Best Merchant Accounts for Chiropractors (2023)

an image depicting chiropractor credit card processing

As a chiropractor, you serve your patients by identifying and treating their pain points. But when it comes to you getting paid, it’s up to your merchant account provider to ease your suffering. However, if you are not careful with the credit card processor that you choose, you could find that you have more headaches than than your own clients. The good news is that an ever-increasing number of great credit card processors to that service chiropractic business very well. Many now included including automated billing, mobile phone processing, online marketing tools, and detailed reporting.. The bad news is that there are a number of unscrupulous providers in the industry who will happily give you a stiff neck in exchange for bilking your for high processing rates and expensive junk fees. The best way for you to avoid expensive contract terms and find the right fit for you is to do your research before signing up.

To help you in your research, we’ve put together the following list of the best merchant accounts for chiropractors. The providers on this list offer billing tools, virtual terminals, online marketing tools, and other useful services for operating your chiropractic clinic on a day-to-day basis. They are also known to provide low-commitment contracts with transparent pricing and quality customer service. To find the right provider for your chiropractor’s office, be sure to research each processor’s products and features and compare pricing and terms.

Factors We Considered When Selecting The Best Chiropractic Credit Card Processors

When selecting a credit card processing company as a chiropractor, there are several key factors we considered:

  1. Pricing Structure: We chose merchant accounts with transparent pricing, no hidden feesm and no excessive charges. We considered the rates for different types of transactions and card types to ensure they align with your business needs.
  2. Contract Terms: We carefully reviewed the contract terms offered by the processing companies. We chose providers that offer month-to-month agreements with no fees for cancelling service.
  3. Security Measures: Data security is crucial when handling customer payment information. We ensured the processing companies comply with Payment Card Industry Data Security Standard (PCI DSS) requirements and utilizes encryption and tokenization to protect sensitive data.
  4. Integration and Compatibility: We considered the compatibility of the processing company’s systems with your existing medical software and hardware. Seamless integration can streamline operations and prevent technical issues.
  5. Customer Support: We evaluated the quality of customer support provided by the processing company. Responsive and knowledgeable support is invaluable when troubleshooting issues or seeking assistance.
  6. Payment Options and Features: We assessed the range of payment options the processing company supports, such as mobile payments, online payments, and recurring billing. We also considered additional features like virtual terminals, invoicing capabilities, and reporting tools that can enhance your chiropractic business operations.
  7. Reputation and Reviews: We researched the processing company’s reputation and read reviews from other chiropractors or businesses in your industry. We chose companies that lacked serious complaints and had positive feedback regarding reliability, transparency, and overall customer satisfaction.
  8. Scalability and Growth Potential: We considered potential future growth plans and ensure the processing company can accommodate increasing transaction volumes and expanding business needs without significant disruptions or fees.

Top Picks for Chiropractic Merchant Services

#1 Helcim

helcim logo

Helcim stands out as our top credit card processing option for chiropractors. The company offers transparent pricing and all of their processing services with no monthly or annual fees, which provides their clients with a clear understanding of their payment processing costs. Their interchange-plus pricing model adds a small markup over the true cost of accepting a credit card, which can vary by card, and the markup automatically decreases as your practice grow. Helcim’s transaction volume discount pricing is truly unique among credit card processors.

With a range of feature-rich solutions, Helcim caters specifically to chiropractic clinics. They provide virtual terminals for in-person and online payments, recurring billing options, invoicing capabilities, and mobile payment solutions/ Helcim’s modern payment technology speeds up the payment collection process and enhances the overall efficiency of billing and collection.

Data security is a priority for Helcim. As a PCI-DSS compliant provider, they adhere to stringent data security standards. This ensures the protection of sensitive patient payment information and help you maintain compliance with medical regulations.

Helcim’s customer support is highly rated and offers 24/7 over-the-phone customer support. In fact, the company has consistently scored top marks for service and support in our Helcim review over the last decade that we have been monitoring the company. Overall, we are confident that Helcim is the best choice for taking credit cards at a chiropractic office.

For all the details regarding Helcim’s pricing and services, see this page.

Additional Payment Processing Options

CDG Commerce

cdg commerce logo

Located in Chesapeake, Virginia, CDG Commerce is another great option for chiropractors of all sizes and types. CDG has been privately owned since 1998 and offers a proprietary payment gateway (as well as a discount on Authorize.Net’s payment gateway), a virtual terminal, QuickBooks integration, mobile phone processing, security breach protection, and vulnerability scanning. CDG Commerce is ideal for chiropractic practices that would like a simple, low-cost, integrated method for accepting payments online or in person.

CDG Commerce only charges a low, fixed fee per transaction and offers competitive contractual terms, including no annual fees, monthly minimums, or termination fees. CDG also offers next day funding to most business types. CDG has earned an “A+” rating in our review as well as an “A+” rating with the BBB.

For more information, see the CDG Commerce website or call (888) 393-1079.

Host Merchant Services

Host Merchant Services logo

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for chiropractors of all sizes and types. The company’s products and services include credit card terminals, online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, and merchant cash advance. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to interested merchants. Host is able to supply affordable and versatile credit card processing for any chiropractor’s office.

Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The Better Business Bureau gives Host an “A+” rating, and CPO also gives the company an “A+.”

For more information, visit the Host Merchant Services website or call (888) 727-4538.


PaymentCloud Logo

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving standard to high risk business types. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. These features allow merchants to accept payments on-site using their phones as well as through online billing. For those reasons, PaymentCloud is a good option for chiropractors, as it allows them to process payments immediately following visits or online to easily resolve potential outstanding balances.

PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

For more information, visit the PaymentCloud website or call (888) 506-7859.

Final Thoughts on Chiropractic Credit Card Processing

When selecting a credit card processor for chiropractors, several key factors were carefully considered. These include transparent pricing structures, absence of hidden fees and long-term contracts, feature-rich solutions tailored to chiropractic clinics, robust data security measures, responsive customer support, scalability to accommodate growth, and a positive reputation within the industry. By thoroughly evaluating these aspects, chiropractors can make an informed decision and choose a credit card processor that meets their unique needs, enabling seamless payment processing and enhancing the overall efficiency of their practice.

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About CPO

We are committed to ensuring the accountability of credit card processors by bringing transparency to their business practices. Our primary objective is to safeguard North American businesses from unscrupulous processors that impose substantial rate markups, unjustifiable fees, and exploitative contracts that result in annual losses of billions of dollars for small business owners.

We have been in operation since 2009, diligently conducting comprehensive research, publishing extensive reviews, and monitoring more than 1,000 payment processors. Our expertise in the merchant services industry has garnered recognition from esteemed publications such as the Los Angeles Times, INC Magazine, The Atlantic, and the Miami Herald, among others.