8 BEST Healthcare Credit Card Processing Companies in 2025

Finding the right credit card processor is challenging for any business, but if you’re in the healthcare sector, there’s even more to consider.

That’s because not every processor offers HIPAA-compliant software or can integrate with software medical offices commonly use. And even those that do may not offer pricing models well-suited to your business. Just because one type of merchant account works for a physiotherapy clinic doesn’t mean it’ll work for a pharmacy.

That’s not to say you’re out on your own. I’ve researched dozens of credit card processing companies, and I’ve found some fantastic options that come with HIPAA-compliant software, excellent rates, and even free hardware. Leaders Merchant Services (LMS) is my top choice for its low rates and free POS hardware that comes with HIPAA-compliant payment tools. Plus, it offers tons of built-in security features to keep your data safe.

Let’s take a look at the best healthcare payment processing for medical offices available today.

What We Look For in the Best Healthcare Credit Card Processing For Medical Offices

There’s no one-size-fits-all approach to healthcare payment processing, but there are features that every medical office needs from its credit card processor.

• HIPAA-compliant software. Software that’s used to access or store patient information needs to be HIPAA-compliant. Every payment processor on this list has its own software or can integrate with HIPAA-compliant software tools, making it easier to manage your administrative tasks.
• E-commerce integrations. Whether you take appointment bookings online or allow patients to order and pay for their medication on your website, you’ll need e-commerce integrations to handle those transactions.
• Chargeback and fraud protection. Chargebacks and so-called “friendly fraud” can present a significant threat to healthcare businesses, particularly when insurance companies don’t cover as many costs as the patient expects. Good healthcare merchant accounts come with built-in protection against fraudulent chargebacks and aid in disputing them if they arise.
• Invoicing and payment plans. Depending on your practice, you may have patients who need to spread out the full cost of their bill or need extra time to pay your invoice. A good payment processor should offer a variety of payment plans so that your patients can pay for their treatment in whatever way suits them best.

1. Leaders Merchant Services: Best Deal for HIPAA-Compliant Processing

Not only does Leaders Merchant Services (LMS) have some of the lowest per-transaction rates I’ve seen for interchange-plus pricing, but you can also get free POS hardware from Clover depending on your plan. These top-of-the line devices come with HIPAA-compliant software and other specialized tools for managing your healthcare business, including invoicing, staff scheduling, recurring billing, and CRM software.

Established practices will appreciate LMS’s promise to meet or beat their current processing rates. It’s so confident that it can at least meet your current rates it’ll give you a $200 AMEX gift card if it can’t. So if you’ve been with your current credit card processor for at least two months, get in touch with an LMS sales agent – there’s a good chance that this credit card processor can lower your costs.

It’s hard to go wrong with LMS because it offers so many ways to tailor your processing plan to suit your practice’s specific needs and budget. On a contract, you can get free Clover hardware, but if you opt for a month-to-month plan, you can purchase your equipment outright. New healthcare offices will benefit from industry-low rates while large practices with multiple locations can negotiate for lower pricing and multiple free terminals. This goes to show the lengths LMS is prepared to go to provide the best solution for your healthcare business.

Features and Benefits

• Merchant cash advances. LMS offers merchant cash advances to all its customers. If you’re unable to qualify for traditional financing, you’ll still be able to secure funding for your business through LMS.
• 96% approval rate. If you’ve struggled to find a credit card processor for your healthcare business in the past, give LMS a try. In some cases, you’ll know whether you’ve been approved on the same day, and you’ll be able to start taking payments in a few days.
• Add-on services. You can also negotiate additional services like loyalty programs and subscription payments, both of which can be extremely helpful for medical offices and specialized services.
• 24/7 phone support. This is ideal for healthcare practices that take after-hours emergencies. No matter what issue you’re having, you can count on LMS support for help.

Read more about negotiating your rates in our Leaders Merchant Services review.

2. PaymentCloud: HIPAA-Compliant Processing for High-Risk Healthcare Firms

Most credit card processors might flag your practice as high-risk if you offer patient services like telemedicine. That’s where PaymentCloud comes in. It has an impressive 98% approval rate, so even if your practice faces challenges obtaining payment processing services elsewhere, PaymentCloud will likely approve your application.

Navigating the complexities of payment processing can be daunting. PaymentCloud assigns you a dedicated account manager to guide you through the entire setup process. This personalized support ensures that any issues or questions are promptly addressed, allowing you to focus on patient care without getting bogged down by administrative hurdles.

I was also pleased to learn that PaymentCloud offers exceptional customer support and a hands-on approach to resolving chargeback issues. It claims to help you win 70% of disputes, providing peace of mind and financial stability for your practice. PaymentCloud supports both low- and high-risk healthcare providers with fairly-priced plans starting from Around 2.1% + 15¢. To secure the best rates, however, you may need to sign a contract with cancellation fees.

Features and Benefits

• Free payment hardware. PaymentCloud offers EMV- and NFC-compatible POS kiosks, wireless terminals, and mobile card readers at no extra cost.
• Financing options. From business lines of credit to equipment financing, PaymentCloud offers fast and easy solutions for medical, dental, and other healthcare practices. Funds are available in as little as 24 hours.
• Multiple business Integrations. To enhance overall efficiency, PaymentCloud supports hundreds of integrations with popular platforms, such as Hubspot, Slack, Shopify, and WordPress.
• Flexible online payments. As a PaymentCloud merchant, you’ll be able to accept credit cards, e-checks, ACH, MOTO payments, Apple Pay, and even cryptocurrencies like Bitcoin and Ethereum.

For more details, read our full PaymentCloud review.

3. Stax: All-in-One Payment Processor With HIPAA-Compliant Software

Offering both 0% markup on interchange fees and a full suite of HIPAA-compliant software for a single monthly fee, Stax is one of the best healthcare payment processors for US-based high-volume medical offices. If you already use various software tools to manage your healthcare business, Stax can save you a significant amount on software fees alone. Overall, healthcare businesses can save up to 40% on their payment processing with Stax.

Every Stax plan gets you access to Stax Pay, which comes with financial analytics and reporting, a virtual terminal, and even an online customer review management dashboard. The Pro plan unlocks Stax’s powerful invoicing software, which you can use to set up branded invoices with embedded payment links.

Most importantly, Stax’s built-in security ensures your patients’ PHI remains secure. Stax is a PCI Level 1 credit card processor, which is the highest level of PCI compliance available. This means it needs to complete third-party security audits every year, have its network scanned quarterly, and employ an internal compliance team. It also uses end-to-end encryption and tokenization to keep your data secure.

Features and Benefits

• Wide range of POS devices. Stax supports terminals like Swipe Simple, Dejavoo, and PAX, so you can choose what best fits your practice. Its mobile app also turns your phone or tablet into a payment terminal, making transactions seamless from anywhere.
• Payment plans. You can set up payment plans on Stax’s Ultimate plan, which is ideal for healthcare practices that regularly charge for expensive procedures that clients may not be able to pay for in one go. You can also store payment methods for patients with recurring billing.
• Fraud protection. Stax uses address verification (AVS) to detect potentially fraudulent transactions. If AVS can’t completely verify a customer’s identity, Stax will put a hold on their account until you receive additional verification.
• 24/7 support. Stax offers 24/7 phone support and a comprehensive knowledge base. If you run a busy healthcare practice and can only contact support outside of business hours, it’s good to know someone’s always available at Stax to help you out.

Read more about this processor’s software suite in our expert Stax review.

4. Paysafe: Specialized HIPAA-Compliant Solutions for Health and Senior Care

Paysafe partners with Eldermark to provide specialized HIPAA-compliant processing solutions for health and senior care businesses. These solutions cater to independent providers and multi-location practices and clinics. This HIPAA-compliant software lets you quickly onboard new clients, securely store patient-protected health information (PHI), set up care plans, manage medications, and more.

I like that Paysafe supports over 40 currencies, including USD, CAD, GBP, and EUR. This feature allows you to seamlessly accommodate international patients and ensure they can pay in their preferred currency. It simplifies the payment process and improves the patient’s experience.

It also accepts 100+ payment methods, such as PayPal, Skrill, and major credit cards. With this much flexibility, you can easily accommodate diverse patient preferences and settle bills. However, Paysafe tends to be less transparent about its fees than other payment processors, so ensure you ask all the relevant questions when speaking to a customer rep.

Features and Benefits

• Securely store patient data. Paysafe’s API lets you build a Customer Vault to store patient profiles and payment information securely. Paysafe creates a unique token for each client that you’ll use to process future transactions, so you won’t have to enter sensitive billing data.
• Support for high-risk providers. If you primarily offer telehealth services, your practice may be considered high-risk, making it hard to secure affordable credit card processing. Paysafe is one of the few payment processors that works with higher-risk healthcare businesses.
• Partnership with Vindicia. Vindicia’s subscription management platform simplifies recurring payments, making it easier to manage ongoing patient services. It also helps recover failed transactions, ensuring a steady revenue stream.
• Free mobile card reader. Paysafe provides a free mobile card reader for in-person accounts, allowing you to accept payments on the go. This is especially useful for health fairs, home visits, or off-site services.

See more Paysafe features in our expert review

5. Payment Depot: Cost-Effective Processing for Healthcare Practices

If you want to minimize your payment processing costs, Payment Depot could be a great choice for your medical office. With Payment Depot, you’ll pay an affordable monthly fee in exchange for 0% markups and a low flat transaction fee of 0.2%-1.95%. It’s one of the most budget-friendly credit card processors for healthcare, particularly given its exceptional security features. Unfortunately, it isn’t the most affordable solution for small practices processing less than $8,000 monthly.

Not only is Payment Depot Level 1 PCI compliant, but it also limits the amount of time you can store a patient’s information, which reduces potential fraud exposure. Payment information is also protected by end-to-end encryption and tokenization, which ensures sensitive data never leaves your local network or Payment Depot’s servers unprotected.

Recognizing that healthcare providers also have unique point-of-sale and software needs, Payment Depot plans include useful healthcare management integrations. These tools will allow you to process patients’ insurance claims quickly, offer flexible payment plans, and automate recurring billing, enhancing your practice’s efficiency and improving your clients’ experience.

Features and Benefits

• Great security record. Payment Depot has never suffered a data breach. This indicates that it works hard to keep its systems secure and up to date so you can be sure your patient payment data is safe.
• Authorize.net integration. The Authorize.net payment gateway is included with your PaymentDepot plan. In addition to its advanced security features, you can add industry-specific software with features for patient onboarding, EMR (Electronic Medical Records), e-prescriptions, and an HIPPA compliant patient portal.
• Easily dispute chargebacks. You can dispute chargebacks directly from your Payment Depot dashboard. This is convenient and saves you from searching for the billing and transaction information you need, allowing you to focus on patient care.
• 24/7 risk monitoring. Payment Depot’s risk monitoring team constantly monitors changes in fraud methods and bank policy, which allows Payment Depot to build security solutions before a problem arises.

Read more about payment security in our in-depth Payment Depot review.

6. Square Payments: Free Tools for Online Healthcare Product Sales

Square’s free online store builder is perfect for selling products like supplements, orthopedic supports, or medical equipment. The professional designs make it easy to create a polished, trustworthy platform that mirrors the reliability patients expect from their healthcare providers.

Sometimes, you don’t need an entire website to connect with your patients. Square’s buy buttons, QR codes, or payment links are great for offering memberships, subscriptions, or accepting donations. You can quickly share payment links through email or text for services like flu shot drives or subscription plans for wellness checkups.

Square also provides a range of hardware, including stands and terminals. Its free card reader is perfect for mobile healthcare providers, like traveling nurses or physical therapists, allowing you to process payments on the go with ease. Plus, all Square hardware is HIPAA-compliant, supporting major payment types for a seamless checkout experience.

Features and Benefits

• Fast and easy onboarding. Set up your account, enter your healthcare business details, and start processing payments immediately – no lengthy approvals are required.
• Detailed sales and inventory reports. Square’s advanced software helps track medical supply sales, manage inventory, and identify service demand trends.
  Square staff and payroll. Streamline scheduling, payroll, and HR tasks with Square’s integrated tools, freeing up more time for patient care.
• Fast payouts with Square banking. Get instant access to your earnings through Square’s FDIC-insured business checking account, which is ideal for handling urgent payments.

See our expert Square Payments review for more details.

Other Notable Healthcare Credit Card Processing Companies

7. Chase Payment Solutions

Chase Payment Solutions offers several industry-specific payment tools, including the proprietary HIPAA-compliant InstaMed software. Like Chase, InstaMed meets the highest PCI standards and offers robust security measures like tokenization and end-to-end encryption to keep patient and payment data safe. It also smoothly integrates with existing healthcare IT systems and electronic health record (EHR) software.

I like how InstaMed offers automated payment posting to your practice’s management system, reducing manual data entry and minimizing errors. However, I don’t like that Chase provides limited support for PCI compliance. It gives you some advice on becoming compliant, but expect to handle your quarterly network scans and yearly questionnaires yourself. So, if you’re new to PCI compliance and unsure where to start, Chase might not be the best option.

8. CardX

CardX’s automated surcharging process ensures you don’t need to dive into the complicated world of surcharging rules, which vary by state, card type, and issuing bank. It takes on the heavy lifting, registering your business with Visa, Mastercard, and other card brands as needed. So, whether you’re managing a dental practice in Florida or a chiropractor’s office in Texas, you can count on CardX to deliver.

CardX’s Virtual Terminal makes accepting payments over the phone or by mail easy. Meanwhile, you can integrate CardX’s Lightbox gateway into your website for online transactions so patients can pay without being redirected elsewhere. I just wish CardX offered more payment options, as it currently only supports credit/debit cards and e-checks.

Which Is the Best Healthcare Credit Card Processing Company for Your Clinic?

Finding payment processors that offer affordable rates, HIPAA-compliant software, and great customer service isn’t easy. While there’s no one-size-fits-all solution, these are my top recommendations that will suit most healthcare businesses.

Overall, my top pick is Leaders Merchant Services. With some of the lowest rates in the industry and a fantastic meet-or-beat guarantee, you’ll be able to negotiate the best possible rates for your healthcare business. Plus, every LMS merchant account comes with Clover’s built-in HIPAA-compliant business and payment management tools.

If your healthcare business is considered high-risk, PaymentCloud is your best option. It has a 98% approval rate, which means there’s a high chance your business will be accepted. You’ll also get excellent customer support and a dedicated account manager to help you get started with PaymentCloud quickly.

Finally, if you run a bustling healthcare practice, I recommend Stax. Not only does Stax offer advanced HIPAA-compliant software for a single monthly fee, but it also doesn’t charge a markup on interchange fees – which can save you a lot of money if you process a high volume of transactions every month.

FAQ

What is the best healthcare payment processing company?

Leaders Merchant Services (LMS) is the best healthcare payment processing company. With your contract, it offers low interchange-plus rates, merchant cash advances, and free Clover POS hardware. Through LMS’s Clover partnership, you’ll gain access to HIPAA-compliant software and tools for invoicing, staff scheduling, recurring billing, and CRM tailored to healthcare needs.

Which company has the cheapest credit card processing fees?

Leaders Merchant Services (LMS) offers some of the lowest credit card processing fees, with a monthly fee of $9.00 and average transaction fees around ~0.15% + $0 per transaction. But if your business brings in over $8,000/month in credit card transactions, Stax might be more cost-effective.

Which payment platforms offer HIPAA-compliant processing?

Several payment platforms offer HIPAA-compliant processing to protect patient data and ensure secure transactions. They include Leaders Merchant services, PaymentCloud, Stax, and Paysafe, among others. These providers use encryption, tokenization, and secure data storage to meet HIPAA and PCI requirements.

Does a payment processing provider need to be HIPAA-compliant?

Payment processors that handle protected health information (PHI) must be HIPAA-compliant. However, standard credit card processing services are generally exempt from HIPAA regulations, as they typically do not handle PHI – this is classed as an exempt activity. If your payment processing involves PHI, ensure the provider complies with HIPAA requirements.

What are credit card processing fees for medical practices?

Credit card processing fees for medical practices typically range from 2.5% to 4.5% per transaction, depending on the transaction type, merchant category, and card used. These fees can accumulate significantly, especially for practices handling large payment volumes. That’s why using a reputable healthcare credit card processor that offers low fees is crucial.