Support the full patient journey
Collect deposits, copays, balances and retail purchases before, during or after the visit through the right payment channel.
Patient Payments & Healthcare Technology
Make paying easier for patients. Make managing payments easier for your team.
Selective Pay helps healthcare providers connect front-desk, online, mobile, card-on-file, recurring and ACH payment workflows around the systems and patient experience already supporting the practice.
- Front-desk, online and mobile acceptance
- Card-on-file, memberships and payment plans
- Gateway and practice-system planning
Use credentials securely
Tokenized card-on-file can support recurring memberships, treatment plans, future appointments and convenient balance collection.
Bring systems and payments together
Coordinate the gateway, website, practice platform, ecommerce store, virtual terminal and reporting workflow.
Why Healthcare Payments Are Different
The patient may pay in five different places, but the practice still needs one dependable process.
Healthcare payments often cross the front desk, website, phone, mobile device, billing team and third-party practice software. A strong payment setup reduces friction without forcing the practice to rebuild every operational system.
Fragmented collection points
Deposits, copays, post-visit balances, retail products and memberships may all enter through different channels and staff workflows.
Stored-payment complexity
Card-on-file, recurring billing and payment plans require clear authorization, secure tokenization and controls for updates, cancellations and retries.
Disconnected technology
The practice system, ecommerce store, gateway and processor may not share the same token, reporting or reconciliation capabilities.
Build the Right Payment Mix
Match each payment channel to the way patients and staff actually work.
Selective Pay evaluates the complete patient-payment path and then recommends the processor, gateway, equipment and workflow that best support it.
Patient-facing payment experiences
Give patients practical ways to pay without creating extra work for the practice.
- Front-desk terminals and contactless payments
- Payment links by email or text
- Online payment pages and patient portals
- Pre-visit deposits and appointment payments
- Mobile acceptance for rooms, events or remote service
- ACH for larger balances or lower-cost recurring payments
Practice and revenue-cycle workflows
Support the internal controls needed to authorize, settle, report and reconcile payments.
- Virtual terminal and staff permission controls
- Tokenized card-on-file and account updater options
- Recurring memberships and installment schedules
- Refund, void and adjustment processes
- Location, provider or department reporting
- Gateway, ecommerce and practice-system connectivity
Healthcare Models We Support
Different care models require different payment structures.
We tailor the payment environment to the ticket size, appointment model, recurrence, retail mix, patient interaction and technology already in place.
Clinics & specialty practices
Copays, deposits, patient balances, phone payments, payment links and reporting across providers or locations.
Dental & orthodontic practices
Large treatment plans, deposits, recurring installments, card-on-file and family-account payment workflows.
Med spas & cosmetic services
Appointments, memberships, packages, retail products, gift cards, ecommerce and recurring social-club models.
Membership & wellness programs
Recurring billing, failed-payment recovery, account updates, plan changes and online enrollment.
Behavioral and therapy practices
Remote payments, stored credentials, scheduled sessions, recurring balances and patient-friendly payment links.
Groups and multi-location providers
Centralized reporting, location controls, shared or separate merchant accounts and consistent equipment deployment.
A Practical Healthcare Review
Improve payments without disrupting patient care.
We start with the existing workflow, identify the gaps and then determine what should stay, what should connect and what should change.
Map every payment path
Document where patients pay today, who accepts the payment, which systems are used and how transactions reach accounting.
Review processing and technology
Evaluate statements, pricing, gateway capabilities, tokens, terminals, website checkout, recurring billing and integration requirements.
Design the operating model
Define the right merchant-account structure, channels, permissions, payment methods, reporting and migration sequence.
Deploy, train and monitor
Coordinate equipment, gateway setup, testing, staff training, recurring migration and ongoing support after launch.
What We Review
The payment review includes more than the processing rate.
Patient payment channels
Front desk, phone, portal, payment links, online checkout, mobile, recurring billing, ACH and card-on-file use.
Practice technology
Practice management, EMR or EHR environment, ecommerce platform, gateway, virtual terminal and available integration methods.
Transaction mix and pricing
Card-present versus card-not-present volume, average ticket, card types, refunds, recurring volume and effective processing cost.
Credential and data controls
Tokenization, staff access, stored-payment practices, device security, hosted payment options and separation of payment data from clinical information.
Membership and payment plans
Enrollment, authorization, schedules, plan changes, failed payments, retries, cancellation and customer communication.
Settlement and reconciliation
Location reporting, deposits, funding, refunds, adjustments, accounting handoff and transaction-level visibility.
Compliance note: Payment security and healthcare privacy responsibilities depend on the systems, data and contractual relationships involved. Selective Pay helps structure the payment environment but does not provide legal, medical or healthcare-compliance advice.
Frequently Asked Questions
Common questions from healthcare and medical practices.
Can we keep our current practice management or EMR system?
Often, yes. We first determine whether the existing system supports an outside gateway, processor, terminal, hosted payment page or export workflow. Some platforms restrict payment choices, so compatibility must be confirmed before recommending a change.
Can patients pay by text or email link?
Yes, when the selected gateway supports secure hosted payment links. The patient enters payment information on the provider's hosted payment page rather than sending card information by text or email.
Can we store a card for future appointments or balances?
Tokenized card-on-file can support future payments when the gateway, authorization process and practice procedures are configured appropriately. Staff should not store raw card numbers in notes, spreadsheets or clinical systems.
Can you support recurring memberships for a med spa or wellness practice?
Yes. We can evaluate recurring billing, stored credentials, enrollment, failed-payment handling, account updates, cancellations and the connection between membership billing and the practice or ecommerce platform.
Can ACH be offered for larger balances or payment plans?
Yes. ACH may be useful for larger balances, recurring plans or business payments when the authorization, verification, return handling and reconciliation workflow are properly established.
What should we provide for the initial review?
Start with three recent processing statements, the website, current processor and gateway, practice software, payment channels, average ticket, recurring-payment details, number of locations and the biggest payment problem your staff or patients experience.
Make the Payment Experience Work Better
Connect patient convenience with stronger payment operations.
Selective Pay will review your statements, patient-payment channels, recurring workflows, gateway, practice technology and reporting before recommending the next step.