Should Medical Practices Use a Payment Processor That Specializes in Healthcare?

Learn why working with a healthcare-savvy payment processor like Merchant Match can help your medical practice save $15K–$20K per year in credit card fees - while staying fully compliant with HSA/FSA and Visa/MasterCard rules.
Published on
October 15, 2025

Should Medical Practices Use a Payment Processor That Specializes in Healthcare?

Owning and operating a medical practice is about more than just delivering quality care. It’s also about running a smooth, efficient business - and part of that means giving your patients convenient, secure ways to pay.

That raises a common question: Should you work with a credit card processing company that specifically serves medical practices? Let’s take a look at the advantages - and what to watch for.

At Merchant Match, we specialize in eliminating credit card fees in the private practice space. Our unique payment service saves you thousands of dollars per year while keeping you fully compliant with HSA/FSA card regulations and Visa/MasterCard rules.

The Benefits of Working with a Healthcare-Focused Payment Processor

Accepting payments at a medical practice can be nuanced. Merchant Match understands the details and helps businesses navigate any challenges.

There are real advantages to choosing a processor that understands the unique needs of medical businesses:

1. HSA/FSA Compatibility

Patients are increasingly using Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) to cover medical expenses. Our system is fully compliant with the requirements needed to accept these forms of payment—making it easier for patients to pay you and reducing the friction in your billing process.

2. Integration with Healthcare Systems

Many processors that serve medical businesses offer integrations with popular electronic health records (EHR) and practice management software (PMS). This helps streamline billing, reduce errors, and save your staff valuable time.

3. Custom Payment Features

From recurring billing for treatment plans to contactless payment options during check-in, healthcare-specific processors often offer tools that are built with your workflow in mind. These features improve the patient experience and simplify back-end operations.

4. Understanding Your Payment Flow

Medical payments aren’t always straightforward. Whether it’s dealing with co-pays, deductibles, or payment plans, a processor that understands the healthcare space can help you set up a solution that supports your practice’s cash flow and patient needs.

Save Money with Customer Choice Pricing

At Merchant Match, we go a step further by helping medical practices significantly reduce—or even eliminate—their credit card processing fees through our Customer Choice Pricing program.

Here’s how it works:

  • When a patient chooses to pay with a credit card, they are presented with a small surcharge that covers the processing fee.
  • If they pay with a debit card, HSA, or FSA card, the surcharge is waived and your practice absorbs the minimal processing fee.
  • Our system is equipped with a "fee listener" that automatically detects the type of card being used and applies the correct rule—ensuring total compliance with Visa and Mastercard regulations.

This approach is 100% legal, compliant, and patient-friendly, and it’s one of the easiest ways for healthcare providers to cut unnecessary costs.

Most of our clients in the medical field save anywhere from $15,000 to $20,000 annually - just by switching to this model. Of course, your exact savings will depend on your credit card volume, but if you're processing a significant number of payments each year, the impact is real and immediate.

Why Medical Practices Choose Merchant Match

We support healthcare providers across Palm Beach County, FL, and Raleigh-Durham, NC with modern, tailored solutions that make business sense:

  • Full HSA/FSA card compliance
  • Transparent, legal Customer Choice Pricing to reduce or eliminate credit card fees
  • Seamless recurring billing and online invoicing tools
  • Friendly, local support from a real person who understands your business

You can watch a testimonial from a medical practice customer in Raleigh, NC here:

Final Thoughts

Choosing the right payment processor isn’t just about who serves your industry - it’s about who helps your practice save money, stay compliant, and improve the patient experience. Whether or not a provider is “medical-only” doesn’t matter as much as whether they understand your challenges and provide real solutions.

Want to see how Merchant Match can save your medical practice thousands in processing fees?
📍 Serving Palm Beach County, FL & Raleigh/Durham, NC
📞 Contact us today for a free consultation.

Merchant Match is dedicated to giving its customers the best pricing plans for them, every single day.
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