What to evaluate
- Integration with your practice management system (posting, ledgers, receipts).
- Patient-pay options: text-to-pay, card on file, payment plans.
- Membership plan billing for uninsured patients.
- Reconciliation: daily deposits that match the day sheet.
- Total cost of ownership: rate, monthly fees, hardware, contract terms.
Practice transitions are a good time to review
New owners often inherit a processor contract by default. A review during the transition can catch fees and integration gaps early.
Run the numbers
Blue = you enterGreen = calculatedGray = assumptionAmber/red = check this
$
Total card sales on your statement.
$
Add every fee line: discount, interchange, assessments, monthly, PCI, gateway.
Your effective rate
3.25%
Fees per year
$23,400
Avg. fee / sale
$4.88
Avg. ticket
$150.00
Effective rate is a diagnostic, not a savings quote. Card mix, card-present vs. keyed, and network rules change what any provider can offer.
Questions to ask your processor
- • Is my pricing interchange-plus, tiered or flat-rate?
- • What is your markup above interchange, in % and per item?
- • Which monthly, PCI, statement or gateway fees apply?
- • Is there an early-termination fee or equipment lease?
Request a payment reviewOptional. No statement upload needed here.
Estimates only. Results vary. No guarantee of approval, rates or savings.
Talk with a payments specialistCommon questions
Will switching disrupt my front desk?
Any change takes setup. A good review covers training, hardware and integration before you decide.