At DIVIOR GROUP LLC ("Divior," "we," "us," or "our"), compliance is foundational to everything we do. As a merchant services provider serving health and wellness businesses in regulated verticals, we are committed to maintaining the highest standards of regulatory compliance, data security, and operational transparency.
Divior operates as a specialized division within the institutional infrastructure of USAG Inc. Through this partnership, our merchants gain access to enterprise-grade processing capabilities, established banking relationships, and a platform that has facilitated over $60 billion in transaction volume.
This infrastructure provides our merchants with dedicated BIN (Bank Identification Number) access, registered Financial Service Provider (FSP) capabilities, and the financial stability of an established processing network. This structure enables us to underwrite and serve merchants in health and wellness verticals that many traditional processors are unable or unwilling to support.
All processing is conducted through fully domestic (United States-based) infrastructure. We do not route transactions offshore, ensuring clear regulatory jurisdiction, faster settlement times, and greater transparency for merchants and their customers.
Our processing infrastructure maintains compliance with the Payment Card Industry Data Security Standard (PCI DSS). This includes:
All data transmitted through our website and processing systems is encrypted using industry-standard TLS (Transport Layer Security) protocols. Sensitive merchant and transaction data is encrypted at rest using AES-256 encryption.
Access to merchant data and processing systems is restricted to authorized personnel on a need-to-know basis. We employ multi-factor authentication, role-based access controls, and regular access reviews to ensure the security of our systems.
Divior maintains a comprehensive Anti-Money Laundering program in compliance with the Bank Secrecy Act (BSA) and applicable FinCEN regulations. Our AML program includes:
Our underwriting process is designed to be thorough, fair, and transparent. We evaluate each merchant application based on:
We specialize in health and wellness verticals and understand the unique regulatory landscape of these industries. Our underwriting team evaluates businesses in these sectors based on their individual merits, without the blanket risk categorizations applied by many traditional processors.
Prohibited Marketing Practices: Divior does not underwrite merchants in the peptide, supplement, or related health and wellness verticals that utilize "not for human consumption" or "for research purposes only" disclaimers for products reasonably understood to be intended for human use. This requirement reflects current FDA enforcement guidelines and card network rules from Visa and Mastercard, both of which treat such disclaimers as misleading when applied to products marketed for human health outcomes. All products must be marketed transparently and in accordance with their actual intended use. Merchant applications that include or reference such disclaimers will not be approved.
We work proactively with our merchants to manage chargebacks and disputes. Our approach includes:
If a merchant's chargeback ratio approaches concerning levels, we work collaboratively with the merchant to identify root causes and implement corrective measures, rather than issuing immediate terminations.
Compliance is not a one-time effort. We maintain ongoing compliance through:
The information on this page is provided for general informational purposes only and does not constitute legal, regulatory, or compliance advice. Nothing on this page should be construed as a guarantee of approval, specific processing terms, or regulatory status.
Divior's compliance framework is subject to change as regulations evolve. Merchants are responsible for maintaining their own compliance with all applicable federal, state, and local laws and regulations governing their specific business activities, including but not limited to FDA regulations, state pharmacy board requirements, telehealth licensing, and any other industry-specific regulatory obligations.
Divior Group LLC operates under the institutional infrastructure of USAG Inc. References to processing capabilities, BIN access, and FSP registration reflect the infrastructure available through this partnership. We recommend that merchants consult with their own legal counsel regarding compliance obligations specific to their business.
If you have any compliance-related concerns or wish to report a potential violation, please contact us immediately:
DIVIOR GROUP LLC
Attn: Compliance Department
18575 Jamboree Road, Suite #300
Irvine, CA 92612
Email: hello@diviorpayments.com
All reports are treated confidentially and investigated promptly.