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Get Started FreeHigh-Risk Industries · Healthcare
Accepting patient payments means handling two kinds of regulated data at once: cardholder data governed by PCI DSS and protected health information (PHI) governed by HIPAA. Most payment processors only address the first.
PayKings delivers HIPAA compliant payment processing built for healthcare providers — with a signed Business Associate Agreement (BAA), end-to-end encryption of payment and patient data, and merchant approvals in around 24 hours through a network of more than 20 partner financial institutions.
Whether you run a small practice or a multi-location healthcare organization, we configure secure, compliant payment solutions — merchant account, gateway, and patient payment portals — for HIPAA compliance from day one.
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What underwriters ask for
Declined elsewhere?
It's one of the most common questions healthcare providers ask. General-purpose processors are built for mainstream retail, and they typically do not position their standard payment products as HIPAA compliant or sign BAAs covering everyday payment accounts. Using them for patient billing can leave PHI-linked payment data outside HIPAA's required safeguards — and the liability sits with your practice, not the processor.
If your payments connect to patient records, choose a processor that operates as a business associate. PayKings signs a BAA, configures your gateway, receipts, and reporting to keep PHI out of unprotected channels, and supports the healthcare-specific workflows mainstream processors don't.
Stripe
Not HIPAA-positioned
Square
Not HIPAA-positioned
PayKings
Signs a BAA
Your terms, before you sign
BAA
A signed Business Associate Agreement with every healthcare merchant account.
24 hrs
Merchant approvals in around 24 hours through more than 20 partner financial institutions.
Next-day
Funding, with chargeback prevention, fraud protection, and 24/7 customer support.
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Getting set up
Begin with a HIPAA compliance evaluation of your payment needs.
We set up HIPAA compliant payment processing systems tailored to your practice.
Your staff gets comprehensive training on handling patient payments securely from day one.
Begin accepting patient payments with a BAA in place and encryption on every transaction.
PCI vs. HIPAA
Every credit card processor must meet PCI DSS — but PCI covers card numbers, not patient privacy. The moment a transaction record, invoice, or receipt ties a payment to a patient's identity and their care (a procedure, a prescription, an appointment), that information can constitute PHI and fall under HIPAA.
A processor that is PCI compliant but won't sign a BAA leaves your practice carrying the compliance risk alone.
PayKings' HIPAA compliant credit card processing pairs PCI DSS security with HIPAA safeguards:
Gateway
The gateway is where compliance is won or lost — it's the layer that touches card data and patient context on every transaction. PayKings' HIPAA compliant payment gateway includes:
Merchant services
Compliance shouldn't come at the cost of getting paid. PayKings' HIPAA compliant merchant services combine the safeguards above with the fundamentals of a well-run high-risk merchant account:
Because we specialize in high-risk processing industries, we underwrite healthcare business models that mainstream processors decline or shut down without warning.
Payment methods
Patients expect options — and every payment method we support runs through the same compliant infrastructure:
A note on paper: receiving checks isn't automatically a HIPAA violation, but checks and remittance stubs often carry PHI — names, account numbers, memo lines referencing treatment. They must be stored, processed, and disposed of under the same safeguards, which is one more reason practices move patients to encrypted digital payments.
Encryption is the core technical safeguard behind compliant patient payments — and the backbone of secure healthcare payment processing solutions:
Who we serve
Any organization that takes payments connected to protected health information benefits from a processor built for HIPAA compliance. PayKings tailors the solution to the size and structure of your practice.
Pharmacies — see our pharmacy merchant account solutions.
What's included
The difference
Built for the businesses other processors turn away.
FAQ
Answers to the questions healthcare providers ask most about HIPAA compliant payment processing
See how PayKings supports adjacent verticals and the payment solutions that pair with them.
