EMV chip, contactless, Apple Pay / Google Pay, and HSA/FSA acceptance — countertop and handheld terminals with HIPAA-segregated data, no PMS exposure, and PCI scope at SAQ-B-IP.
Which terminals fit a healthcare front desk?
Two categories. Countertop EMV terminals (Verifone P400, Ingenico Lane series) for front desk check-in/check-out. Handheld terminals (BBPOS WisePOS E, PAX A920) for chair-side dental, vet, or behavioral health where collection happens in the operatory or therapy room.
Are healthcare terminals HIPAA-compliant?
The terminal itself processes payment data, not PHI — there is no HIPAA exposure on the device. The integration to your PMS uses the patient ID and encounter ID only; we sign a BAA covering the gateway and vault layer.
How fast does the terminal authorize HSA / FSA cards?
Same speed as any card — under 2 seconds for authorization. IIAS BIN tagging happens in the gateway, so HSA/FSA cards route at lower medical-MCC interchange automatically.
What about tipping for cash-pay services?
Med-spa, aesthetics, and chiropractic often run tip-enabled flows. Our terminals support tip prompts with practice-configurable presets and no-tip skip — meeting cash-pay patient expectations without slowing the front desk.
Frequently asked questions
How fast can you get approved?
Most healthcare practices are approved within 24 hours of complete application submission. Specialty MIDs (dental DSO, behavioral health groups, DME) may take 48–72 hours while underwriting reviews trailing statements and licensure.
What does it cost?
Interchange-plus pricing — typically 2.4% + $0.10 per card transaction with no setup fee and no monthly minimum. ACH is 0.5–1.0%. You see interchange cost, assessments, and our markup on a single itemized statement.
Is the platform HIPAA-compliant?
Yes. We sign a BAA, tokenize all card and bank data before it touches your systems, and segregate PHI from payment metadata. EHR / PMS integrations move only the minimum necessary data for posting.