Payment processing for med spas, without the high-risk drama.
$2,000 laser packages. $500 injectable visits. Recurring memberships. Most processors flag your tickets as suspicious and freeze your funds. We don't. Reyna Pay underwrites med spas as standard merchants and handles your real workflows.
If you've been declined or had funds held by your processor, that's not your fault.
Med spas have legitimate transaction profiles that look high-risk to processors who don't know the vertical. The result: rolling reserves, frozen settlements, declined applications, and emergency calls to risk teams who don't return them. There's a better way.
- →Your $4,000 laser package transaction triggered a hold for review, money you can't access for 7 days.
- →Your membership program got declined because the processor doesn't understand recurring high-ticket cosmetic services.
- →Prepaid packages aren't tracked, so customers redeem them without it showing up on the books correctly.
- →Your underwriter classified you as 'high risk' and you're paying 4.5% effective rate when you should be paying 2.6%.
What med spas get when they switch.
Real outcomes from med spas running on Reyna Pay's processing platform.
We know your MCC. We approve your application.
Med spas frequently get hit with high-risk classification by generic processors because the ticket sizes look unusual and some services touch regulated categories. Our underwriting team knows the vertical. We approve med spas that other processors decline or hold reserves on. We don't freeze legitimate transactions.
Features built for med spas.
High-ticket transaction support, without the hold
Single transactions of $2,000 to $10,000 are routine for med spas. We don't flag, hold, or pause high-ticket transactions when the customer profile is consistent. Your $5,000 laser package settles tomorrow, not in 7 days when the risk team finally calls back.
Membership and recurring billing
Monthly membership programs with automatic billing, smart retry logic on failed payments, and clean dunning workflows. Card-on-file is mandatory for membership programs and we handle it natively. Member-only pricing applied automatically. Pause/resume controls customer-facing.
Prepaid package management
Customers pre-pay for a 6-pack of laser sessions, redeem one at a time. Reyna Pay tracks the package balance, attributes redemption to the technician who performed the service, and surfaces customers due for renewal pitches. Outstanding package liability shows up in your accounting reports cleanly.
Provider-level commission tracking
Just like stylist commission attribution, but for injectors, laser techs, and aestheticians. Track service revenue by provider for accurate commission and bonus calculation. Senior injector vs. junior tech rates handled separately. Reports show revenue per provider per service category.
How med spas actually use Reyna Pay.
Solo provider med spa
One nurse practitioner injector, room-rental setup. Membership program for repeat clients. Card-on-file for the package crowd.
Multi-provider med spa
RNs, aestheticians, laser techs all under one roof. Provider commission tracking. Service-category reporting.
Membership-driven model
Monthly membership unlocks discounted services. Recurring billing handles the renewal cycle. Retention dunning recovers failed payments before you lose the member.
Package-heavy laser practice
Prepaid 6-packs and 12-packs of laser hair removal. Balance tracking, redemption attribution, renewal pitches surfaced automatically.
Multi-location med spa group
Three or more locations under one brand. Separate MIDs for clean per-entity accounting. Roll-up reporting at the group level.
Med spa franchise
Franchisor-franchisee revenue splits handled cleanly. Each franchise location has its own MID. Royalty calculations exportable for franchise reporting.
“Two processors held our funds in our first month, one for 21 days. Reyna Pay underwrote us in 48 hours and we haven't had a single hold since. The package tracking alone is worth the switch.”
For med spas, we recommend SalonTransact.
Card-on-file, stylist commission attribution, no-show automation, and booking integration, built for salons.
Learn more about SalonTransactCommon questions for med spas.
Most med spa categories qualify for our standard underwriting, not high-risk. Some advanced regulated services may require additional documentation but typically still approve. We're significantly more flexible than most large processors on med spa MCCs.
Yes. Recurring billing is built in, with automatic retry on failed payments, customer-facing pause/cancel flows, and clean accounting separation between membership revenue and one-time service revenue.
Customers pre-pay for a package (e.g., 6 laser sessions). Each redemption decrements the balance. Reports show outstanding package liability, redemption velocity, and which customers are due for a renewal pitch. Outstanding balance liability flows to your accounting reports correctly.
Med spas with $50K+/month in volume typically qualify for interchange-plus pricing, which usually lands at 2.4-2.7% all-in depending on card mix. Memberships paid via stored card hit lower rates than card-not-present web transactions.
Not when your customer profile is consistent. We don't flag legitimate $5K-$10K transactions just because they're large, we look at customer history, MCC, and merchant risk profile holistically. Most med spas never see a hold.
Yes. Each provider gets their own login showing only their own services, tips, and earnings. Owners see everything across providers and locations.
Yes. Card-on-file gets pre-authorized at booking; balance captures at appointment. Deposits convert to cancellation fees automatically per your policy if the customer no-shows.
Solutions that power this industry.
Other verticals we serve.
From the Reyna Pay blog.
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