Medical & Healthcare Payment Processing
Practices take payments in the office, over the phone, and on recurring plans. CMS helps you compare Flat Rate, Surcharge, and Cash Discount with security expectations built in.
What usually changes what you pay
In medical, ticket size, how customers pay, and debit versus credit mix can move your real cost more than a advertised “flat” plan admits. Use the points below as a checklist when you compare options.
- In-office vs phone payments
- Recurring patient billing
- Payment security expectations
- Typical visit amounts
Good to know
These notes are written for business owners. They explain what CMS looks at before recommending Flat Rate, Surcharge, or Cash Discount for this industry.
- Front-desk card-present payments and phone/card-on-file payments do not cost the same—CMS treats them separately.
- PCI and payment security are part of the review. CMS charges $0 PCI while you stay compliant; Non-Compliant fees are avoidable.
- Surcharge and Cash Discount follow your confirmed state and disclosure rules.
- Pair this guide with CMS Payment Security and PCI resources when you want the full picture.
Flat Rate · Surcharge · Cash Discount
Healthcare is not “retail with a different logo.” CMS reviews how patients pay, then steers toward Flat Rate, Surcharge, or Cash Discount—comparable offers, not a national-average sell rate.
- CMS Flat Rate
- CMS Surcharge Program
- CMS Cash Discount Program
Competitor logos and rates never link off-site. Customers see verified plan details only when CMS has confirmed them.
Pricing only. CMS does not recommend a terminal, POS, gateway, or partner platform on this page.
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