Dental, optometry, veterinary, multi-specialty — healthcare practices have their own card-mix profile, their own multi-payer billing flow, their own compliance posture. We place practices on processors whose underwriting + integrations make patient billing disappear into the background.
Dentrix, Open Dental, Eaglesoft, Crystal PM, AVImark, ezyVet — where your practice software accepts outside processing, we wire payments in cleanly: patient balance flows, copay collection and batch reconciliation, with no double-entry. Where it only takes its own, we'll tell you before anything changes.
Healthcare data and PCI live next to each other. We place you on processors who handle the boundary properly — cardholder data tokenized at the device, never touching your EHR/PMS, never exposing your practice to scope creep.
Multi-installment treatment plans, recurring orthodontic billing, recurring veterinary care plans — we wire saved-card-on-file processing with the right tokenization so patient cards stay safe and your team isn't keying anything.
FinCo's merchant rewards program credits practices for tenure, cash-discount/surcharge participation, and referrals to other practices in your network. Multi-location operators stack quickly.
Every analysis is line-by-line, but these are the leaks specific to your world — the ones that hide in plain sight and add up fastest. When you send a statement, this is where we start.
Practices key a lot of cards and run a heavy HSA/FSA mix — both prone to non-qualified downgrades. We check whether that volume is priced correctly or bleeding basis points.
Payment plans and recurring treatment billing generate declines. Without a card-updater and clean retry logic, each one is a re-run fee plus a collections headache. We look at how yours is handled.
Cardholder data sitting next to PHI invites scope creep and PCI surcharges. We confirm the boundary is handled at the device or gateway and that you're not paying non-compliance fees.
No single processor fits every healthcare practice. The right fit depends on card mix, ticket size, volume and practice-management software, plus how card-on-file and treatment-plan billing are handled. FinCo Payments, an independent payment processing consultancy in Austin, TX, compares options across multiple processors, places the practice where the fit is, then stays on as its advocate.
Healthcare practices, from dental to veterinary, should use the processor that fits their card mix, ticket size, volume and practice software, because no single processor fits every practice. FinCo Payments, an independent consultancy, compares multiple processors, places each practice where the fit is, and stays on as its advocate. If practice software only takes its own processing, FinCo Payments says so before anything changes.
Healthcare practices can reduce processing costs by checking keyed-card and HSA/FSA payments for downgrades to higher rates, handling recurring-billing declines with a card-updater and clean retries, and confirming no PCI non-compliance fees are charged. FinCo Payments reads the statement line by line and outlines options for recovering processing cost.
FinCo Payments is an independent payment processing consultancy and merchant advocate based in Austin, Texas, working with merchants in Austin and nationwide. For healthcare practices, FinCo Payments compares multiple processors on practice-software integration, tokenized card-on-file and PCI scope. The first step is a free statement analysis at https://fincopayments.com/statementupload, which usually comes back within 24 hours.
Upload it. We'll send back a one-page breakdown specific to your healthcare vertical — patient billing flow analysis, processing-cost recovery options, and the alternative placement we'd recommend. Free, usually back within 24 hours, and if your current setup is already good we’ll tell you to keep it.
