Recovery studios, med-spas, cold plunge and sauna sellers, wearables and wellness tech — businesses that take payments in person, online, and on recurring memberships, often all three. WRFS puts it in one account with one statement and one team watching the risk.
The front desk runs on one provider, the online store on another, memberships on a third — three statements, three support lines, and none of them understands why a recovery studio selling supplements at the counter keeps getting flagged.
Terminals, online booking and ecommerce under a single merchant account with card-present pricing where it applies.
Recurring memberships, class packs and renewals with dunning and card-updater tools that cut involuntary churn.
Affirm, Klarna and payment plans turn a $4,000 sauna or plunge from a hard sell into a monthly payment.
Selling supplements or recovery tech alongside services? Underwritten properly so the mix never surprises the bank.
The strongest wellness businesses run on two engines: recurring membership revenue that makes every month predictable, and high-ticket equipment or package sales that make good months great. Both engines are payments problems before they're marketing problems.
Memberships need clean recurring billing — clear terms, easy pausing, automatic card updating — or churn and disputes eat the base. High-ticket sales need consumer financing at checkout, because a $4,000 decision becomes a $180-a-month decision. WRFS wires up both on one account.
Interchange-plus, published up front. Card-brand interchange passes through at cost — the WRFS margin is the only variable, and it drops as volume grows. No teaser rates, no surprise mark-ups buried on page four of a statement.
| Monthly Volume | Per Transaction | Rate |
|---|---|---|
| $0 – $50K / moGetting started | $0.28 | IC + 1.30% |
| $50K – $150K / moScaling | $0.22 | IC + 1.15% |
| $150K – $500K / moEstablished | $0.18 | IC + 1.00% |
| $500K+ / moTalk to the team | — | Custom pricing |
Rates shown are representative interchange-plus pricing for qualified wellness merchants and are confirmed at underwriting based on processing history and risk profile. Interchange and card-brand fees are passed through at cost. Card-present transactions typically qualify for lower interchange than online — one more reason unified accounts beat fragmented ones.
Membership billing that cuts churn, unifying in-person and online payments, and financing that sells high-ticket recovery equipment. Drop your email and get it the day it ships.
“We'd been shut down twice before finding WRFS. Having a backup account in place changed how we sleep at night — and how confidently we spend on ads.”
Upload the last 6 months of PDF statements — from every provider you use. WRFS reviews the whole picture and maps what a unified account would look like.
Upload up to 6 PDFs with basic contact details.
Pricing, disputes, refunds, reserves and processing fit are checked.
Plain-English findings and available options. No commitment, no obligation to switch.