These Are The Best Merchant Accounts for Psychologists (2023)

Credit and Debit Card Processing for Psychology Practices

Patient comfort and convenience are of the utmost importance for any mental health professional. As a psychiatrist or a psychologist, you can differentiate yourself from competitors and improve patient satisfaction by offering a diverse array of payment options. These should include cash, checks, credit cards, debit cards, prepaid cards, and ACH transfers as well as in-person and online payments. You can also streamline your operations with additional business management tools like accounting software integration and online invoicing. But for every merchant account provider that can help your psychiatry practice, there are ten waiting to lock you into expensive equipment leases, long-term contracts, and high transaction fees. How are you supposed to tell a good option from a bad one?

To make your search easier, we’ve put together the following list of the best credit card processors for psychologists. The providers on this list offer in-person payment options, online billing, accounting integration, and other useful tools for growing and maintaining your mental health clinic. They are also known to provide low-commitment contracts with transparent pricing and quality customer support. To find the perfect provider for your office, be sure to research each processor’s products and features and compare pricing and terms.

How to Select the Best Psychology Credit Card Processor

When selecting the best credit card processor for a Psychology business in the USA, there are several factors to consider. We have identified some specific things to keep in mind.


It is important to choose a credit card processor that is PCI-compliant and follows strict security protocols to protect your clients’ sensitive information.

Credit Card Processing Fees

Look for a credit card processor that offers transparent pricing with no hidden fees. Consider the transaction fees, monthly fees, chargeback fees, and other costs that may apply.


Choose a credit card processor that integrates well with your existing practice management software or electronic health record system to streamline your payment processing.

Top-Rated Client Support

Ensure that the credit card processor offers reliable customer support to help you resolve any issues quickly and efficiently.


Consider the reputation of the credit card processor in the Psychology industry. Look for reviews and feedback from other Psychology professionals to get a sense of their experience. You can consider our review on this website, by simply searching for the processor in the search bar at the top of this page.

Payment Types

Check if the processor accepts all major credit and debit cards and if they offer alternative payment options like PayPal, Apple Pay, or Google Wallet, which may be convenient for some clients.

Chargeback Policies

Be aware of the chargeback policies of the credit card processor, as some may be more favorable to businesses than others.

Some popular credit card processors for Psychology businesses in the USA include Stripe, Square, PayPal, and It’s important to compare the features and fees of different options to find the one that best suits your business’s needs.

Here Are The Best Merchant Services for Psychologists

helcim logo

#1 Helcim

Top Rated Merchant Service for Psychologists

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 the Ideal Payment Processing Solution for Psychology Businesses

If you own a psychology business and want to accept credit card payments from your customers, Helcim is the ideal payment processing solution for you. Helcim offers a range of payment processing services tailored to meet the unique needs of psychology businesses. Here are some reasons why Helcim stands out as an excellent option for your psychology business:

Customized Payment Solutions for Psychology Businesses

Helcim understands the unique needs of psychology businesses and provides customized payment solutions to meet those needs. Whether you are a solo practitioner or run a large psychology clinic, Helcim offers a range of payment processing solutions that can be tailored to suit your specific needs.

High Level of Security and Compliance

Psychology businesses deal with sensitive client information, and Helcim takes security seriously. They offer advanced security measures to ensure that your customers’ payment information is secure. Moreover, Helcim complies with all the relevant regulations and standards, such as PCI DSS, ensuring that your business is always in compliance with the latest industry requirements.

Competitive Rates

Helcim offers some of the most competitive rates in the payment processing industry. They offer transparent pricing, with no hidden fees, and provide a range of pricing options that can be tailored to suit your business’s unique needs.

Easy Integration with Your Existing Systems

Helcim’s payment processing solutions can be easily integrated with your existing systems. Whether you use a point-of-sale (POS) system, an e-commerce platform, or any other business management software, Helcim’s payment solutions can be seamlessly integrated to streamline your payment processing workflow.

Helcim offers a range of payment processing solutions that are tailored to meet the unique needs of psychology businesses. With a high level of security and compliance, competitive rates, and easy integration with your existing systems, Helcim is an excellent choice for businesses that want to accept credit card payments from their customers.

Helcim Payments

No Monthly or Annual Fees

Super Low Processing Rates

POS, Mobile, and Online Payments

Sales & Support:

Host Merchant Services logo

Host Merchant Services

Top Rated Credit Card Processor for Psychologists

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for psychology practitioners. 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, third-party software integration, and merchant cash advance. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to new merchants who require them. Host is a great fit for psychologists who would like to accept payments in person and online for an affordable price.

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 available and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

Why Host Merchant Services is the Best Payment Processing Service for Psychologists

For psychologists who run their own small business, accepting credit card payments from clients is essential. Host Merchant Services offers a range of payment processing options specifically tailored to the needs of psychologists. With features such as low processing fees, reliable service, and advanced fraud protection, Host Merchant Services is the ideal choice for any psychology business owner looking to streamline their payment process.

Low Processing Fees for Psychology Businesses

Host Merchant Services is known for their competitive pricing, making it an excellent choice for psychology businesses looking to keep their costs low. The company offers a range of pricing options, including a flat fee structure, so you can choose the plan that best suits your needs. With Host Merchant Services, you’ll have access to some of the lowest processing fees in the industry, so you can save money and focus on growing your business.

Reliable Service for Psychology Business Owners

As a psychologist, you need to be able to rely on your payment processing service to ensure that you’re always able to accept payments from clients. Host Merchant Services provides reliable and efficient service, ensuring that your payments are processed quickly and securely. With 24/7 customer support and a team of dedicated professionals, you can trust that Host Merchant Services has your back.

Advanced Fraud Protection for Psychology Transactions

Fraud can be a major concern for psychology businesses, as clients often pay for services online or over the phone. Host Merchant Services offers advanced fraud protection features to help keep your business safe. Their security measures include tokenization and encryption, which ensure that client data is protected at all times. With Host Merchant Services, you can have peace of mind knowing that your business is secure and your clients’ information is protected.

Host Merchant Services is the ideal payment processing service for psychology businesses. With low processing fees, reliable service, and advanced fraud protection, you can be confident that your business is in good hands. If you’re looking for a reliable and efficient payment processing solution, look no further than Host Merchant Services.

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


Host Merchant Services

Highly Rated Customer Support

Competitive Rates & Fees

No Contract

Sales & Support:

PaymentCloud Logo


Top Rated for Psychologist 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 psychologists as it allows them to easily deal with patients directly at the office while allowing them to pay online through a virtual terminal from the comfort of their home.

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.”

PaymentCloud: The Ideal Credit Card Processing Solution for Psychologists

As a psychologist, you need a reliable payment processing solution that can help you efficiently accept credit card payments from your clients. PaymentCloud is an ideal option for business owners who sell psychology services and want to make the payment process simple and hassle-free.

Seamless and Secure Payment Processing

With PaymentCloud, you can enjoy a range of benefits that are specifically designed to cater to the needs of psychologists. First and foremost, PaymentCloud offers a seamless and secure payment processing system that ensures your clients’ information is always protected. You can rest assured that your clients’ credit card details are secure, and you can focus on delivering the best possible service to them.

Wide Range of Payment Options

PaymentCloud provides you with a range of tools and features to help you manage your payments effectively. You can easily accept payments through various channels, including online, in-person, and mobile. PaymentCloud also offers fast funding, so you can access your funds quickly and efficiently.

Specialize in High-Risk Business Transactions

Another key advantage of PaymentCloud is that it specializes in working with high-risk businesses, including psychologists. Whether you are a new business or have been in the industry for a while, PaymentCloud can help you find a solution that meets your unique needs.

Psychologists looking for a reliable and efficient credit card processing solution, PaymentCloud is an excellent choice. With its secure payment processing, range of tools and features, and specialization in working with high-risk businesses, PaymentCloud is the ideal partner for your psychology business.

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



Fast Approval of Most Industries

Competitive Rates

No Cancellation Fees

Sales & Support:

cdg commerce logo

CDG Commerce

Top Rated for Psychologist Merchant Accounts

Located in Chesapeake, Virginia, CDG Commerce is another ideal option for psychology 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 psychology 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.

Why CDG Commerce is a Great Credit Card Processing Solution for Psychology Businesses

CDG Commerce is an ideal credit card processing solution for psychology businesses that need to accept credit card payments from their clients. The company has an impressive track record of providing reliable and affordable payment processing services to businesses across various industries, including psychology. CDG Commerce’s expertise in payment processing for psychology businesses is evident in the customized payment solutions that it offers.

Competitive Pricing and Transparent Fees

One of the significant benefits of using CDG Commerce for psychology payment processing is the company’s ability to process various payment types, including credit cards, debit cards, and e-checks. This flexibility means that psychology businesses can accept payments from clients in multiple ways, increasing the chances of closing a sale. CDG Commerce also offers competitive pricing and transparent fees, making it easier for psychology businesses to budget for payment processing expenses.

Compliance with Industry Standards and Regulations

Another reason why CDG Commerce stands out as an ideal payment processing solution for psychology businesses is its compliance with industry standards and regulations. As a business owner in the psychology industry, you must adhere to specific regulations and standards related to payment processing. CDG Commerce’s payment solutions are PCI-compliant and meet all the relevant industry standards and regulations, giving psychology businesses peace of mind when it comes to payment processing.

CDG Commerce is an excellent option for psychology businesses that need a reliable and cost-effective payment processing solution. With its expertise in psychology payment processing, flexible payment options, competitive pricing, and compliance with industry standards, CDG Commerce is a trusted partner for businesses in the psychology industry.

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


CDG Commerce

Low Rates & Fees

No Cancellation Fees

Compatible With Numerous Apps

Sales & Support:

Additional Options

national processing logo

National Processing

National Processing offers several small business processing options and can assist psychologists in finding the right mobile POS 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 psychologists.

National Processing: A Top Choice for Psychologists’ Payment Processing Needs

As a psychologist, accepting credit card payments from your clients is essential for maintaining a successful practice. National Processing is a leading credit card processing service that offers a range of features designed to meet the unique needs of psychologists and mental health professionals.

Secure Payment Processing

National Processing prioritizes security, offering advanced fraud protection and PCI compliance to ensure that your clients’ sensitive information is protected. With National Processing, you can feel confident that your clients’ payments are processed securely and efficiently.

Customizable Payment Solutions

Psychologists have unique needs when it comes to payment processing. National Processing offers customizable solutions to fit your practice’s specific requirements. Whether you need to accept payments in-person or online, National Processing has you covered with a variety of options, including virtual terminals and mobile payment processing.

Competitive Rates

National Processing offers competitive rates and transparent pricing, so you can easily manage your expenses and avoid unexpected fees. With National Processing, you can enjoy lower processing fees than many other credit card processing services.

24/7 Customer Support

National Processing offers 24/7 customer support, so you can get help whenever you need it. Whether you have questions about your account or need assistance with technical issues, National Processing’s knowledgeable customer support team is always available to help.

National Processing is an excellent option for psychologists and mental health professionals looking to accept credit card payments. With secure payment processing, customizable solutions, competitive rates, and 24/7 customer support, National Processing has everything you need to manage your payments and grow your practice.

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

National Processing

Best Option For Clover POS

Competitive Rates & Fees

Highly Rated Customer Service

Sales & Support:

Shopify Logo
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. This flexibility makes Shopify an excellent option for small psychology offices.

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 psychologists 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 Psychology Businesses Looking to Accept Credit Card Payments

If you are a small business owner selling psychology services, you know how important it is to have a reliable and secure credit card processing service. That’s where Shopify comes in. As one of the most popular e-commerce platforms on the market, Shopify offers a range of features that make it an excellent choice for businesses in the psychology industry.

Incredibly Secure Payment Processing System

Shopify’s payment processing system is incredibly secure. With Shopify, you can rest assured that your customers’ credit card information is being handled in a way that meets the highest security standards. This is especially important in the psychology industry, where confidentiality and privacy are of the utmost importance.

User-Friendly Interface

Another reason why Shopify is a great option for psychology businesses is its user-friendly interface. Setting up your online store and accepting credit card payments has never been easier, thanks to Shopify’s intuitive dashboard and easy-to-use tools. This means you can focus on growing your business and helping your customers, instead of worrying about technical issues and payment processing logistics.

Integrates with Psychology Software Platforms

Shopify offers a range of features that are specifically tailored to psychology businesses. For example, you can easily set up appointment scheduling and billing, as well as integrate your online store with other popular psychology software platforms. This makes Shopify a one-stop-shop for all your business needs, allowing you to streamline your operations and focus on what you do best: helping your clients.

If you are a small business owner in the psychology industry looking for a reliable and user-friendly credit card processing service, Shopify is an excellent option to consider. With its secure payment processing system, user-friendly interface, and tailored features, Shopify can help you take your business to the next level and provide your clients with the best possible service.

For more information, visit the Shopify website.



Easy to Use Store Builder

Integrated Payment Options

Mobile and Point-of-Sale Options

Frequently Asked Questions: Psychologists Credit Card Processing

What are merchant accounts for psychologists?

Merchant accounts for psychologists are financial services that allow mental health professionals, such as psychologists and therapists, to accept credit card and electronic payments from their clients. These accounts facilitate secure and convenient payment processing for counseling sessions and mental health services.

Why do psychologists need specific merchant accounts?

Psychologists and mental health professionals often have unique payment processing needs, including recurring billing for therapy sessions and secure handling of sensitive client data. Specific merchant accounts designed for psychologists cater to these requirements and offer solutions tailored to the mental health industry.

How can I find the best merchant account for my psychology practice?

To find the best merchant account for your psychology practice, consider the following steps:

a. **Research Mental Health-Focused Processors:** Look for payment processors that specialize in serving mental health professionals and healthcare businesses. These providers will understand your industry’s specific needs and compliance requirements.

b. **Check for HIPAA Compliance:** If you are processing healthcare-related payments and handling sensitive client data, verify that the provider is compliant with the Health Insurance Portability and Accountability Act (HIPAA) to ensure patient data protection.

c. **Compare Fees and Rates:** Assess the processing fees, transaction rates, and any other costs associated with each potential merchant account. Choose a provider with transparent and competitive pricing that aligns with your psychology practice’s size and client volume.

d. **Consider Payment Options:** Ensure that the merchant account supports various payment options, including credit cards, debit cards, and online invoicing, to offer flexibility to your clients.

e. **Check for Integration with Practice Management Software:** If you use practice management software to manage your psychology practice, ensure that the merchant account can integrate seamlessly with it for streamlined operations.

Can psychologists use regular merchant accounts for payment processing?

Psychologists can use regular merchant accounts offered by mainstream providers. However, specialized merchant accounts for mental health professionals may offer specific features and functionalities tailored to the healthcare industry’s unique needs.

 Are there any specific considerations for psychology practices with multiple therapists or counselors?

Psychology practices with multiple therapists or counselors should consider their unique requirements when choosing a merchant account. Look for providers that can accommodate multiple users and provide detailed reporting and reconciliation features to manage payments for each professional separately.

How long does it take to set up a merchant account for a psychology practice?

The time it takes to set up a merchant account can vary depending on the provider and your psychology practice’s specific circumstances. Typically, the process can take a few days to a couple of weeks. Initiating the application process early can help ensure a smooth setup.

 Can psychology practices accept contactless and mobile payments?

Yes, many merchant account providers offer contactless payment options, such as tap-and-go cards and mobile wallet payments like Apple Pay and Google Pay. Accepting these payment methods can enhance the convenience for your clients during their counseling sessions.

Can psychology practices process both one-time payments and recurring billing with a merchant account?

Yes, specialized merchant accounts for psychology practices typically support both one-time transactions for individual counseling sessions and recurring billing for ongoing therapy or subscription-based services.

Are there any additional tips for choosing the best merchant account for my psychology practice?

– Seek recommendations from other mental health professionals or psychology practice owners for their preferred merchant account providers.
– Look for providers that offer secure payment processing with advanced fraud prevention measures to protect your practice and clients’ payment data.
– Read customer reviews and testimonials to gauge the satisfaction levels of other psychology practices using the same provider.
– Review the contract terms carefully and understand any potential cancellation fees or contractual obligations.

Reader Comments

Tell Us What You Think

1 Responses

  • I am writing to express my sincere appreciation for your comprehensive and insightful article on “Best Merchant Accounts for Psychologists”. As a professional psychologist, your guide has proven to be an indispensable resource, aiding me in understanding and navigating this specialized area.

    Your detailed analysis of each merchant account, highlighting their unique benefits, potential limitations, and specific features, was meticulously done. You have the talent to distill complex topics into digestible information, making this complex subject more comprehensible for readers like myself.

    I especially valued your focus on vital aspects such as transaction fees, customer service, and security measures. Your insights into the specific needs of psychology practices, such as handling recurring payments, managing online consultations, and maintaining patient confidentiality, were exceptionally beneficial.

    It is clear that your guide is the product of extensive research, time, and a deep understanding of the field. Your commitment to providing accurate, relevant, and actionable information has significantly simplified the typically complex decision-making process, empowering professionals like me to make informed decisions.

    Thank you once again for your invaluable contribution to this field. Your hard work, dedication, and expertise are deeply appreciated.

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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.