Merchant services for medical, dental and wellness practices
Copays, patient balances, payment plans and HSA/FSA cards, with processing that respects patient privacy. For clinics, dental, chiropractic, therapy and veterinary practices.
- Free statement analysis
- Month-to-month options
- $0 upfront equipment with qualifying agreement
- Local to Fort Bend & Houston
Get a free quote
Tony replies within 1 business day. No obligation.
Payments for medical & dental, without the runaround
Practices collect copays at the front desk, balances by mail or online, and payment plans over months. HSA and FSA cards are common. Payment systems should keep card data out of your practice management notes.
We'll set up countertop terminals, online bill pay and recurring payment plans, and review pricing. Practices with high average tickets and lots of debit often benefit from interchange-plus.
- Front-desk copay terminals
- Online patient bill pay
- Payment plans and card-on-file
- HSA and FSA card acceptance
- Tokenized card storage
- Integration with some practice systems
What a good medical & dental setup includes
Built around the way you take orders and get paid.
Front desk
Fast copay collection.
Online bill pay
Patients pay balances online.
Payment plans
Scheduled card or ACH payments.
Privacy-minded
Card data kept out of notes and email.
Interchange-plus
Transparent pricing for larger tickets.
Reconciliation
Deposits you can match to accounts.
Take every way your customers pay
One merchant account can cover the counter, the phone, the website and the job site.
Credit & debit cards
Visa, Mastercard, Discover and American Express (Amex may need separate approval), tapped, dipped, swiped or keyed.
Digital wallets
Apple Pay, Google Pay and other contactless wallets on any NFC-ready terminal.
Online & invoices
Payment links, a virtual terminal for phone orders, and website checkout through a payment gateway.
Mobile & on-site
Wireless terminals and phone readers for deliveries, job sites, markets and events.
ACH & eCheck
Bank-to-bank payments for larger invoices and recurring billing, usually at a lower cost than cards.
Recurring billing
Card-on-file and scheduled payments for memberships, retainers and service plans.
Three ways to price card processing
There's no single best model. We'll show you each one priced against your real numbers, then you choose.
Flat rate
One percentage plus a per-sale fee on every card. Easy to read, but you pay the same rate on a cheap debit card as on a premium rewards card.
- Predictable
- Simple statements
- Often costs more as volume grows
Fits: low volume, seasonal or brand-new sellers
Interchange-plus
You pay the card networks' wholesale cost (interchange and assessments) plus a fixed, disclosed markup. Every layer shows on your statement.
- Most transparent
- Markup stays fixed
- Usually lowest cost at higher volume
Fits: established businesses, larger tickets, B2B
Cash discount / dual pricing
Your posted prices account for card costs, and customers paying cash get a lower price. Card sales help cover processing instead of your margin.
- Offsets much of your processing cost
- Clear signage and receipts
- Not a surcharge
Fits: restaurants, auto, retail, service shops
Not sure which fits? Get a free statement analysis or read pricing explained.
Why business owners work with Cedarline
We're a small, independent agent. That means fewer layers between you and the person who set up your account.
One person who answers
You work with Tony directly, from the first statement review to go-live and after. No call-center queue to start.
Pricing you can read
Every quote shows the rate, per-item fee, monthly fees and any equipment terms in writing before you sign.
Options, not one platform
We compare programs from several partner processors and POS platforms, so the setup fits your business instead of the other way around.
Set up correctly
Cash discount signage, receipt settings, tip and tax settings, and test transactions are handled before you go live.
Get set up in three steps
From first call to first sale, without the guesswork.
Send a statement or tell us your plans
Existing business? Send one recent processing statement. Opening soon? Tell us what you'll sell and when.
Compare your options
You get a side-by-side of pricing models, equipment and terms, priced against your numbers.
Go live, tested
Approval, equipment programming, signage and test transactions, done before you rely on it.
Approval timing depends on the processor's underwriting. Most complete applications get a decision in a few business days.
Frequently asked questions
Can I accept HSA and FSA cards?
Yes. They run like debit or credit cards on a standard merchant account for eligible services.
Is cash discount allowed for medical practices?
There are additional considerations in healthcare, including payer contracts. Talk with your advisor before adopting any pricing program.
Do you handle HIPAA compliance?
Payment processing has its own security standards (PCI). We help you keep card data separate from patient records, but HIPAA compliance remains the practice's responsibility.
Other industries
Not sure what you're paying, or what you'll need?
Send a recent statement or tell us about the business you're opening. You'll get a plain-English breakdown and options, with no cost or obligation.