Payment Processing That Understands High-Ticket Dental Procedures
Crowns, implants, and orthodontic plans aren't $12 coffee transactions. Your processor should understand high-ticket healthcare billing — not penalize you for it.
Flat-Rate Pricing Crushes Your Margins on Big Procedures
A $4,000 implant at 2.6% costs you $104 in processing fees. On interchange-plus, that same transaction could cost $60 or less. Multiply that across every crown, veneer, and ortho plan — you're leaving thousands on the table.
Most processors treat your practice like a coffee shop. Same flat rate, no understanding of healthcare billing complexity, and zero support for payment plans that patients actually need.
Processing Built for Modern Dental Practices
From single-location offices to multi-practice DSOs.
Free Statement Audit
We analyze your current processing and show you exactly how much you're overpaying on high-ticket procedures.
Interchange-Plus Pricing
See the real cost of every transaction. No bundled rates hiding markups on your biggest procedures.
Patient Payment Plans
Set up recurring billing for treatment plans. Auto-charge cards on file and reduce missed payments.
Contactless Checkout
Tap-to-pay terminals for quick copay collection. Reduce wait times at the front desk.
No Contracts
Month-to-month. If we're not saving you money, you're free to leave anytime.
Dedicated Support
A real person who understands dental billing answers when you call. No phone trees.
From General Dentistry to Specialty Clinics
General Dentistry
Cleanings, fillings & exams
Cosmetic Dentistry
Veneers, whitening & bonding
Pediatric Dentistry
Children's dental care
Orthodontics
Braces & aligners
Oral Surgery
Implants & extractions
Periodontics
Gum disease treatment
If you're a dental practice accepting cards, we can save you money.
Why Dental Practices Overpay More Than Almost Any Other Industry
Dental practices have a unique payment processing problem that most processors either don't understand or actively exploit. The average dental transaction is significantly higher than most retail businesses — a single crown runs $1,200 to $1,500, implants can hit $4,000 to $6,000, and orthodontic treatment plans stretch into the $5,000 to $8,000 range.
When you're on a flat-rate pricing model like 2.6% + $0.10 per transaction, the math becomes brutal quickly. A $5,000 implant procedure costs you $130.10 in processing fees at that rate. On interchange-plus pricing, the same transaction might cost $65 to $80 — because the actual interchange rate for a card-present transaction on a standard consumer credit card is typically 1.51% + $0.10 for Visa, and similar for Mastercard.
The difference? Your processor's markup. On flat-rate, that markup is hidden inside the bundled rate. On interchange-plus, it's transparent — usually 0.15% to 0.30% above interchange. For a dental practice processing $80,000 to $150,000 per month in credit card transactions, the savings from switching to interchange-plus can easily exceed $500 to $1,200 per month.
The Hidden Cost of Card-Not-Present Transactions
Many dental practices take payments over the phone for balances, payment plans, or deposits. These card-not-present (CNP) transactions carry higher interchange rates — typically 0.30% to 0.50% more than card-present transactions. If your processor isn't helping you minimize CNP transactions by offering card-on-file with proper tokenization, you're paying premium rates unnecessarily.
Card-on-file solutions let you securely store a patient's card information and charge it as a card-present or recurring transaction, which qualifies for lower interchange categories. This single change can save dental practices hundreds per month on payment plan collections alone.
Payment Plans: The Revenue Multiplier Most Practices Underutilize
Studies consistently show that patients are more likely to accept treatment when payment plans are available. A practice offering structured payment plans can see case acceptance rates increase by 20% to 35%. But here's where processing matters: if every monthly payment plan installment costs you 2.6% in processing fees, you're eroding the value of offering plans in the first place.
With interchange-plus pricing and recurring billing optimization, each payment plan installment costs significantly less to process. Combined with account updater (which automatically updates expired card numbers), your payment plan collections run smoothly with minimal failed payments and maximum revenue retention.
What Dental Practices Actually Pay: Flat-Rate vs. Interchange-Plus
| Procedure | Avg. Charge | Flat-Rate (2.6%) | Interchange-Plus | You Save |
|---|---|---|---|---|
| Routine Cleaning | $200 | $5.30 | $3.52 | $1.78 |
| Crown | $1,300 | $33.90 | $21.73 | $12.17 |
| Root Canal | $1,000 | $26.10 | $16.70 | $9.40 |
| Dental Implant | $4,500 | $117.10 | $74.25 | $42.85 |
| Invisalign Plan | $5,500 | $143.10 | $90.75 | $52.35 |
| Full Mouth Rehab | $15,000 | $390.10 | $247.50 | $142.60 |
*Interchange-plus estimates based on Visa/MC standard consumer credit card-present rates + 0.20% processor markup. Actual savings vary by card type and processing method.
Dental Payment Processing FAQ
How much can a dental practice realistically save by switching processors?
Most dental practices we work with save between $400 and $1,200 per month, depending on their monthly volume and current pricing model. Practices processing over $100,000/month in card transactions often see savings exceeding $1,000/month. We provide a free statement analysis that shows your exact savings potential before you commit to anything.
Will switching processors disrupt my practice operations?
No. The transition typically takes 3-5 business days and involves zero downtime. We set up your new terminals and payment plans in parallel with your existing processor, then do a clean cutover. Your patients won't notice any change except potentially faster checkout.
Can I keep my existing practice management software?
Yes. We integrate with all major dental practice management systems including Dentrix, Eaglesoft, Open Dental, and Curve Dental. Our terminals and virtual terminal work alongside your existing software without requiring changes to your workflow.
How do patient payment plans work with your processing?
We set up recurring billing with secure card-on-file tokenization. When a patient agrees to a payment plan, their card is securely stored and automatically charged on the scheduled dates. Account updater technology ensures that expired or replaced cards are automatically updated, reducing failed payments by up to 40%.
Is interchange-plus pricing really better for dental practices?
For dental practices specifically, interchange-plus is almost always better because your average transaction size is much higher than typical retail. Flat-rate pricing overcharges on large transactions because the per-transaction markup is percentage-based. On a $5,000 implant, the difference between 2.6% flat and interchange-plus (around 1.65% effective) is over $47 — on a single transaction.
Do you support contactless and tap-to-pay for copay collection?
Yes. All our terminals support tap-to-pay (NFC), chip cards, swipe, and mobile wallets (Apple Pay, Google Pay). For quick copay collection at the front desk, contactless payments speed up checkout significantly — most tap transactions complete in under 2 seconds.
Trusted by Businesses Nationwide
"We were losing over $600/month on implant and crown transactions alone. Switching to interchange-plus was a no-brainer."
"The payment plan feature reduced our accounts receivable by 40%. Patients love the convenience."
"Finally a processor that understands dental. Our statements actually make sense now."
Your Procedures Are High-Value. Your Processing Fees Shouldn't Be.
Send us a recent statement. We'll show you exactly how much you're overpaying on every crown, implant, and treatment plan.
Get My Free Dental Savings Review →Most merchants hear back within one business day.
What Merchants Are Saying on Google
Real reviews from real business owners, pulled live from our Google Business Profile. Nothing edited, nothing filtered.