HSA and FSA cards get declined

Review the card acceptance setup

Industry guide · Rates & Fees

Reduce card processing costs for healthcare and wellness businesses

A quoted rate tells you almost nothing. Your statement tells you what you actually paid, and which part of it anybody could have changed.

Analyze my statement See the money flow

25+ YEARS

of payment processing
experience

25+ YEARS

of payment processing
experience

Rates & Fees · Healthcare & Wellness

See the costs behind the quoted rate.

Your effective processing cost is more than a quoted percentage.

01Upload a recent statement
02Separate pass-through and provider charges
03Compare the effective cost structure

What we review

Practical details. Real context.

Compare effective rates by card and channel.
Identify recurring fees and avoidable downgrades.
Review payment mix, average ticket and volume.
Quantify opportunities only after reviewing actual data.

We review statements, transaction mix, card categories, chargebacks, ancillary fees and possible pricing downgrades. The right benchmark depends on the underlying acquiring program.

Healthcare & Wellness workflow

Know the transaction before the rate.

01Store the card at booking
02Collect at the visit
03Bill the balance or plan
04Reconcile to the account

Documentation checklist

Build a complete submission.

Practice license and provider information
Service list and pricing
Refund and membership terms
Bank and processing statements

AltirasPay prepares and supports the file. The acquiring bank decides approval, pricing and terms.

Meet Pyper

Need help with the details?

Pyper can explain the steps, prepare questions for an expert and help you understand what comes next.

Ask Pyper

PATIENT PAYMENTS

Where the money actually moves

Cost follows structure. In healthcare & wellness the shape of the flow decides most of what you pay, before anyone negotiates a rate.

VISIT

Copay · Deposit · Card on File

PLAN

Memberships · Payment Plans

BALANCE

Statements · Text-to-Pay

A statement settles it

We read the statement and separate what the card networks set — which nobody discounts — from what your processor charges, which is the part anyone can actually move. Then we tell you which it is, including when the answer is that your current deal is already keen.

Analyze my statement