Healthcare Payment Processing
★★★★★
5.0 · The highest-rated payments team in Tampa Bay
Stop absorbing card fees your
patients should be covering
Secure, compliant payment processing for medical, dental, chiropractic, wellness, and specialty practices. Dual pricing, ACH, front desk terminals, and patient invoicing — built around how your office actually collects money.
No system changes required · No contracts · Local Tampa Bay setup & support
Dual pricing available
PCI-compliant setup
ACH for high-ticket billing
Works with your EHR
~0%
Effective processing cost with dual pricing
ACH
High-ticket friendly
PCI
Compliant payments
$0
Cancellation fees
Why This Matters
Most healthcare practices are absorbing fees they don't have to
A medical practice doing $80K/month in card volume pays roughly $2,300/month in processing fees at 2.9%. That's $27,600 a year. Dual pricing, ACH, and a properly structured merchant account can change that picture dramatically — without touching your EHR, your billing software, or the way patients check out.
We help healthcare offices build payment systems that are secure, practical, and easy for staff and patients to use. That may include dual pricing at the front desk, ACH for larger balances, text-to-pay, hosted payment links, patient invoicing, installment options, or a simple terminal setup that works alongside your existing workflow instead of disrupting it.
The right combination depends on your practice type, average ticket, patient mix, and whether you collect primarily at checkout, after insurance, or on a billing cycle. Tampa Bay Pay figures out which tools actually fit — and sets them up correctly.
Three levers most practices never use
1Dual pricing — patients who pay by card cover the processing fee. Near-zero cost on all card volume.
2ACH — for larger balances, treatment plans, and recurring memberships. Fraction of card cost on high-ticket billing.
3Interchange-plus pricing — if you keep card processing, this is the structure that stops you from overpaying on every transaction.
Most practices are using none of these — and writing off thousands a year as a cost of doing business.
A payment cost review takes 10 minutes and doesn't require changing a single system. We'll show you exactly what your practice is paying, where the money is going, and what a properly structured setup would cost instead.
Payment Solutions
What we set up for healthcare practices
Every solution works alongside your existing EHR and practice management software. No platform replacement, no workflow disruption — just a better payment layer underneath.
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Dual pricing at checkout
Post a cash price and a card price at the front desk. Patients who pay by card cover the processing fee — typically 4%. Patients who pay by cash, check, or ACH pay the base price. Your practice keeps the full amount either way. Florida law permits this when correctly disclosed, and Tampa Bay Pay sets it up right.
Why it's the strongest option
Near-Zero Processing Cost
Legal in Florida
Patient Chooses How They Pay
Works at Front Desk & Online
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ACH for high-ticket billing
For larger balances, treatment plans, membership billing, and recurring charges, ACH costs a small fixed fee plus a low percentage — far less than 2.9% on any meaningful amount. On high-volume practices with recurring billing or large procedure balances, the savings add up fast.
Best fits
Treatment Plans
Memberships
Recurring Billing
Large Balances
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Front desk card processing
Reliable hardware for in-person payments — EMV, contactless, Apple Pay, Google Pay. Whether you want a simple countertop terminal or something that integrates with your practice management system, we match the right hardware to your workflow.
Acceptance types
EMV Chip
Contactless
Apple & Google Pay
Swipe
📩
Patient invoicing & text-to-pay
Send payment links directly to patients by text or email. Dual pricing can be embedded in the link so the card vs. cash price is shown at checkout — no front desk interaction required. Useful for post-visit balances, after-insurance billing, and any situation where the patient pays remotely.
Use cases
Text-to-Pay
Email Invoices
After-Insurance Billing
Remote Checkout
🔁
Recurring billing & memberships
Concierge practices, wellness clinics, and membership-based health models run on recurring billing. Set up automatic monthly charges on ACH to minimize fees, with a customer portal where patients can update their own payment method without calling the office.
Strong fits
Concierge Medicine
Wellness Memberships
Med Spa Plans
Auto-Renewal
📞
Local, hands-on support
When something breaks at the front desk — a terminal goes down, a payment link stops working, a configuration question comes up — you want a real person locally, not a support queue. Tampa Bay Pay provides direct access and same-day responses for active clients.
Support model
Direct Contact
Same-Day Responses
Tampa Bay Based
Dual Pricing for Healthcare
Why dual pricing is the strongest move
for most healthcare practices
Most practices are absorbing card fees on every single patient transaction. Dual pricing flips that — patients who pay by card cover the cost, patients who pay another way get a lower price. The practice keeps the full amount either way.
How it works at the front desk
Your front desk posts two prices for every service — a cash/check/ACH price and a card price. The card price is typically 4% higher. The patient sees both prices at checkout and chooses how they want to pay. Either way, your practice collects the full amount. No fees absorbed, no write-offs, no end-of-month surprise on your statement.
Florida law allows this when it's properly disclosed. Tampa Bay Pay sets up the hardware, configures the pricing, and ensures disclosures are displayed correctly — the wrong setup creates patient confusion and compliance risk.
Example — $200 office visit
Cash / Check / ACH price
$200.00
Card price (4% added)
$208.00
Processing cost to practice
$0.00
Without dual pricing
Practice doing $50K/month in card volume pays ~$1,450/month in processing fees at 2.9% — $17,400/year written off.
With dual pricing
Same $50K/month in card volume. Patients who pay by card cover the fee. Practice's effective processing cost: near zero. That's $17,400/year back in the business.
Works online too
Dual pricing can be embedded in payment links and invoices — patients see both prices when they click to pay remotely, not just at the front desk.
No patient pushback?
Most patients already see cash discounts at gas stations and service businesses. When it's disclosed clearly, most patients understand it — and many choose ACH to get the lower price.
Real Practice Scenarios
How practices actually
use Tampa Bay Pay
use Tampa Bay Pay
Common setups we build. Yours probably looks like one — or a mix.
1 / 5
Scenario 01Medical Practice
Dual Pricing at Desk
🩺
PRIMARY CARE · 3 PROVIDERS
Scenario 01 — Medical Practice
Primary Care Practice
Dual pricing at front desk · ~$1,500/month recovered
A three-provider primary care practice was processing roughly $52K/month in card payments through their EHR's built-in processor at 2.9% — about $1,500/month in fees. Switching to dual pricing at the front desk meant patients who paid by card covered that cost themselves. Patients who paid by cash or check paid the standard price. The practice's effective processing cost dropped to near zero without changing check-in, billing, or clinical workflows.
Their Setup
Dual pricing terminals at front desk + text-to-pay with dual pricing for post-visit balances + ACH option for larger bills
Scenario 02Dental Office
ACH + Dual Pricing
🦷
DENTAL · HIGH-TICKET PROCEDURES
Scenario 02 — Dental Office
General Dental Practice
Dual pricing on all copays · ACH on implants & large cases
A dental office had two billing situations: routine copays and cleanings at checkout, and larger procedure balances ($2,000–$8,000 for implants, crowns, and cosmetic work) billed after insurance. Dual pricing at the front desk eliminated processing costs on everyday visits. ACH for large procedure balances — where 2.9% would mean $58–$232 per transaction — cut those fees to a small fraction of the card cost. Combined, their monthly processing cost dropped by over 85%.
Their Setup
Dual pricing terminals at checkout + ACH for large treatment balances + payment links by text/email for post-insurance billing
Scenario 03Concierge Medicine
ACH Memberships
🏥
CONCIERGE PRACTICE · 400 MEMBERS
Scenario 03 — Concierge Practice
Concierge Medical Practice
400 members at $250/mo · ACH saves $1,400/month
A concierge practice billing 400 members at $250/month was paying about $2,900/month in card processing fees. Moving half the membership base to ACH — which most members preferred for a recurring charge anyway — cut fees from $2,900 to roughly $1,400/month. Members who stayed on card were switched to dual pricing so the processing cost was covered by the card surcharge, not the practice. Net processing cost: near zero.
Their Setup
Recurring billing with ACH primary + dual pricing for card-paying members + customer self-service portal for payment method updates
Scenario 04Med Spa
Dual Pricing + Packages
✨
MED SPA · TREATMENTS & PACKAGES
Scenario 04 — Med Spa
Medical Spa
Dual pricing on all services · 2–3x margin on processing
Med spas run high average tickets — Botox, filler, laser treatments, and skincare packages often run $300–$1,500 per visit. Nearly all clients pay by card. Dual pricing means the practice posts a cash price and a card price at checkout. Clients who pay by card cover the processing fee. On $70K/month in card volume, that's roughly $2,000/month the spa was previously absorbing — now the clients who choose card are covering it instead.
Their Setup
Dual pricing at checkout + payment links with dual pricing for deposits and packages + recurring billing for membership plans
Scenario 05Chiropractic
Care Plans + Dual Pricing
🧠
CHIROPRACTIC · CARE PLANS
Scenario 05 — Chiropractic / Wellness
Chiropractic Practice
Dual pricing at desk · ACH on care plans · Nearly free processing
A chiropractic office collected payments two ways: small copays at every visit, and larger care plan payments ($400–$1,200) billed upfront. Dual pricing at the front desk covered the everyday visits. ACH for care plan collections — where 2.9% on a $1,000 plan costs $29 — dropped those fees to a small fraction of the card cost. Between the two, the office's total monthly processing cost across all billing fell to under $50/month.
Their Setup
Dual pricing terminal for visits + ACH for care plan billing + payment links for remote and new patient deposits
Every practice is different. Your mix of visit types, average ticket, and billing cycle determines the right configuration.
Build My Setup →
Practice Types We Support
Healthcare and wellness practices we work with
From solo practitioners to multi-provider groups, the payment challenge is the same — collect efficiently, reduce what you absorb, and keep everything compliant.
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Medical Practices
Primary care, specialty, and urgent care offices. Dual pricing at front desk + text-to-pay for after-insurance balances.
🦷
Dental Offices
High-ticket procedures where ACH saves significantly. Dual pricing for routine copays and cleanings at checkout.
✨
Med Spas
High average tickets, nearly all card volume. Dual pricing is the primary lever — 2–3x more margin vs. standard processing.
🧠
Chiropractic & Physical Therapy
Care plan billing and recurring visits. Dual pricing at desk + ACH for larger care packages keeps fees near zero.
🏥
Concierge & Membership Practices
Recurring billing where ACH slashes monthly fees. Dual pricing for any members who prefer card.
💆
Wellness & Specialty Providers
Functional medicine, integrative health, therapy, and wellness clinics needing clean, compliant payment setups.
Cost Review
See what your practice is actually paying to collect patient payments
If your practice is processing through your EHR's built-in payment system, a flat-rate processor, or Square — a cost review can show exactly what those fees are costing and what a dual pricing or ACH structure would look like instead.
The review is straightforward — no surprises:
1No system changes required just to review your current numbers
2No obligation and no pressure to switch
3Clear side-by-side: what you pay now vs. what dual pricing or ACH would cost
4A practical setup recommendation based on your practice type and billing model
5If we can't beat your current rate, we'll pay you $500 — that's our guarantee
Compliance Matters
Healthcare payments aren't the place to cut corners
Dual pricing, PCI compliance, and proper fee disclosure aren't optional. Tampa Bay Pay sets up every configuration correctly — the wrong setup creates patient confusion, compliance exposure, and potential disputes.
We don't wing compliance to close a deal faster. Every setup includes proper disclosures, correct hardware configuration, and a payment structure that holds up.
PCI-compliant hardware & setup
Proper terminals, secure workflows, protected cardholder data
Dual pricing properly disclosed
Florida requires clear patient-facing disclosure at point of sale
No surcharging misconfigurations
Surcharge vs. dual pricing are different — wrong setup creates card brand violations
Clear patient-facing pricing
Cash and card price shown clearly — no confusion, no disputes
Questions about your current setup?
We'll review it — no obligation, no pressure to switch
Frequently Asked Questions
Healthcare payment processing — answered
Can healthcare practices use dual pricing for patient payments?
Yes — and it's one of the strongest fits for healthcare. In Florida, dual pricing is legal when properly disclosed. You post a cash/check/ACH price and a card price (typically 4% higher) at checkout. Patients who pay by card cover the processing fee. Patients who pay another way get the lower price. Tampa Bay Pay configures the hardware, ensures the disclosures are correct, and sets the pricing up properly — the wrong configuration creates compliance exposure and patient confusion.
What's the difference between dual pricing and surcharging?
Surcharging adds a fee on top of the standard price only for card transactions. Dual pricing posts two separate prices — a cash price and a card price — and the customer chooses. The distinction matters because card brand rules and state laws treat them differently. Tampa Bay Pay sets up dual pricing, not surcharging, and ensures it's configured and disclosed correctly under Florida law.
Will patients push back on dual pricing?
Less than most practices expect. Patients already see cash discounts at gas stations and service businesses. When it's disclosed clearly and the price difference is explained at checkout, most patients understand it. Many choose to pay by ACH or check to get the lower price — which is also a win for the practice since ACH costs a fraction of card processing. The key is clear disclosure and a staff that's comfortable explaining it, which we help with during setup.
Can we use ACH for large patient balances and treatment plans?
Yes. ACH is one of the best tools for high-ticket healthcare billing — treatment plans, large procedure balances, and recurring membership charges. A $1,000 payment processed by card at 2.9% costs $29. Paid by ACH, the cost is a small fixed fee plus a low percentage — a fraction of that. For practices with recurring membership billing or large procedure collections, ACH can save thousands per month on its own — even before dual pricing is added.
Do you work with our EHR or practice management system?
Yes. Tampa Bay Pay's payment infrastructure is independent of your EHR. You don't need to change how your practice manages clinical workflows, billing, or scheduling. We set up the payment layer — terminals, payment links, invoicing, and ACH — alongside whatever systems you already use. No platform replacement required.
What does a payment cost review involve?
Send us your current processing statement (or just your monthly volume and current rate). We review what you're actually paying — including all fees, not just the headline rate — and show you a clear side-by-side: your current cost vs. what dual pricing and/or ACH would cost based on your billing model. No system changes required. No obligation to switch. If we can't beat your rate, we pay you $500.
Are there contracts or cancellation fees?
No. Every Tampa Bay Pay arrangement is month-to-month with no cancellation fees and no early termination fees. You stay because the setup works for your practice.
⭐⭐⭐⭐⭐
The highest-rated payment solutions team in Tampa Bay
157+ five-star Google reviews · 172 total across platforms
Request a Payment Cost Review
Stop absorbing fees your patients should be covering
Send us your current statement or tell us your monthly volume. We'll show you exactly what dual pricing, ACH, and a properly structured merchant account would save your practice — no system changes required, no obligation to switch.
$500 rate-beat guarantee · No contracts · No system changes · Local Tampa Bay team · (727) 732-3292
Real Merchants · Real Results
What Our Clients Are Saying
Tampa Bay businesses share their experience working with Tampa Bay Pay — from setup through ongoing support.
Joto's Pizza
Jodi Whitcomb, Owner · jotospizza.com
Family-owned for 52 years. Upgraded to FigurePOS — caller ID integration, customizable menus, and a system staff learn fast without extensive training.
Restaurant
FigurePOS
Seminole, FL
Florida Orange Groves Winery
Lance Shooks, Owner · floridawine.com
When QuickBooks stopped processing credit cards, Tampa Bay Pay provided a seamless integration — keeping their existing QuickBooks setup without an expensive POS replacement.
Winery & Retail
QuickBooks Integration
St. Pete Beach, FL
Plumbing by Paul
Paul & Alycia Alves, Owners · plumbingbypaulllc.com
Tampa Bay Pay goes beyond payment processing — always reachable by phone, text, or email, and a valuable partner for Google SEO, social media, and web support.
Plumbing & Trade
Dual Pricing
Tampa Bay, FL
Plumbing by Paul
Paul Alves · plumbingbypaulllc.com
Previous provider had frequent errors and slow funding. New setup processes payments reliably in the field and at the office — with next-day funding that's critical for a small business.
Plumbing & Trade
Next-Day Funding
Mobile Payments
Wrenchmasters
Kenny Gehringer, Owner · wrenchmastersauto.com
Previous processor only offered a 1-800 number. Switched for local support and streamlined technology — now sends invoices and processes tap-to-pay even when internet is spotty.
Auto Service
Tampa Bay, FL
Google Reviews · Tampa Bay Pay
The Highest Rated Payment Team in Tampa Bay
Don't take our word for it — here's what local business owners say after switching to Tampa Bay Pay.
5.0
★★★★★
Google Rating
Verified Reviews
Verified Reviews