Credit Card Processing for Medical, Dental and Anesthesia Practices

• Large balances. Self-pay procedures, deductibles, cosmetic cases and anesthesia fees mean high-dollar card transactions, and each one carries a percentage fee.
• Card-heavy patients. Most patients pay with credit, debit, or HSA/FSA cards.
• Opaque statements. Many practices are on bundled or tiered pricing and can't tell what they actually pay. (Here's how to read a processing statement.)
• No time to shop. Physicians and office managers are busy taking care of patients, not comparing processors.

1. Dual pricing for posted self-pay prices. If your practice publishes self-pay or cosmetic price lists, dual pricing shows two prices: a cash price and a card price. For example, $10.00 cash / $10.40 card scales to any fee schedule. The card price applies to all card payments, credit and debit, and the cash price is for cash only. Customers who pay by card cover the processing cost, so your practice keeps more. Learn more about our dual pricing program or what dual pricing is.

2. Clover at the front desk. Clover has dual pricing built in. New Clover equipment is included for dual pricing accounts, depending on volume. We configure it, provide signs for your check-in and checkout areas, and walk your front-desk team through a one-line explanation. See Clover dual pricing.

3. ACH for larger balances. For surgical deposits, payment plans and B2B invoices (such as anesthesia groups billing surgery centers), we offer ACH solutions. We don't accept personal checks through our programs.

4. Transparent standard processing. If dual pricing doesn't fit your patient population or payer contracts, we'll review your statement and recommend a cleaner pricing model instead. Here's how flat rate, tiered and interchange-plus compare.

• Physician and specialty practices
• Anesthesia groups
• Plastic and cosmetic surgery practices and med spas
• Dental and orthodontic offices
• Ambulatory surgery centers
• Physical therapy and wellness practices (online-first clinics: see telehealth payment processing)

• Payer contracts. Dual pricing is for posted self-pay prices. Check your insurance and network agreements for anything that affects how you can price patient balances.
• State rules. Florida law expressly allows cash discounts offered to all customers. Display both prices clearly before payment. Other states differ. Read Is It Legal to Charge a Credit Card Fee?.
• Patient communication. Post signs at check-in, put both prices on estimates, and give your team one sentence to use.
• Privacy. Card terminals shouldn't capture clinical information. Keep payment and clinical workflows separate.

This is general information, not legal or compliance advice. Talk to your healthcare attorney about payer and state requirements.

• No setup fees and no contracts.
• Up and running within 72 hours after approval.
• Support for healthcare practices, in English and Spanish.
• A free statement analysis before you change anything.

We don't advertise a single rate, because practices vary widely in volume and card mix. We'll show you the numbers from your own statement.

1. Send a recent processing statement through our contact page or call 786-383-1656.
2. We review it and show you current costs and options.
3. We set up Clover (or your chosen solution), signs and staff training.
4. You're live within 72 hours.