Why underwriters look closely at medical marijuana cards & doctors
Cannabis is federally illegal
Card brands don’t allow cannabis product sales on their networks. Evaluation services sit next to that line, so acquirers look closely.
Medical licensing
Evaluations must be done by licensed providers following state program rules.
Approval expectations
Patients who aren’t approved for a card dispute the fee.
A payment setup that fits
How we usually set up medical marijuana evaluation providers. Your consultant tailors it to how you actually sell.
- 1
Services only
The account covers evaluations and renewals, never cannabis products or delivery.
- 2
Clear refund terms
State up front that the fee pays for the evaluation, not a guaranteed card.
- 3
Telehealth-ready payments
Payment links, and cards on file for renewals.
What you’ll need to apply
Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.
- Government ID for every owner with 25% or more
- Voided business check or bank letter
- Recent business bank statements
- Recent processing statements, if you have taken cards before
- Articles of incorporation and EIN letter
- A website with clear pricing, refund, cancellation and contact details
- Licenses for each evaluating provider
- The state program rules you follow
- Telehealth platform details
- Refund policy for patients who don’t qualify
Why applications get declined, and how to avoid it
- Any sale or delivery of cannabis products
- Marketing that guarantees approval
- Providers not licensed in the patient’s state
We review your website, policies and statements against these before anything is submitted.
Keeping the account healthy after approval
Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.
- Keep marketing about the medical evaluation, not the product
- Explain approval criteria before payment
- Refund patients who don’t qualify when your policy says so
Medical marijuana cards & doctors: common questions
Can we sell cannabis products on this account?
No. Card brands prohibit cannabis sales. This account is for evaluation and renewal services only.
Do telehealth evaluations get approved?
Yes, with licensed providers and clear patient terms. Acquirers check both.
What about CBD?
Hemp-derived CBD is a separate category. See our CBD & hemp page.
What happens after I’m approved?
We keep working with you. Our platform gives you one view of every account, and we review your chargebacks, approval rate, fraud tools and fees with you so the account stays healthy and gets cheaper over time.