual from date of issue
This is an illustrative layout. No certifications have been issued, and no business shown here is certified.
- For
- Processors, banks, platforms
- Shared view
- Certified scope and status
- Signals
- Material-change alerts
- Program stage
- In formation
On this page
What this page covers
- 01Why this matters to acquirersHealthcare merchant risk rarely shows up in the application alone.
- 02What is reviewedEntity, ownership and business-model visibility.
- 03Funds flow and servicesHow money and product move behind the transaction.
- 04After onboardingMonitoring doesn't stop at approval.
- 05Permissioned reportsReports the merchant authorizes, delivered to the bank directly.
Why this matters to acquirers
Healthcare merchant risk rarely shows up in the application alone.
Merchant applications describe the business as its principals intend it to operate. ScriptClear's review is built to check that description against the live website, checkout flow, fulfillment claims and supporting documentation before a merchant account is approved or renewed.
- Entity structure and beneficial-ownership representation
- Whether the underwritten business model matches the live website
- Claims that could trigger chargeback or reputational exposure
- Fulfillment and provider relationships behind the storefront
What is reviewed
Entity, ownership and business-model visibility.
- Legal entity name, structure and ownership as represented publicly
- Website content mapped against the underwritten business description
- Service and product descriptions versus actual delivery model
- Provider, pharmacy and fulfillment relationships supporting the offering
- Subscription, refund and cancellation terms shown to cardholders
- Prior findings or open remediation items, where authorized
- Consent and disclosure package
- Provider licensure summary
- Intake questionnaire export
- Pharmacy relationship documentation
- Website reviewedcomplete
- Intake reviewedcomplete
- Corrective actions completedcomplete
- Human assessment pendingnot yet complete
- Monitoring activenot yet complete
Funds flow and services
How money and product move behind the transaction.
A due-diligence packet is only as useful as its picture of what the merchant actually delivers for the charge on the statement. Review maps the services or products sold against the funds flow the bank will process.
- 1
Service mapping
What is being sold is documented against what the website and checkout represent to the cardholder.
- 2
Funds-flow review
The path from patient payment to provider, pharmacy or fulfillment partner is documented, where the merchant can evidence it.
- 3
Risk classification
Findings are classified by severity so a bank's risk team can prioritize review.
- 4
Monitoring setup
Where certification proceeds, monitored pages and alert types are configured for the bank's onboarding record.
After onboarding
Monitoring doesn't stop at approval.
Healthcare merchant websites change frequently — new claims, new states, new subscription terms. Continuous monitoring is designed to flag material changes to a certified merchant's monitored scope so an acquirer isn't relying on a point-in-time snapshot.
- Alerts for material changes to monitored pages
- Periodic re-verification of certification status
- Escalation path when monitored findings reopen
FAQ
Questions we hear often
- Does ScriptClear certification mean a bank must approve the merchant?
- No. Certification and diligence reports inform a bank's own underwriting decision. ScriptClear does not imply bank recognition or approval, and every bank makes its own independent decision.
- Can a bank request a review directly?
- Banks can inquire about the partner program. A review of a specific merchant proceeds with that merchant's cooperation and authorization.
- Is this a replacement for a bank's own underwriting process?
- No. It is designed to supplement underwriting with a structured, evidenced view of the merchant's website, claims and fulfillment model.
Not sure where your organization stands? Start with a preliminary eligibility check.
Compliance should be clear, not complicated
Scope a due-diligence pilot for a defined set of merchants.
We'll structure an initial pilot around your onboarding workflow — a small merchant set, a defined report type, and a review point before expanding.
Know where you stand. Fix what matters. Stay ready.