Get approved in as little as 24 hours. No setup fees, no hidden costs.
Get Started FreeHigh-Risk Industries · Healthcare
Medical payment solutions cover everything a practice needs to take and manage patient payments: card processing at the point of care, online payments through your portal or website, virtual terminals for payments by phone, and the reporting that ties it together. We build ours for healthcare specifically, with HIPAA and PCI DSS compliance in place from day one, pricing that starts at interchange plus 0.80%, and approval for most merchants within 24 hours. Banks and mainstream processors often classify healthcare as high-risk. That is the category we work in, and the only one — underwriting a medical practice is routine for us, not an exception.
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What healthcare underwriters ask for
By the numbers
10,000+
Merchants approved across high-risk industries.
86%
Approval rate for the high-risk merchants who apply.
24hr
Average approval time once underwriting has your documents.
$2B+
Processed annually through PayKings merchant accounts.
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Compliance & security
Healthcare payments touch payment card data and protected health information at the same time, so processing has to satisfy the Health Insurance Portability and Accountability Act (HIPAA) and the Payment Card Industry Data Security Standard (PCI DSS) together — something generic processors are not built for.
Our systems use encryption, tokenization, and secure information storage to keep protected health information (PHI) and card data safe at every stage of the transaction, with audit-readiness tools so your practice can show its work when a regulator or payer asks. For the full detail on how we handle patient card data, see our HIPAA-compliant credit card processing solutions.
Security controls protect your practice and your patients while keeping operations ready for every regulatory requirement.
Pricing
Pricing starts at interchange plus 0.80%, and every fee is disclosed in the merchant service agreement before you sign.
No hidden fees, and no rate that moves once underwriting sees your file without an explanation of why. Transparent pricing means predictable fees, which matters when you are planning cash flow around insurance reimbursement cycles.
Underwriting
Underwriting moves at the speed of your file. Most merchants are approved within 24 hours when the application is complete, and if something is missing, we tell you what it is during the application rather than leaving your file in a queue.
Healthcare underwriters typically ask for:
Who we serve
We work with medical offices, physicians and physician groups, dental practices, clinics, and multi-location healthcare organizations. A solo practitioner taking payments at the front desk has different needs from a group collecting deductibles and balances across several sites, so each account is set up around how the practice actually collects — not around a template.
Patients pay the way they prefer — in person at the point of care, online through your patient portal or website, or on a mobile device — which reduces billing delays and keeps your cash flow consistent.
Integrations
Our solutions connect to practice management software, electronic health record (EHR) systems, patient portals, and accounting platforms, so payments flow through one cohesive system instead of a bolted-on terminal. Custom API integrations are available for practices planning to scale.
Payment systems built so your organization can focus on care, not collections.
Getting set up
A streamlined application process built for healthcare organizations.
Our team confirms your setup meets HIPAA and PCI DSS requirements.
Accept payments and get back to patient care.
What's included
The difference
Built for the businesses other processors turn away.
FAQ
Answers for practices comparing medical payment solutions
See how PayKings supports adjacent verticals and the payment solutions that pair with them.
