Tokenized card-on-file & payment plans
Store patient cards securely and split treatment balances into scheduled installments that run on their own. Failed cards get automatic retry and notification instead of a write-off.
Payment ProcessingPractices & clinics
Payment processing built for patient balances, not retail counters
Practices carry balances retail never does: treatment plans, deductibles, copays and recurring installments. We set up tokenized card-on-file, patient payment plans and reporting that reconciles cleanly to your practice management software.
- Funding turnaround
- 24-48 hrs
- Tokenized & recurring
- Card-on-file
- Deposit funding
- Next-day
Funding turnaround
Tokenized & recurring
Deposit funding
What we hear
The problems medical & dental owners actually call about
- Patient balances written off because the card on file expired
- Front desk chasing deductibles by phone weeks after the visit
- Processing statements that never reconcile to the practice software
- Equipment finance quotes that cost more than the chair itself
How we fix it
Lower effective rate on every copay
We rebuild pricing around your real average ticket and volume mix. Where dual pricing is permitted for elective and self-pay services, your net cost can approach zero.
Payment ProcessingEquipment and expansion capital
Chairs, imaging, build-outs and second locations funded in 24 to 48 hours — approvals based on deposit history, not just personal credit.
Capital & Business Lending"Our outstanding patient balances dropped by more than half in one quarter once card-on-file plans were running. The front desk stopped making collection calls entirely."
Dr. Renee A.
Practice owner, multi-op dental group
Questions
Medical & Dental FAQs
Is card-on-file HIPAA compliant?
Card data is tokenized and stored with the processor, never on your workstation, and no clinical information touches the payment record. We document the workflow so it fits inside your existing HIPAA policies.
Can we offer patient payment plans without carrying the risk?
Yes. We can run scheduled installments against a stored card, or place you with a patient financing partner so the balance is funded up front and the plan sits with the lender.
Related industries
No obligation
See what medical & dental pricing should cost you.
Send one recent processing statement. Within 24 hours you get a written line-by-line breakdown of your true effective rate and what our program looks like beside it.