What the practice should do
- Accept the cards like other debit transactions
- Provide itemized receipts with service dates and descriptions
- Allow split tender when the HSA balance doesn't cover the full amount
- Post the payment type clearly in the patient ledger
Eligibility is the patient's responsibility
Most dental treatment is an eligible medical expense, but purely cosmetic procedures generally aren't. Patients should check with their plan administrator; don't advise on tax eligibility.
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
Do HSA cards cost more to accept?
They generally process like debit cards. Your statement shows the actual cost by card type.