Credit Card Processing for Chiropractic Practices

Check the payment setup before you switch

Start with three representative statements and the payment methods you need to keep. Ask for the complete written account cost, including monthly charges, online payment costs and equipment terms. A standalone terminal is not the same as an integration with your business software.

What card fees take from chiropractic practices

A monthly fee on membership Processing a $99 membership on a stored card costs $3.50 each month.

Patients paying out of pocket These patients usually pay by card. The processing fee reduces what you keep from the visit price.

Fixed charges on small copays Each small card payment still carries a swipe charge. It takes a larger share of those smaller amounts.

Card costs using the 3.54% benchmark

Adjustment ($65): $2.30 in processing cost.

Monthly membership ($99): $3.50 in processing cost.

Care plan ($1,200): $42.48 in processing cost.

Monthly card sales ($35,000): $1,239 in processing costs. 3.54% is BlueFinch clients' average all-in effective rate before switching. These are calculated examples, not promised savings.

What's included in the offer

Properly configured, eligible credit and debit card transactions can use a 0% merchant processing rate. BlueFinch provides a free standalone terminal without an equipment lease, long-term contract or cancellation fee, plus signage and help getting started.

Monthly, PCI, gateway, batch, chargeback and other fees specific to your account may still apply. State law, underwriting, network rules, the processor or acquirer, payment channels and customer-facing prices determine the exact program.

Using both prices in daily work

Show prices in the plan: Before enrollment, put both cash and card prices in the patient's care plan.

Explain at the front desk: Use a consistent explanation of the choices at each visit.

Offer the payment choice: Patients can use cash or a check, or pay the card price with credit or debit.

Match your practice records: Keep payment amounts consistent with your practice system.

Likely to suit you

You offer cash-pay visits and care plans

Stored cards pay for memberships

Front-desk staff explain the choices consistently

Your practice system can display both prices

Check these first

Insurers provide most revenue

Payer contracts or state rules restrict patient prices

Existing stored-card plans can't be repriced

Your software can't keep amounts consistent

Answers for business owners

Is dual pricing available to chiropractors? Many use it, but payer contracts and state rules differ. We'll review both before making changes.

Can care plans and memberships use it? Yes. They can follow this pricing when patients agree in writing during enrollment.

Can we keep our practice system? The terminal works alongside most practice-management systems. We'll check your system first.

Can I use it in my state? Yes. We work in all 50 states, each with its own card-pricing rules. We set up your prices and signs to fit the rules where your business operates.

Can I keep my POS? Yes. Some POS systems require their own merchant account and charge a much higher rate to cover the software. If yours works that way, we'll explain your options.

How soon can I switch? In minutes once you're approved. Plug in your terminal, connect to Wi‑Fi and start taking cards.

Check the numbers and the rules.

• 2026 processing cost report

  Inspect the 3.54% BlueFinch benchmark, calculation method and dated primary sources.

• Merchant statement decoder

  Use settled card volume and all fees from the same statement period.

Primary references

• Visa: cash discounts and card-acceptance rules

  Visa permits a cash discount as a reduction from the standard price. Its surcharge rules are a separate program; your acquirer agreement and local requirements also apply.

• Mastercard: credit-card surcharge rules

  Mastercard distinguishes credit-card surcharges from debit and prepaid transactions. Do not treat a surcharge and a posted cash/card price program as interchangeable.