Merchant accounts for doctors, vets, opticians and dentists

Here we look at medical payment processing, enabling you to find the best account using our industry tips.

Medical payment options

There is no doubt about it, we are heading towards a cashless society. Doctors, vets, opticians, dentists and alternative therapy practitioners are no exception with some taking up to 90% of payments via credit and debit cards. Here we look at how to secure the best medical merchant accounts for both face-to-face payments and over the phone. We look at each specific industry and explore individual requirements for medical credit card processing.

Doctors merchant services

Although in the UK we are incredibly lucky to receive free healthcare, some NHS run surgeries still require the facility to accept credit card processing within the doctor’s office, examples of this include; additional vaccination payments and insurance health reports, which are normally charged at a nominal fee. Often these payments are taken over the phone rather than in person, when the appointment is booked or the report ordered. This can be done using a card machineor a virtual terminal, where customers card details are entered in a similar way to an online ‘check out.’ Securing GP merchant services is relatively straight forward and can be done using a mainstream account or provider. However, applying for merchant account for pharmacies is deemed high risk more details of which can be found here.

Vet credit card processing

Veterinary merchant services are often focused around face to face payments, using wireless terminals based at a reception point within the premises, however it doesn’t have to stop there, some surgeries use portable terminals for offsite visits and automated invoicing and billing for easy online payments. Our experts can talk you through the options available to you, finding the most suitable and affordable ways to accept card payments within veterinary clinics.


Card machines for dentists and opticians

Both private and NHS dentist and opticians charge for treatments which are normally made after the appointment within the practice. However, some require the ability to accept recurring payments for dental plans and monthly subscriptions, both are available through one merchant account. Our team of industry experts can help meet your business requirements working alongside your current medical booking andpayment systems if needs be.


Credit card processing fees for medical professionals

Fee’s involved with card processing vary from provider to provider, however we have a few tips which will ensure you get the bestlow costcredit card processing for your medical office. Following the three simple points below will mean that you do not pay over the odds;

  • Comparing accounts and quotes like-for-like is key when finding the right account for your needs. It sounds obvious, however merchant still fall into the trap of comparing accounts on rates alone. Watch out for hidden fees.
  • Review your merchant account and payment gateway providers regularly. This allows new providers the opportunity to undercut what you are paying currently and therefore will save your company money. Merchants often remain with the same provider for the duration of their business, which could cost them thousands.
  • Fees are negatable, meaning that when searching forcredit card processing for medical business big or small, you should get at least three different quotes. Negotiating between a few providers will ensure you get the very best deal available to you at that time.

How Merchant Advice Service can help

Merchant Advice Service work closely with medical credit card processing companies and brokershere in the UK and Europe. Speak to our industry experts about your requirements from online automated medical bill payment facilities to face-to-face payments for alternative therapy providers. Our service is free of charge, enabling you to speak with an advisor suited to your business needs first time around.


Declined application for card processing (Dentists)

Dentist merchant account applications can be declined by high street banks because of  increased risk which comes with cosmetic work within surgeries – including minor cosmetic services such as botox and teeth whitening. Examples of this also include incomplete course treatments.

Alternative card processing can be found by using a provider who has a specialist risk appetite within medical practice. Speak to our experts for further advice.




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