Best Merchant Accounts for Walk-In Clinics

What to Know Before Getting Started

Urgent care clinics serve a wide range of customers who come from many different income brackets and communities. This means that the single most important merchant account feature for clinics is flexibility with regard to what kinds of payments are accepted and the methods by which patients can pay. In other words, walk-in clinics should be able to bill health insurance providers; accept cash, checks, debit, and credit cards; establish payment plans for customers; and process payments in-person, by phone, by mail, and online. Plenty of merchant account providers offer these services, but not all of them do so at an affordable cost.

To help you find a reasonably priced credit card processor that suits your needs, we’ve put together the following list of the best merchant accounts for walk-in clinics. The providers on this list offer on-site payment solutions, online billing tools, marketing solutions, and other useful services for operating your clinic. They are also known to provide low-commitment contracts with transparent pricing and quality customer service. To find the right provider for your walk-in clinic, be sure to research each processor’s products and features and compare pricing and terms.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers

Fattmerchant

Active since early 2014, Fattmerchant is a merchant account provider leading the industry’s move toward flat-rate, subscription-style pricing. The company’s products and services include EMV-compatible countertop terminals, a virtual terminal, an online payment gateway, an online shopping cart, mobile phone processing, QuickBooks integration, online invoicing, and recurring billing. Fattmerchant is capable of serving all standard-risk walk-in clinics and offers a comprehensive dashboard for tracking all payments and customers.

Fattmerchant offers multiple pricing plans with different rates. Merchants can select either a plan that charges a flat fee on all transactions or a plan that charges a fixed monthly fee plus a fixed per-transaction dollar amount above interchange. In other words, merchants can choose whether or not they are charged a percentage markup on each transaction. Fattmerchant currently has an “A” rating on CPO and an “A+” rating with the Better Business Bureau.

For more information, visit the Fattmerchant website, or call (866) 397-9826.

Host Merchant Services

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for most urgent health care providers. The company’s products and services include point-of-sale solutions, 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 new merchants. Host is a great option for walk-in clinics that would like to affordably take payments in-person and online.

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 BBB 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.

CDG Commerce

Located in Chesapeake, Virginia, CDG Commerce is another good option for any quick care clinic. 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, sales reporting, security breach protection, and vulnerability scanning. CDG Commerce is ideal for clinics that desire a simple, low-cost, integrated method for accepting payments in person and remotely.

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.

Other Merchant Account Options

The providers in this section may not have been researched as thoroughly or may lack a quality that prevented them from being listed above. We have listed them here to provide a broader view of potential merchant account options. Are you a decision maker with your company and believe that you should be listed below? Tell us here.


Payline Data

Headquartered in Chicago, Illinois, Payline Data has consistently rated as one of the best merchant account providers on CPO since we first reviewed the company. Payline is capable of serving health care clinics of all sizes and specialties. The company offers traditional retail credit card terminals, mobile phone credit card processing (via Flint), an online payment gateway and virtual terminal, QuickBooks integration, and API integration for websites. Payline Data is a great all-purpose option for almost any clinic, from small campus clinics to larger urgent care facilities and retail clinics.

In addition to its wide array of services, Payline Data offers interchange-plus pricing with month-to-month contracts and no early termination fees. As a result, the company enjoys a large number of positive testimonials from its clients on this website and in other consumer protection forums. The Better Business Bureau currently assigns Payline Data an “A+” rating, and CPO also gives Payline an “A+.”

Dharma Merchant Services

Based in San Francisco, California, Dharma Merchant Services is a highly rated merchant account provider that places a corporate emphasis on social consciousness and community outreach. The company’s products and services include countertop terminals, mobile device payment processing, an online payment gateway (Authorize.Net), QuickBooks integration, small business financing, and custom fundraising pages for non-profits. The company also extends special pricing to non-profit organizations and donates a percentage of its profits to non-profits of its choosing every year. Dharma is best equipped to provide significant savings for medical clinics that process over $10,000 per month.

Dharma scores highly in our review and elsewhere due to its positively reviewed customer service, transparent marketing practices, competitive interchange-plus rates, and fair service agreements. The BBB currently assigns a rating of “A+” for Dharma Merchant Services, while CardPaymentOptions.com also gives the company an “A+.”

For more information, see the Dharma Merchant Services website or call (888) 404-1237.


If your business offers merchant services for walk-in clinics, please leave a comment in the comment section below or contact us through our contact page in order to get listed in this article.

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing

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