Payment Processing for NC Medical Practices
Accept FSA/HSA cards, process high-ticket procedures securely, and cut processing costs by up to 90%. Compliant, reliable, local support.
Free · No contracts · No pressure
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The Healthcare Processing Problem
High-Ticket Procedures, Expensive Processing
Medical practices process high-ticket transactions — a single $3,000 procedure costs $75 to $105 in processing fees alone at standard rates. A $10,000 surgical procedure costs $250–$350. Multiply that by your daily patient volume, and processing costs become a significant burden on your practice margins.
Patients expect to pay by card. Insurance claims and reimbursement processes are complex, and many patients prefer paying out-of-pocket for elective procedures or copays by card. You can't avoid credit card processing.
But you shouldn't be paying 2.5–3.5% on every transaction. That money should stay in your practice to support staff, equipment, and patient care.
Real Numbers
Monthly Card Volume
$40,000
Standard Processor Fee (2.7%)
$1,080/mo
$12,960/year
Total Pay Solutions (3.3% avg)
$100/mo
$1,200/year
Annual Savings
$11,760/year
Accept FSA & HSA Cards — Open New Payment Options for Patients
One of the biggest advantages healthcare practices can offer is the ability to accept FSA (Flexible Spending Account) and HSA (Health Savings Account) cards. Many patients prefer using these pre-tax dollars for eligible medical expenses rather than paying out of pocket.
Our terminals accept FSA and HSA cards wherever Visa and Mastercard are accepted. This expands your patient payment options and can accelerate payment collection — patients are often eager to use their FSA/HSA balances before the plan year ends.
FSA Card Support
Flexible Spending Account cards process just like regular debit cards on our Clover terminals. No special setup required. Patients can use pre-tax dollars for eligible procedures.
HSA Card Support
Health Savings Account cards are widely used for medical expenses and work seamlessly on our systems. Patients appreciate the tax advantage, and it increases collection rates.
Instant Authorization
FSA and HSA cards verify instantly at the point of sale. No complex verification steps. Process payments as you normally would with any card.
Payment Plans & Patient Financing Options
High-ticket procedures often require payment flexibility. Clover allows you to set up payment plans directly within the system, letting patients spread costs over multiple months while you collect installment payments automatically.
For larger treatment plans or cosmetic procedures, we can connect you with patient financing partners who offer promotional financing (0% APR options) to qualified patients. This removes price barriers and helps patients say yes to necessary or elective care.
Many practices use a combination approach: small payment plans run through Clover, larger procedures financed through third-party partners. We'll help you identify which strategy works best for your practice type.
Security & Compliance — Built for Healthcare
Clear fact: Payment card data is not covered by HIPAA. HIPAA protects health information (diagnoses, treatments, medical history). Credit card and payment data are handled under PCI DSS (Payment Card Industry Data Security Standard), not HIPAA. We are fully PCI DSS compliant.
PCI DSS Level 1
We maintain the highest level of PCI compliance. Your patient payment data is protected by industry-leading security standards and encrypted end-to-end.
EMV & Tokenization
All transactions use EMV chip card technology and tokenization, which means card data is never stored on your devices. Fraudsters can't steal what isn't there.
Data Isolation
Payment data is completely separated from patient health records. No mixing of PCI and PHI data. We handle payments; your EHR system handles medical records.
Questions about HIPAA and payment processing? We're happy to clarify. Call us at 1-844-590-5044.
Healthcare Practices We Serve
Medical Practices
Primary care, specialists, urgent care. Multi-provider offices with varying patient payment types.
Dental Offices
General dentistry, orthodontics, cosmetic. High-ticket procedures, treatment plans, cosmetic electives.
Veterinary Clinics
Small animal and large animal practices. Pet parents often use cards for unexpected care costs.
Chiropractic
Wellness and treatment plans. Many practices use recurring payment models.
Physical Therapy
Rehabilitation and wellness. Treatment-plan billing and co-pay collection at intake.
Medical Spas / Medspa
Aesthetic treatments, wellness services. Elective procedures with high margins.
Why Healthcare Practices Choose Total Payment Solutions
FSA/HSA Card Support
Accept FSA and HSA cards directly. Patients can use pre-tax healthcare dollars for eligible services, which accelerates payment and increases collection rates.
Low Rates on High Tickets
On $3,000, $5,000, and $10,000+ procedures, standard processor rates are devastating. Our $100/month guarantee means you pay significantly less, especially on high-volume practices.
Front-Desk Terminal or Mobile
Choose Clover Flex for your front desk, or use Clover Go if you need to process payments in treatment rooms. Both options work flawlessly.
PCI Compliant & Secure
Full PCI DSS compliance, EMV technology, and end-to-end encryption. Your patient payment data is protected to the highest industry standards.
Detailed Reporting
Track payment types, transaction volumes, and trends. See which payment methods your patients prefer. Export reports for accounting and reconciliation.
24/7 Local Support
When you have a question or problem, you reach a real person in NC. Same-day support. No gatekeeping. Healthcare practices need reliable service — we deliver it.
What Healthcare Professionals Say
"Our dental practice was paying almost $1,200 a month to our old processor. Switching to Total Payment Solutions cut that to around $100. That's real savings we can reinvest into equipment and staff. Plus, our patients love being able to pay with their FSA cards — it's become a selling point when quoting treatment plans."
"As a multi-provider practice, we process a lot of high-ticket transactions. The difference between 2.9% and our old processor's rates was hurting us. Total Payment Solutions is transparent, competitively priced, and their support team understands healthcare. When we call with questions, we get real answers, not runaround."
Frequently Asked Questions
Do you accept FSA and HSA cards?
Yes. Our terminals accept FSA (Flexible Spending Account) and HSA (Health Savings Account) cards wherever Visa and Mastercard are accepted. Patients can pay for eligible medical expenses with their FSA/HSA balance directly. This is one of the biggest advantages healthcare practices can offer.
Can cash discount work for a medical practice?
It depends on your practice type. For elective procedures (medical spa, cosmetic dentistry, veterinary, cosmetic surgery), cash discount works very well and patients appreciate the transparency. For insurance-billed services, you'll want to discuss specific implementation with us because dynamics differ. We'll give you an honest assessment of whether it makes sense for your practice.
Do you handle insurance billing or claims?
No. We're a payment processing company, not a medical billing company. We handle the credit card and debit card payments from patients — insurance billing and claims remain your responsibility or your billing service's responsibility. We keep payment processing separate from billing complexity.
Can I set up payment plans for patients?
Yes. Clover allows you to process installment payments manually, and we can connect you with patient financing partners for larger treatment plans. Many practices use a combination of processing and third-party financing. We'll help you structure the right approach for your practice type.
Is your processing HIPAA compliant?
Payment processing data is not subject to HIPAA (it doesn't include protected health information like diagnoses or medical history). However, we take security seriously — all our systems are PCI DSS compliant, use end-to-end encryption, and meet the highest industry security standards. Your patient payment data is protected.
Cut Your Healthcare Processing Costs by Up to 90%
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