Best Healthcare Merchant Accounts

Here is the illustration representing a healthcare merchant account concept, depicting a hospital reception area equipped with modern technology and a professional environment.

Credit and Debit Payment Processing as a Healthcare Provider

Health care providers frequently need to accept debit and credit card payments, but not in the same way that conventional retailers do. Medical clinics collect payment in several different ways, including online, over the phone, and in person. They also typically have a need for one-time and recurring billing options as well as customer tracking and secure, offsite data storage. It is essential that doctor's offices and other health care providers have reliable point-of-sale equipment as well as secure administrative systems in order to minimize wait times and keep patient information private. And, as always, it's best to obtain these services for the lowest possible cost.

These specific needs are served well by some merchant account providers and not as well by others. In order to help you find providers who specialize in health care solutions, we've compiled the following list of the best merchant account providers for healthcare. This list includes companies that provide transparent pricing, positively rated customer service, and products that are perfect for health care locations. These providers can offer on-site payment solutions as well as e-commerce processing for health care providers, and each company will have its own specialties. We recommend that you contact a few of these providers and compare quotes in order to find the best pricing and service package for your clinic.

How to Select the Best Healthcare Credit Card Processor

When selecting a credit card processor for a healthcare business in the USA, there are several factors to consider. Here are some key considerations.


The credit card processor should be fully compliant with the Payment Card Industry Data Security Standards (PCI DSS) and the Health Insurance Portability and Accountability Act (HIPAA) regulations. HIPAA regulates the handling of personal health information (PHI), so it's essential to ensure that any credit card processor you use can handle sensitive information securely.


The credit card processor should be able to integrate with your healthcare business's existing software and systems, such as electronic health records (EHR) systems and billing software.

Payment Types

The credit card processor should accept all major credit and debit cards, as well as alternative payment methods such as Apple Pay and Google Pay. This allows patients to pay in the way that's most convenient for them.

Credit Card Processing Fees

Look for a credit card processor that offers transparent pricing, with no hidden fees. Healthcare businesses should also be aware of any fees associated with chargebacks or disputes, as these can be particularly costly.

Excellent Customer Support

It's important to choose a credit card processor that offers excellent customer support, with a dedicated support team available 24/7. This is particularly important in the healthcare industry, where patient care can't be delayed due to payment issues.


Consider the reputation of the credit card processor, looking for reviews and ratings from other healthcare businesses. It's important to choose a processor with a strong track record of reliability, security, and excellent customer service. You can consider our review on this website, by simply searching for the processor in the search bar at the top of this page.

Fraud Prevention

Healthcare businesses are a prime target for credit card fraud, so choose a processor that offers robust fraud prevention measures, such as tokenization and encryption.

Overall, selecting the right credit card processor for a healthcare business requires careful consideration of several factors, including compliance, integration, payment types, fees, customer support, reputation, and fraud prevention. By taking the time to research and compare different options, healthcare businesses can find a processor that meets their unique needs and provides a secure, convenient payment experience for patients.

Top Picks for U.S. Healthcare Merchant Services

helcim logo

#1 Helcim

Number One Pick for Healthcare Merchant Services

Helcim is a merchant account provider headquartered in Alberta, Canada, and Seattle, Washington. The company provides merchant services and credit card processing to both U.S. and Canadian businesses. Helcim offers traditional payment processing equipment as well as a feature suite called “Helcim Commerce,” which is intended to serve as an all-in-one business management solution for merchants across all of their sales channels.

Why Helcim is a Top Choice for Healthcare Payment Processing

As a small business owner who sells healthcare products, accepting credit card payments from customers is crucial for growing your business. However, choosing the right payment processing service can be challenging, especially when it comes to healthcare payment processing. Helcim is a top option for healthcare payment processing because of its industry-specific features and competitive pricing.

Industry-Specific Features for Healthcare Payment Processing

Helcim offers a range of industry-specific features that make it an ideal choice for healthcare payment processing. For example, its virtual terminal allows you to securely process payments over the phone, which is ideal for healthcare providers who need to take payments from patients over the phone. Helcim also offers a range of fraud prevention tools, including address verification and CVV verification, to protect your business and your customers.

Competitive Pricing for Healthcare Payment Processing

Pricing is a critical consideration when choosing a payment processing service for your healthcare business. Helcim offers competitive pricing for healthcare payment processing, with no hidden fees or long-term contracts. This makes it easy for you to budget and manage your cash flow, especially if you are a small business with limited resources.

If you sell healthcare products and need to accept credit card payments from your customers, Helcim is an excellent option for your business. With industry-specific features and competitive pricing, Helcim can help you streamline your payment processing and grow your business.

Host Merchant Services logo

Host Merchant Services

Top Rated for Healthcare Credit Card Payment Processing

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for hospitals, clinics, and other healthcare providers. The company's products and services include point-of-sale solutions, web hosting, business class email, an online payment gateway and virtual terminal, and mobile credit card processing. Host Merchant Services specializes in e-commerce solutions for healthcare organizations that rely on a strong web presence.

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+.”

Accept Credit Card Payments for Healthcare Products with Host Merchant Services

If you are a small business owner selling healthcare products, you need a payment processing provider that understands the unique challenges of this industry. Host Merchant Services (HMS) is an excellent option for healthcare payment processing. They offer a variety of payment solutions that cater specifically to healthcare merchants, including secure payment processing, EMV chip card acceptance, and mobile payment options.

Compliant and Secure Services

HMS is PCI compliant and follows HIPAA guidelines, which is essential for businesses in the healthcare industry. They also provide fraud detection and prevention services to ensure that your customers' sensitive information is protected. In addition to these features, HMS offers customizable payment solutions, so you can choose the options that work best for your business.

Diverse and Convenient Payment Options

With HMS, you can accept payments from all major credit cards, including Visa, Mastercard, and American Express. They also offer recurring payment options for customers who need to make regular payments for healthcare services or products. Plus, with their transparent pricing and no hidden fees, you can be confident that you are getting a fair deal for your payment processing services.

If you're looking for a payment processing provider that understands the unique needs of healthcare merchants, Host Merchant Services is an excellent choice. They offer secure payment processing, customizable solutions, and excellent customer service, all while following industry-specific guidelines and compliance regulations. Contact HMS today to learn more about how they can help your healthcare business accept credit card payments.

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

PaymentCloud Logo


Top Rated for Healthcare Merchant Accounts

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 healthcare merchants as it allows them to easily deal with patients directly and facilitates the payment of their outstanding balances online if they can't be paid in total at the time of their visit. Furthermore, the secure portal offered by PaymentCloud's virtual terminal protects confidential patient payment information.

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.”

Why PaymentCloud is the Best Healthcare Payment Processing Option for Small Businesses

As a small business owner selling healthcare products, you need a payment processing solution that can handle the specific requirements of your industry. PaymentCloud offers a range of features specifically designed to meet the needs of healthcare businesses, making it the ideal choice for those looking to accept credit card payments.

Fully Compliant with HIPPA Regulations

One of the key benefits of PaymentCloud for healthcare businesses is its compliance with the Health Insurance Portability and Accountability Act (HIPAA). This means that PaymentCloud is fully equipped to handle sensitive patient data, ensuring that your customers' personal and medical information is kept safe and secure. With PaymentCloud, you can rest assured that your payment processing is fully compliant with all relevant regulations, providing your customers with the peace of mind they need when buying healthcare products online.

Advanced Fraud Detection and Prevention

In addition to its HIPAA compliance, PaymentCloud also offers advanced fraud detection and prevention tools that can help protect your business and your customers from online fraud. With real-time monitoring and advanced security features, PaymentCloud can detect and prevent fraudulent transactions, ensuring that you don't suffer from chargebacks or financial losses.

PaymentCloud is an excellent option for small businesses selling healthcare products. With its HIPAA compliance and advanced fraud detection tools, PaymentCloud provides the security and reliability you need to accept credit card payments from your customers, while also providing a seamless payment processing experience that is optimized for your specific industry.

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

cdg commerce logo

CDG Commerce

Top Rated for Healthcare Credit Card Processing

CDG Commerce is a merchant account provider that can supply payment processing for in-person, mobile, and online health care offices. Headquartered in Chesapeake, Virginia, CDG Commerce's products include a free payment gateway, custom reporting, QuickBooks integration, AVS, automated fraud alerts, and chargeback notifications. The company has been providing merchant services since 1998 and has accumulated numerous positive third-party reviews in that time.

CDG Commerce offers month-to-month agreements with no early termination fees to its merchants, but rate quotes will vary depending on each merchant's business type and processing history. We currently give CDG Commerce an overall rating of “A+,” and the BBB also gives CDG an “A+.”

CDG Commerce: A Great Credit Card Processing Solution for Healthcare Product Sales

If you are a small business owner in the healthcare industry looking for a reliable and secure credit card processing solution, then CDG Commerce is a great option to consider. CDG Commerce offers a range of payment processing services that are specifically designed for businesses that sell healthcare products and services. Here are some reasons why CDG Commerce is a great option for healthcare payment processing.

Secure and Compliant

CDG Commerce is committed to providing secure and compliant payment processing services to its customers. They use state-of-the-art technology to protect your customer's sensitive information and ensure that your business remains PCI compliant. With CDG Commerce, you can have peace of mind knowing that your customer's data is safe and secure.

Flexible Payment Options

CDG Commerce offers a wide range of payment options, making it easy for your customers to make payments for healthcare products and services. Whether your customers prefer to pay with their credit or debit cards, mobile payments, or online payments, CDG Commerce has you covered. This flexibility makes it easy for your customers to pay for their purchases, which can increase customer satisfaction and help grow your business.

Competitive Rates

When it comes to payment processing fees, CDG Commerce offers competitive rates that are designed to help you save money. As a small business owner, every penny counts, and CDG Commerce understands that. With their transparent pricing and low fees, CDG Commerce can help you reduce your payment processing costs and increase your profits.

CDG Commerce is a great credit card processing solution for small business owners in the healthcare industry. With its secure and compliant payment processing services, flexible payment options, and competitive rates, CDG Commerce can help you grow your business and provide the best possible experience for your customers. So if you are looking for a payment processing solution that is tailored to your healthcare business needs, then CDG Commerce is definitely worth considering.

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

Additional Options

national processing logo

National Processing

National Processing offers several small business processing options and can assist healthcare 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 hospitals and healthcare practices.

National Processing: A Reliable Payment Processor for Healthcare Products

National Processing is an excellent payment processing service provider for small business owners in the healthcare industry. If you're selling healthcare products, you need a reliable payment processor that understands the unique challenges of this industry. With National Processing, you can accept credit card payments from customers who are buying healthcare products with ease. Here are some reasons why National Processing is a great option for healthcare payment processing.

Secure Payment Processing Solutions

National Processing understands the importance of security in the healthcare industry. They provide secure payment processing solutions that meet industry standards to ensure that your customers' payment data is safe. The company uses encryption and tokenization technology to protect sensitive payment information and prevent fraud. This level of security is crucial in the healthcare industry, where personal and sensitive information is exchanged regularly.

Specialized Payment Options for Healthcare Products

National Processing offers a range of payment processing solutions that can be tailored to your specific needs. Whether you're selling healthcare products online or in-person, National Processing has a solution that fits your business. They provide options for mobile payments, virtual terminals, and e-commerce integrations, allowing you to accept payments in any way that works for you.

Exceptional Customer Service

National Processing has excellent customer service and support. As a small business owner, you need a payment processor that is available when you need them. National Processing offers 24/7 customer service and support to help you with any payment processing issues or questions. They also have a range of resources available on their website, including FAQs, guides, and blog posts, to help you navigate the payment processing landscape.

National Processing is a reliable payment processing service provider for small business owners in the healthcare industry. With their focus on security, flexible payment processing solutions, and excellent customer service, they are an excellent choice for healthcare payment processing.

For more information, see the National Processing website or call (385) 777-1235.

shopify logo


Shopify is primarily known as an e-commerce platform for online merchants, but the company also offers a point-of-sale software solution for iPad and iPhone. The Shopify POS app can accept cards via a headphone jack card swiper, or a $129 EMV reader and includes features like inventory syncing with a web store, emailed receipts, automatic tax calculations, basic email marketing, and in-store refunds. These online payment options and the familiarity of the Shopify brand are great for healthcare customers, who will feel safe and comfortable using the service.

The Shopify payment service can also be paired with a Shopify online store, which comes with numerous customization options. Shopify POS is a great fit for healthcare professionals who would like to accept payments on-site using their phones as well as through online billing. Shopify has an “A+” rating with the BBB, and we give it an “A+” rating as well.

Why Shopify is a Great Option for Healthcare Payment Processing

For business owners who sell Healthcare products, accepting credit card payments from customers is essential. With the growing demand for online purchasing, it's crucial to have a secure and reliable payment processing system in place. Shopify is a leading e-commerce platform that provides business owners with a streamlined payment processing solution.

Highly Secure and Compliant Payment Processing

Shopify's payment processing system is highly secure and compliant with industry standards, ensuring that all transactions are safe and protected. For Healthcare products, this is especially important as sensitive personal and medical information may be exchanged during the checkout process. Shopify's platform is PCI-compliant, meaning that all transactions are encrypted and protected from potential security breaches.

Diverse Payment Options for Customers

In addition to security, Shopify also offers a range of payment options for customers, including major credit cards and popular digital wallets such as Apple Pay and Google Pay. This allows business owners to cater to a wide range of customers with different preferences and payment methods.

Seamless Integrations with Third Party Apps and Services

Another advantage of using Shopify for Healthcare payment processing is the platform's easy integration with third-party apps and services. This allows business owners to integrate their payment processing with their inventory management, shipping, and fulfillment processes, creating a seamless and efficient workflow.

Shopify is a fantastic option for business owners who sell Healthcare products and need to accept credit card payments from their customers. With its secure payment processing system, a range of payment options, and easy integration with third-party services, Shopify provides business owners with everything they need to succeed in the e-commerce space.

For more information, visit the Shopify website or call.

Bottom Line

Healthcare businesses overwhelming choose these merchant account providers for their credit card processing due to there competitive rates, software integrations, and highly rated customer support. If you have had a positive experience with a healthcare merchant services provider, please let us know in the comment section below.

Frequently Asked Questions: Healthcare Credit Card Processing

What is a Healthcare Merchant Account?

A healthcare merchant account is a type of business account that enables healthcare service providers to process credit card and debit card transactions. This account can be beneficial for both small and large medical facilities, including hospitals, clinics, dental practices, and private practices.

How can I find the best Healthcare Merchant Account?

Start by identifying your specific needs, including the volume of transactions, types of transactions, and desired features like online billing or EMV chip card processing. You can then compare different service providers based on these criteria, as well as their pricing, customer service, and overall reputation.

Which factors should I consider while choosing a Healthcare Merchant Account?

There are several factors you should consider:
   1. Transaction fees
   2. Set up and monthly fees
   3. Types of accepted payments (Credit card, debit card, HSA cards, etc.)
   4. Level of customer service
   5. Security and fraud prevention measures
   6. Integration with existing systems (like practice management software)
   7. Additional services such as online payments, recurring billing, etc.

Are there any specific Healthcare Merchant Account providers you recommend?

Square, PayPal, Stripe, and Helcim. They all offer merchant services tailored to various industries, including healthcare. I recommend researching each provider's current offerings, reading user reviews, and seeking advice from others in your industry.

Is it essential for a Healthcare Merchant Account to be HIPAA compliant?

Yes, it's crucial. HIPAA (Health Insurance Portability and Accountability Act) compliance is necessary to ensure the protection of sensitive patient information. Any merchant account provider you consider should offer a solution that adheres to this and other relevant regulations.

What is the importance of having a Healthcare Merchant Account?

Having a Healthcare Merchant Account allows healthcare providers to offer convenient and secure payment options to their patients. This can lead to improved patient satisfaction and, potentially, increased revenue. It also helps streamline administrative tasks, saving time and reducing the potential for errors.

Are there any risks involved with Healthcare Merchant Accounts?

Like any financial tool, there are potential risks involved, including fraudulent transactions and data breaches. However, reliable merchant account providers offer robust security measures to minimize these risks. It's important to choose a provider that emphasizes security and complies with all relevant regulations.

Can I process Health Savings Account (HSA) or Flexible Spending Account (FSA) cards with a Healthcare Merchant Account?

Yes, most Healthcare Merchant Account providers allow you to process HSA and FSA cards, but it's always good to confirm this feature with your specific provider.

How can I apply for a Healthcare Merchant Account?

The application process varies depending on the provider but typically involves filling out an application form with details about your business. You might need to provide information such as your business's tax ID, estimated sales volumes, and details about your practice.

Can I have more than one Healthcare Merchant Account?

Yes, you can have more than one merchant account. However, it's often more cost-effective and efficient to manage all transactions through one account. If you have specific needs that one provider can't meet, it could be beneficial to have accounts with multiple providers.

Reader Comments

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2 User Reviews

  • Robert

    I wish to express my heartfelt thanks for your enlightening and comprehensive article on “Best Healthcare Merchant Accounts”. As a professional in the healthcare sector, your guide has been a truly invaluable resource in helping me navigate this specific niche.

    Your detailed evaluation of each merchant account, focusing on their unique advantages, potential downsides, and standout features, was both insightful and well-articulated. You’ve taken a complex topic and transformed it into an easily digestible format, making it accessible to readers like myself.

    Your emphasis on key aspects such as transaction fees, security protocols, customer service, and their ability to handle specialized healthcare transactions was incredibly beneficial. I found your insights on the integration with existing healthcare systems and the handling of insurance and patient payments particularly useful.

    It is evident that your guide is the product of extensive research, time, and deep understanding of the subject matter. Your commitment to providing accurate, relevant, and actionable information has not only simplified a complicated decision-making process, but also empowered healthcare professionals like me to make informed decisions.

    Thank you once again for your significant contribution. Your dedication, hard work, and expertise are deeply appreciated.

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