9 BEST Healthcare Credit Card Processing Companies in 2025

Not every credit card processor has HIPAA-compliant software or can integrate with the software medical offices use. And even those that do may not offer pricing models well-suited to your business. Just because one type of merchant account works for a physiotherapy clinic doesn’t mean it’ll work for a pharmacy.

That’s not to say you’re out on your own. I researched dozens of healthcare payment processing companies and found some fantastic options that come with affordable rates and integrate with Electronic Health Record (EHR) systems. Some of my recommendations even have HIPAA-compliant software and free hardware.

Paysafe is my top choice for its low fees, integration with Eldermark software for senior care businesses, international payment support, and free mobile card reader. Keep reading to see the best credit card processing companies for healthcare.

What is HIPAA Compliance for Payment Processing?

HIPAA compliance for payment processing refers to ensuring that any financial transactions involving protected health information (PHI) are handled in accordance with the Health Insurance Portability and Accountability Act (HIPAA).

Credit card processing itself is not considered a HIPAA-covered activity because you’re not storing any health-related information in your merchant account. If you’re only using a payment processor to accept payments, HIPAA compliance should be a non-issue.

However, any software that has access to personal health information (PHI) needs to be HIPAA-compliant – whether it’s built into your merchant account or offered as a third-party integration. This includes the tools you use to manage invoices, bookings, health records, or any other aspect of your practice.

What We Look For in the Best Healthcare Credit Card Processing for Medical Practices

There’s no one-size-fits-all solution to healthcare payment processing, but the best providers share a few essential features:

• HIPAA-compliant software and integrations. Whether built-in or via integration with tools like EHR systems, every processor on this list supports HIPAA-compliant solutions to help you securely manage patient data, invoices, and bookings.
• Robust security and PCI compliance. All selected processors meet PCI standards and use tokenization and end-to-end encryption to protect sensitive information. Some also offer tools for internal compliance support and regular security audits.
• Fraud and chargeback protection. Chargebacks are a major risk in healthcare, especially when insurance disputes arise. The processors we recommend offer dispute assistance, transaction monitoring, and customizable fraud filters to protect your revenue.
• Flexible payment options. From in-person credit card terminals to recurring billing, ACH, and digital wallets, I prioritized platforms that let patients pay how they prefer.
• Healthcare-specific features. Many of these processors listed offer extras like staff scheduling, inventory tracking, or integration with EMR systems.

1. Paysafe: Specialized HIPAA-Compliant Solutions for Health and Senior Care

Paysafe partners with Eldermark to provide specialized HIPAA-compliant processing solutions for health and senior care businesses. This HIPAA-compliant software lets you quickly onboard new clients, securely store patient-protected health information (PHI), set up care plans, and manage medications.

Paysafe supports 45+ currencies, including USD, CAD, GBP, and EUR, allowing you to accommodate international patients and ensure they can pay in their preferred currency. Paysafe also accepts 260+ payment methods, such as PayPal, Skrill, and major credit cards so you can easily accommodate diverse patient preferences and settle bills.

You can connect your healthcare applications to Paysafe’s Payments API to easily and securely process payments from one location. This leads to faster checkouts, broader payment options for patients, better patient experience, and proactive management of transactions through the Paysafe Business Portal.

Features and Benefits

• Securely store patient data. Paysafe’s API lets you build a Customer Vault to store patient profiles and payment information securely. Paysafe creates a unique token for each client that you’ll use to process future transactions, so you won’t have to enter sensitive billing data.
• Support for high-risk providers. If you primarily offer telehealth services, your practice may be considered high-risk, making it hard to secure affordable credit card processing. Paysafe is one of the few payment processors that works with higher-risk healthcare businesses.
• Partnership with Vindicia. Vindicia’s subscription management platform simplifies recurring payments, making it easier to manage ongoing patient services. It also helps recover failed transactions, ensuring a steady revenue stream.
• Free mobile card reader. Paysafe provides a free mobile card reader for in-person accounts, allowing you to accept payments on the go. This is especially useful for health fairs, home visits, or off-site services.

See more Paysafe features in our expert review.

2. Leaders Merchant Services: Best Deal for HIPAA-Compliant Processing

Leaders Merchant Services (LMS) has some of the lowest per-transaction rates I’ve seen, and it’s open to negotiating a fee that works for you. What’s more, if you’ve been with a credit card processor for at least two months, LMS promises to meet or beat your current processing rates, or it’ll give you a $200 gift card.

LMS gives you access to Clover’s full suite of equipment, and you can get one for free if you sign a long-term contract. Clover’s top-of-the-line devices come with HIPAA-compliant software and other specialized tools for managing your healthcare business, including invoicing, staff scheduling, recurring billing, and CRM software.

LMS supports a wide range of payment options, including all major credit and debit cards, as well as digital wallets like Google Pay, Apple Pay, and Samsung Pay. When you use Clover devices, you can also accept payments through PayPal and Venmo. By providing multiple payment channels, you accelerate collections and improve patient satisfaction.

Features and Benefits

• Merchant cash advances. LMS offers merchant cash advances to all its customers. If you’re unable to qualify for traditional financing, you’ll still be able to secure funding for your business through LMS.
• 98% approval rate. If you’ve struggled to find a credit card processor for your healthcare business in the past, give LMS a try. In some cases, you’ll know whether you’ve been approved on the same day, and you’ll be able to start taking payments in a few days.
• Add-on services. You can also negotiate additional services like loyalty programs and subscription payments, both of which can be extremely helpful for medical offices and specialized services.
• 24/7 phone support. This is ideal for healthcare practices that take after-hours emergencies. No matter what issue you’re having, you can count on LMS support for help.

Read more about negotiating your rates in our Leaders Merchant Services review.

3. PaymentCloud: HIPAA-Compliant Processing for High-Risk Healthcare Firms

Most credit card processors might flag your practice as high-risk if you offer patient services like telemedicine. However, PaymentCloud has an impressive 98% approval rate, so even if you face challenges obtaining payment processing services elsewhere, it will likely approve your application. PaymentCloud also has a specialized plan for high-risk businesses.

PaymentCloud assigns a dedicated account manager to guide you through the entire setup process. Your manager provides personalized support, resolves issues quickly, and answers questions so you can stay focused on patient care, not paperwork. They can also help you identify and implement third-party healthcare-specific integrations.

PaymentCloud claims to help you win 70% of chargeback disputes, providing peace of mind and financial stability for your practice. It also has impressive fraud protection tools like IP tracking, automatic fraud alerts, and temporary payment halts. PaymentCloud supports both low- and high-risk healthcare providers with fairly-priced plans starting from 2.1% + 15¢.

Features and Benefits

• Free payment hardware. PaymentCloud offers EMV- and NFC-compatible POS kiosks, wireless terminals, and mobile card readers at no extra cost.
• Financing options. From business lines of credit to equipment financing, PaymentCloud offers fast and easy solutions for medical, dental, and other healthcare practices. Funds are available in as little as 24 hours.
• Multiple business Integrations. To enhance overall efficiency, PaymentCloud supports hundreds of integrations with popular platforms, such as Hubspot, Slack, Shopify, and WordPress.
• Flexible online payments. As a PaymentCloud merchant, you’ll be able to accept credit cards, e-checks, ACH, MOTO payments, Apple Pay, and even cryptocurrencies like Bitcoin and Ethereum.

For more details, read our full PaymentCloud review.

4. CardX: Zero-Cost Credit Card Processing For Medical Practices

CardX helps you navigate complex surcharging laws by registering your healthcare practice with each card brand as required. This is especially important for multi-state operators or healthcare groups with several locations, as it reduces the risk of violating card brand rules and state regulations. So, whether you run a healthcare practice in Florida or a dental clinic in Texas, you can count on CardX to deliver.

CardX uses advanced debit card detection technology to identify when patients pay with debit cards, even if they select the “credit” option at the terminal. This system prevents surcharges on debit transactions, helping you eliminate billing errors and reduce negative patient experiences.

Patients pay a flat 3.5% customer surcharge surcharge when using credit cards through CardX, shifting processing costs away from your practice. If they choose to pay with a debit card, you cover a smaller fee of 1% + 25¢ per transaction. Just note that CardX has some costly monthly fees, including $35 for the POS terminal and $29 for access to its virtual terminal or CardX Portal.

Features and Benefits

• Free signage from CardX. You get free signage to notify patients about surcharges and remain transparent. This helps reduce confusion and frustration, ensuring a smoother check-in and payment process.
• CardX virtual terminal. You can use this tool to take payments over the phone or by mail. It instantly detects card types and calculates the correct processing fee. This helps staff avoid manual errors and ensure accurate, consistent billing across remote transactions.
• CardX Lightbox. For online payments, you can embed CardX’s Lightbox payment form directly into your website. This feature keeps patients on your site during checkout, giving them a seamless and secure payment experience.
• Custom POS device. For in-person payments, CardX gives you a custom Verifone VX520 POS terminal with EMV Quick Chip and proprietary software pre-installed. It is compatible with all modern cards and protects against fraud.

Read our comprehensive CardX review to learn more.

5. Stax: All-In-One Payment Processor With HIPAA-Compliant Software

Stax is one of the best healthcare payment solutions for US-based high-volume medical offices. If you generate $8,000+ monthly revenue, you can save up to 40% on payment processing with Stax. It offers 0% markup on interchange fees and a full suite of HIPAA-compliant software for a single monthly fee, so you save significantly on software fees alone.

Every Stax plan comes with Stax Pay, which gives you financial analytics and reporting, a virtual terminal, and even an online customer review management dashboard. The Pro plan unlocks Stax’s powerful invoicing software, which you can use to set up branded invoices with embedded payment links.

Most importantly, Stax prioritizes security to keep your data safe. As a PCI Level 1 certified credit card processor – the highest level of PCI compliance – it meets the most rigorous data security standards. However, Stax’s flat monthly fee may be costly for new or smaller practices. If you’re concerned about budget, a cheaper alternative like Paysafe might be a better fit.

Features and Benefits

• Wide range of POS devices. Stax supports terminals like Swipe Simple, Dejavoo, and PAX, so you can choose what best fits your practice. Its mobile app also turns your phone or tablet into a payment terminal, making transactions seamless from anywhere.
• Payment plans. You can set up payment plans on Stax’s Ultimate plan, which is ideal for healthcare practices that regularly charge for expensive procedures that clients may not be able to pay for in one go. You can also store payment methods for patients with recurring billing.
• Stax Connect. This tool lets you integrate payment processing directly into your Electronic Health Record (EHR) system via a single API. This removes the need for manual invoicing and separate payment processes, which can otherwise delay revenue.
• Aesthetic Record EMR Integration. Through Zapier, Stax integrates with specialty Electronic Medical Records (EMRs) like Aesthetic Record. This way, you can set up automated triggers, such as charging patients immediately after appointments are logged.

Read more about this processor’s software suite in our expert Stax review.

6. Payment Depot: Cost-Effective Processing for Healthcare Practices

With Payment Depot, you’ll pay an affordable monthly fee in exchange for 0% markups and a low flat transaction fee of 0.2%-1.95%. It’s one of the most budget-friendly credit card processors for healthcare, particularly given its exceptional security features. Unfortunately, it isn’t the most affordable solution for small practices processing less than $8,000 monthly.

Payment Depot is Level 1 PCI compliant, and it also limits the amount of time you can store information, which reduces potential fraud exposure. Payment information is also protected by end-to-end encryption and tokenization, which ensures sensitive data never leaves your local network or Payment Depot’s servers unprotected.

Payment Depot includes useful healthcare management integrations for processing patients’ insurance claims quickly, offering flexible payment plans and automated recurring billing. These help enhance your practice’s efficiency and improve your clients’ experience. I just wish Payment Depot provided better customer support, as it can take a while to reach an agent.

Features and Benefits

• Great security record. Payment Depot has never suffered a data breach. This indicates that it works hard to keep its systems secure and up to date so you can be sure your patient payment data is safe.
• Authorize.net integration. The Authorize.net payment gateway is included with your PaymentDepot plan. In addition to its advanced security features, you can add industry-specific software with features for patient onboarding, EMR (Electronic Medical Records), e-prescriptions, and an HIPPA compliant patient portal.
• Easily dispute chargebacks. You can dispute chargebacks directly from your Payment Depot dashboard. This is convenient and saves you from searching for the billing and transaction information you need, allowing you to focus on patient care.
• 24/7 risk monitoring. Payment Depot’s risk monitoring team constantly monitors changes in fraud methods and bank policy, which allows Payment Depot to build security solutions before a problem arises.

Read more about payment security in our in-depth Payment Depot review.

7. Square Payments: Free Tools for Online Healthcare Product Sales

Square’s free online store builder is perfect for selling products like supplements, orthopedic supports, or medical equipment. The professional designs make it easy to create a polished, trustworthy platform that mirrors the reliability patients expect from their healthcare providers.

Sometimes, you don’t need an entire website to connect with your patients. Square’s buy buttons, QR codes, or payment links are great for offering memberships, subscriptions, or accepting donations. You can quickly share payment links through email or text for services like flu shot drives or subscription plans for wellness checkups.

Square also provides a range of hardware, including stands and terminals. Its free card reader is perfect for mobile healthcare providers, like traveling nurses or physical therapists, allowing you to process payments on the go with ease. Plus, all Square hardware is HIPAA-compliant, supporting major payment types for a seamless checkout experience. That said, Square’s pricing is a bit higher than average, so it might not be the best option for a tight budget.

Features and Benefits

• Fast and easy onboarding. Set up your account, enter your healthcare business details, and start processing payments immediately – no lengthy approvals are required.
• Detailed sales and inventory reports. Square’s advanced software helps track medical supply sales, manage inventory, and identify service demand trends.
• Square staff and payroll. Streamline scheduling, payroll, and HR tasks with Square’s integrated tools, freeing up more time for patient care.
• Fast payouts with Square banking. Get instant access to your earnings through Square’s FDIC-insured business checking account, which is ideal for handling urgent payments.

See our expert Square Payments review for more details.

Other Notable Healthcare Credit Card Processing Companies

8. Worldpay

Worldpay serves 170+ countries and supports 135 currencies, making it a great fit for large healthcare systems, international clinics, and telehealth providers. It also accepts 300+ payment methods, including PayPal, Alipay, and Buy‑Now‑Pay‑Later options like Klarna, letting patients pay in their preferred way.

You can use Worldpay’s software development kits (SDKs) and gateway APIs to collect payments through your EMR and EHR systems. While Worldpay is rich in features, it’s less upfront about fees and pricing structures, which can be an issue if you’re managing tight budgets and billing cycles.

9. Chase Payment Solutions

Chase Payment Solutions offers several industry-specific payment tools, including the proprietary HIPAA-compliant InstaMed software. Like Chase, InstaMed meets the highest PCI standards and offers robust security measures like tokenization and end-to-end encryption to keep patient and payment data safe. It also smoothly integrates with existing healthcare IT systems and electronic health record (EHR) software.

I like how InstaMed offers automated payment posting to your practice’s management system, reducing manual data entry and minimizing errors. However, I don’t like that Chase provides limited support for PCI compliance. It gives you some advice on becoming compliant, but expect to handle your quarterly network scans and yearly questionnaires yourself. So, if you’re new to PCI compliance and unsure where to start, Chase might not be the best option.

Which Is the Best Healthcare Credit Card Processing Company for Your Clinic?

If you run an international healthcare or senior care practice, Paysafe offers HIPAA-compliant payment processing through its partnership with Eldermark. Paysafe also supports 45+ currencies and accepts 260+ payment methods, making it great for processing global transactions.

If you want to negotiate the best possible fees for your healthcare business, Leaders Merchant Services has some of the lowest rates in the industry and a fantastic meet-or-beat guarantee. Plus, you get Clover’s built-in HIPAA-compliant business and payment management tools.

If your healthcare business is considered high-risk, PaymentCloud has a 98% approval rate, which means there’s a high chance your business will be accepted. You also get excellent customer support and a dedicated account manager to help you get started with PaymentCloud quickly.

FAQ

What is the best healthcare payment processing company?

Paysafe is the best healthcare payment processing company. It has affordable processing fees, extensive fraud and chargeback protection, and HIPAA-compliant software integrations, including Eldermark for senior living businesses. Paysafe also supports 45+ currencies and accepts 260+ payment methods, making it great for international healthcare practices.

Which credit card is best for collecting hospital bills?

A hospital should use a versatile, secure merchant account rather than a specific “hospital credit card.” I recommend integrating with a healthcare payment system like Paysafe that supports 260+ payment types, including credit cards. This way, you can cater to different patients’ payment preferences.

What are the benefits of using a HIPAA-compliant payment processor in 2025?

Using a HIPAA‑compliant payment processor ensures your patient payment data and Protected Health Information (PHI) are encrypted and stored securely as you process transactions. Most credit card processors are exempt from HIPAA compliance, since they only handle payment data, not health information. That said, the EHR and EMR integrations that they offer (if they do) must be HIPAA-compliant.

Does a payment processing provider need to be HIPAA-compliant?

Payment processors that handle protected health information (PHI) must be HIPAA-compliant. However, standard CCP services are generally exempt from HIPAA regulations, as they typically do not handle PHI. If your payment processing involves PHI, ensure the provider and any associated or integrated third-party software complies with HIPAA requirements.

What is the best credit card processor for medical offices?

Paysafe is ideal for larger health businesses, while Leaders Merchant Services (LMS) is an excellent option for most medical offices. It offers low interchange-plus rates, merchant cash advances, and free Clover POS hardware. Through LMS’s Clover partnership, you get HIPAA-compliant software and tools for invoicing, staff scheduling, recurring billing, and CRM tailored to healthcare needs.

For more options, check out our list of the best credit card processors.