These Are The Best Healthcare Merchant Accounts

These Are The Best Healthcare Merchant Accounts

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.

Top Picks for U.S. Health Care Merchant Services

Host Merchant Services

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+.”

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


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.”

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

CDG Commerce

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+.”

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

Additional Options

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.

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


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.

For more information, visit the Shopify website or call (888) 746-7439.

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.


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Phillip Parker
Phillip Parker
Credit Card Processing
4 min read
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