Dental Practices Have Unique Credit and Debit Card Processing Needs
As a dentist, you might assume that taking credit cards at your office is a fairly straightforward process. However, the truth is that merchant accounts come with a wide array of potential benefits and drawbacks. Some useful services for dentists include automated billing tools, online marketing, and virtual terminals for your front desk. But there are also some potential pitfalls like long-term equipment leases, hidden fees, and poor customer support. If you don’t know what you’re looking for, you could get stuck in an expensive contract that you can’t extract yourself from.
To help you avoid traps and find a good fit for you, we’ve put together the following list of the best merchant accounts for dentists. The providers on this list offer virtual terminals, digital billing, online marketing tools, and other useful services for collecting payment from your patients. These providers are also known to provide low-commitment contracts with transparent pricing and quality customer service. To find the right provider for your dentistry practice, be sure to research each processor’s products and features and compare pricing and terms.
Top Picks for Merchant Services for Dentists



Host Merchant Services
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Fast approval for most industries
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No contract or cancellation fees
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Highly rated customer support
(888) 727-4538
Host Merchant Services is a Newark, Delaware-based merchant account provider that is a great fit for DDS offices. 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 an affordable option for dentists who would like to affordably accept credit cards both 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.



PaymentCloud
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Fast approval for numerous "high-risk" industries
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Broad product and service offering
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Highly praised customer support
(888) 506-7859
Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving 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. PaymentCloud is a good option for DDS offices.
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.



CDG Commerce
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Specialized services for most industries
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Simple and transparent rates
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350+ technology integrations, including Quickbooks
(888) 393-1079
Located in Chesapeake, Virginia, CDG Commerce is another ideal option for dentist’s offices 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, sales reporting, security breach protection, and vulnerability scanning. CDG Commerce is ideal for dentistry locations that require a simple, low-cost, integrated method for accepting online and in-person payments.
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.
Additional Options



eMerchant Broker
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Maintains numerous banking partners
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Can get approvals for international businesses
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Top-rated in "high-risk" industry satisfaction
(877) 301-3442
eMerchantBroker.com is a Los Angeles, California-based company that offers high-risk e-commerce processing solutions, meaning just about any business is eligible for their services. The company’s products include ACH processing, an online payment gateway, merchant cash advance, and a chargeback management system to help merchants dispute and resolve chargeback claims. These services can be especially helpful for small dentist offices, as they can free up your time and funds.
eMerchantBroker.com offers custom pricing for each merchant and maintains a low complaint rate relative to its size and merchant portfolio. Our review of eMerchantBroker gives the company an “A” rating overall and the BBB assigns the company a rating of “A+.”
For more information, see the eMerchantBroker website or call (877) 301-3442.



National Processing
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Top-rated choice for businesses that want Clover POS
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Fast approval and next day deposits
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Quick equipment deliver and 24/7 support
(385) 777-1235
National Processing offers several small business processing options and can assist dental practices with identifying the right POS system or virtual terminal for their needs. The company offers two pricing options: one an interchange-plus program or a “zero-fee” program, both of which offer competitively priced rates.
National Processing has a clean reputation with just one complaint filed in the last three years, which is not concerning in nature. Our independent review finds National Processing to be a solid option for most dentists and dental practices.
For more information, see the National Processing website or call (385) 777-1235.