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Healthcare providers that are serious about capturing payments at the time of service are increasingly accepting credit and debit cards in order to provide patients the option of paying deductibles and co-pays with a card.
With their permission, patients' credit or debit cards can also be billed for deductibles, coinsurance and other balances after the time of service. Some practices are even taking card payments on their websites, facilitating the sale of ancillary services or the reduction of outstanding balances. In the process, they are enjoying many benefits, including:
Improved cash flow - When you receive payment for services at the time they're rendered, there's more cash available to sustain and grow your practice.
Reduced billing costs - When charges are paid up front, your staff isn't tied up creating, mailing and following up on invoices.
At one time, all that was really important was for your front desk to get a copy of the patient's insurance card. Now, they usually need to investigate further.
PNC Merchant Services can help your business start accepting card payments. Whether your business has basic card processing needs or you require a more customized solution, we have options.
Now, they usually need to investigate further: Is this a Health Savings Account? Has the patient met the deductible? Do co-pays apply? What payments need to be collected?
PNC Merchant Services® understands that generic financial services are not always the right prescription for the unique needs of healthcare practices. Solutions offered by PNC Merchant Services that can help you accept credit and debit cards for patient co-pays and deductibles include:
Add a keypad to the terminal and you can easily process PIN debit cards as well. Take advantage of additional functionality and convert your patients' paper checks into an electronic payment.
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Your patient is happy, and the practice benefits from improved cash flow through faster funding.
Clover Check Acceptance provides peace of mind against fraudulent and returned checks by combining a check acceptance risk management system with a warranty service option for returned check liability. Accepting and processing check payments becomes as quick and easy as accepting credit cards. Clover Check Acceptance can also help improve operational efficiency by reducing trips to the bank and streamlining back-office operations.
They are especially effective for elective medical procedures (like cosmetic surgery, chiropractic treatments and some dental procedures) that aren't covered by most insurance carriers.
Next-business-day funding - Get next-business-day funding on payment transactions while giving your patients the payment flexibility they want.
Industry-specific solutions - Utilizing industry-specific research and data, we create solutions customized to the specific needs of medical, dental and veterinary practices. For example, A-Claim®, our end-to-end revenue cycle management solution, allows you to not only process card payments, but also verify benefits eligibility and even offer patient payment plans.
Personalized attention - PNC Healthcare Business Bankers and Merchant Services Account Executives understand the unique demands of healthcare practices, and are armed with solutions to help you run your practice more efficiently.
Product Solutions - PNC Merchant Services offers a wide variety of payment acceptance, processing and reporting solutions for healthcare.
If you're ready to get serious about card payment acceptance, it's time to talk with PNC Merchant Services. We offer a wide range of solutions designed to help you better manage the financial health of your practice. This way, you can focus on what really matters: the health of your patients.
Except as is otherwise set forth in your agreement for merchant services, your funds for MasterCard, Visa, Discover, PayPal and American Express transactions will ordinarily be processed and transferred to select PNC business checking accounts within one business day from the time PNC Merchant Services receives your batch (which is an electronic file containing your card transactions). If a batch is received after our cut-off time of 10:00 PM ET, or on a day that is not a business day, we will generally consider the batch as being received on the next business day. Business day means Monday through Friday, excluding Federal holidays.
The Clover® name and logo are owned by Clover Network, Inc., a wholly owned subsidiary of First Data Corporation, and are registered or used in the U.S. and many foreign countries.
All other trademarks, service marks and trade names referenced in this material are the property of their respective owners.
Merchant Services are provided by PNC Merchant Services Company and are subject to credit approval. PNC Merchant Services is a registered trademark of The PNC Financial Services Group, Inc.
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