Large tickets deserve better than retail rates.
A practice that collects the patient's share on cards pays fees on some of the biggest tickets in local business. Set it up right and most of that cost shrinks a lot. Or it moves off your books.
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What practices are up against
Big tickets, big fees
3% on a $1,200 treatment plan is real money. And it repeats all day. Practices feel card costs more than almost any other business.
Payment plans need structure
Caring for patients often means letting them pay in parts. That needs a card on file, a set schedule and clean reports.
Front desk isn't a bank
Your staff should not have to chase balances. They should not re-key cards or match up books by hand.
The program fit
Surcharging
Details →Patients pay by credit card far more than most. That makes the disclosed credit surcharge work well here. Credit only, capped, never on debit.
Interchange plus
Details →Would you rather eat the fee quietly? Pay true wholesale cost plus a small markup we agree on. Not a padded flat rate.
Related payment options
- Ways to lower your processing fees
The programs that cut the biggest line on your statement.
- Surcharging for medical and dental offices
Patients pay by credit card far more than most. That makes the disclosed credit surcharge work well here. Credit only, capped, never on debit.
- See what our clients say
Real Seattle-Tacoma businesses, five stars.
- Clover for medical and dental offices
Easy checkout for the front desk. Keeps a card on file. Reports your bookkeeper will like.
- Get a free rate analysis
See your real numbers before you decide anything.
Fair questions
Should a medical office add a card surcharge?
It is common, and in Washington it is allowed under the card network rules. A compliant surcharge has several requirements, not just a couple: advance notice registered with the card networks, a cap (Visa 3%, Mastercard 4%, never above your actual cost of acceptance, whichever is lower), disclosure before payment, and its own itemized line on the receipt. Debit, HSA and FSA debit cards are never surcharged. Rules vary by state, so this is scoped to Washington; see our Washington surcharge rules for the full detail. We handle the network registration and the rest of the setup so it's done right.
Can payment plans run on their own?
Yes. Keep a card on file and charge it on a set schedule. Receipts and reports come with it. No chasing at the front desk.
Do you offer patient financing?
Yes. Financing programs let patients pay over time. The practice is paid in full up front.
How does this interact with HSA/FSA cards?
They run like any other card, and they are never surcharged. The terminal knows the difference, not your staff.
Is the card gear compliant for a clinic?
The card hardware is standard and PCI-compliant. We work with your practice software. We do not disturb it.
See what your practice keeps.
One statement, 24 hours, your real number in plain English.