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Cheapest Credit Card Processing 

Cheapest Credit Card Processing

When you’re running a healthcare practice—whether it’s a busy hospital or a small neighborhood clinic—your top priority is patient care. But behind the scenes, managing payments can quietly become one of your biggest challenges. Between rising processing fees, outdated systems, and complex billing needs, it’s easy for costs to pile up and operations to slow down.

That’s where PayNova steps in.

We know that finding the cheapest credit card processing solution isn’t just about saving money—it’s about freeing up your time, improving cash flow, and making the payment experience easier for your patients. Especially in healthcare, every second matters. That’s why our platform is built with healthcare credit card processing in mind—offering seamless integration, recurring billing options, HIPAA compliance, and real-time support.

You don’t need to compromise quality for affordability. With PayNova, you get both. Whether you’re a large medical network or a solo practitioner, our goal is simple: help you process payments faster, safer, and cheaper.

Ready to transform how your healthcare business handles payments?

Sign up with PayNova today and discover why we’re the top choice for the cheapest credit card processing with healthcare-specific features that truly deliver.

Why Credit Card Processing Costs Matter in Healthcare

In an age of high-deductible insurance plans and direct patient payments, healthcare providers are processing more credit card transactions than ever before. Every swipe, tap, or mobile payment carries a processing fee, and those fees add up—especially in high-volume practices.
Here’s the hard truth: If you’re not actively looking for the cheapest credit card processing, you’re leaving money on the table.
Many traditional processors charge hidden fees, long-term contracts, and inflated per-transaction rates. In healthcare, where margins are tight and operational costs are high, these fees can significantly impact your bottom line. With PayNova, you’re not just getting cheapest credit card processing—you’re getting fair pricing, transparent billing, and features built for modern healthcare workflows.

What Sets PayNova Apart?

1. Healthcare-Specific Credit Card Processing
Unlike generic payment processors, PayNova focuses on healthcare credit card processing, meaning our platform is designed to handle medical billing codes, recurring payment plans, patient copays, and insurance reimbursements seamlessly.
2. Transparent, Low-Cost Pricing
PayNova is committed to being the provider of the cheapest credit card processing in the healthcare space. With zero hidden fees, no long-term contracts, and low per-swipe rates, we help practices of all sizes save on every transaction.
3. Compliance-Ready & Secure
Healthcare transactions require HIPAA and PCI-DSS compliance to ensure sensitive data is protected. PayNova is fully compliant and uses top-tier encryption and tokenization for every transaction.
4. Seamless Integration
Our healthcare credit card processing integrates effortlessly with major Electronic Health Record (EHR) systems, Practice Management Software (PMS), and accounting platforms—eliminating double entry and manual reconciliation.
5. Mobile & Remote Payments
Offer your patients the ability to pay from anywhere, whether it’s via a link in an email, a text message, or through a patient portal. Modern healthcare requires flexibility, and our cheapest credit card processing solution supports every method.

The Financial Benefits of Choosing the Cheapest Credit Card Processing

Lower Overhead
Using the cheapest credit card processing provider allows you to cut administrative costs and reduce operational waste. Over time, those savings contribute significantly to your bottom line.
More Predictable Cash Flow
Faster payments and automated reconciliation mean less time waiting on checks and fewer missed transactions. With PayNova’s healthcare credit card processing, your revenue is more stable and predictable.
Higher Patient Satisfaction
Patients expect digital convenience—quick payments, low fees, and clarity. Offering the cheapest credit card processing not only saves you money but gives your patients more flexibility and a better overall experience.

How PayNova Provides the Cheapest Credit Card Processing

Flat-Rate Plans: No surprises, just consistent, low pricing that simplifies forecasting and budgeting. Providers can avoid fluctuating fees tied to card types or transaction channels.
Volume Discounts: As your transaction volume grows, PayNova rewards your loyalty with even lower processing rates. This tiered model ensures high-volume healthcare providers save significantly over time.
No Junk Fees: Say goodbye to monthly minimums, statement fees, batch processing charges, and PCI non-compliance penalties. What you see is what you pay.
Free Setup and Support: Getting started with PayNova doesn’t require setup fees or onboarding costs. Our dedicated healthcare support team ensures smooth integration with your systems, including EHR and PMS platforms.
Customizable Solutions: From countertop terminals to mobile readers and digital payment portals, we configure solutions based on your business model and budget. Whether you’re a solo clinic or a multi-specialty chain, we scale with you.
Transparent Manual Entry Rates: Unlike other providers who spike fees for phone payments, PayNova offers affordable and consistent pricing for manually entered card transactions.
Low International Processing Costs: Dealing with international patients? Our international card rates and currency conversion fees are customizable and competitive, helping you keep costs in check.
ACH & Direct Debit Flexibility: For larger payments or patients who prefer bank transfers, PayNova offers flexible, custom-priced ACH options—ideal for recurring billing and high-ticket services.
Affordable Hardware Options: PayNova offers cost-effective terminal hardware, including the Verifone P400 ($349) and Magtek Swiper ($150), keeping your capital expenditure in control.

Lower Chargeback Fees: At just $10 per occurrence, PayNova keeps your risk management costs lower than the industry average.

Smart Reporting & Analytics: With PayNova’s real-time dashboards, providers can spot trends, improve collections, and eliminate inefficiencies—saving time and resources.

Industry-Grade Security: Full HIPAA and PCI-DSS compliance comes standard, along with encryption and tokenization for safe transactions.

In short, PayNova was designed to be the cheapest credit card processing solution for healthcare without cutting corners. Every feature is built to help providers get paid faster, pay less in fees, and offer better experiences to their patients.

Build a smarter billing system now.
Speak with a PayNova specialist and customize a healthcare credit card processing package that meets your needs—and your budget.

Pricing Comparison Chart: PayNova vs. Competitors

Pricing Item 

Authorize.Net 

PayPal 

Square 

Stripe 

Adyen 

PayNova 

Credit card & debit card 

2.9% + 30¢ 

2.9% + 30¢ 

2.6% + 10¢ 

2.9% + 30¢ 

2.9% + 12¢ 

2.60% + $0.10 

Manually entered cards 

3.5% + 15¢ 

3.49% + 49¢ 

3.5% + 15¢ 

3.4% + 30¢ 

Custom pricing 

2.90% + $0.30 

International cards 

3.5% + 1.5% 

4.4% + fixed fee 

3.5% + 1% 

2.9% + 30¢ 

3.95% + 12¢ 

Custom Pricing 

Currency conversion 

Not specified 

3-4% extra 

Not specified 

1% extra 

1.5% + exchange fee 

Custom Pricing 

In-person payments 

2.7% + 30¢ 

2.7% 

2.6% + 10¢ 

2.7% 

Custom pricing 

2.60% + $0.10 

ACH credit 

$0.75 

Not offered 

Not offered 

0.8% capped at $5 

1.5% or custom pricing 

Custom Pricing 

Direct deposit 

Not offered 

Not offered 

Not offered 

Not offered 

Custom pricing 

Not offered 

Wire payment 

Not offered 

Not offered 

Not offered 

Not offered 

Custom pricing 

Not offered 

Afterpay 

Not offered 

Not offered 

6% + 30¢ 

Not offered 

Custom pricing 

Not offered 

Mobile terminal 

$45 

$59 

$49 

$59 

Custom hardware pricing 

Custom hardware pricing 

Countertop terminal 

$149 

Not offered 

$299 

$299 

Custom hardware pricing 

Verifone $349 / Magtek $150 

Chargeback 

$25 

$20 

$25 

$15 

€5 or custom pricing 

$10 per occurrence 

Tired of comparing fees and fine print? Make the switch to PayNova and enjoy the cheapest credit card processing in healthcare without the guesswork.

Features Tailored for Healthcare Credit Card Processing

  • Patient Installment Plans: Let patients break down large medical bills into manageable monthly payments.
  • Insurance Payment Coordination: Match card payments with insurance reimbursements seamlessly.
  • Recurring Billing: Ideal for memberships, therapy sessions, or ongoing treatments.
  • Real-Time Reporting: Get insights on transactions, revenue, and trends instantly.
  • Mobile & In-Clinic Support: Accept payments anywhere—front desk, bedside, or remote consultations.

How Healing Hands Hospital Saves with PayNova

Let’s imagine a hospital, “Healing Hands Hospital,” that processes 1,000 credit card transactions per month, each valued at $200.
With PayNova:
  • Credit Card Fee: 2.60% + $0.10 per transaction
  • Fee per transaction: 2.60% of $200 + $0.10 = $5.20 + $0.10 = $5.30
  • Total monthly fee: 1,000 transactions × $5.30 = $5,300
  • Total yearly fee: $5,300 × 12 = $63,600
With Competitor:
  • Credit Card Fee: 2.9% + $0.30 per transaction
  • Fee per transaction: 2.9% of $200 + $0.30 = $5.80 + $0.30 = $6.10
  • Total monthly fee: 1,000 transactions × $6.10 = $6,100
  • Total yearly fee: $6,100 × 12 = $73,200
Savings with PayNova:
  • Monthly Savings: $6,100 – $5,300 = $800
  • Yearly Savings: $73,200 – $63,600 = $9,600
By using PayNova’s cheapest credit card processing gateway, Healing Hands Hospital saves $800 per month and $9,600 per year—just in processing fees. These savings can be redirected toward technology upgrades, hiring additional staff, or improving patient care.
See how much your practice could save.
Use our Savings Calculator or book a demo to compare your current processor with PayNova’s transparent pricing.

Who Can Benefit From PayNova’s Healthcare Credit Card Processing?

  • Private Practices
  • Dental Clinics
  • Urgent Care Centers
  • Hospitals and Health Systems
  • Physical Therapy Centers
  • Mental Health Clinics
  • Surgery Centers
Whether you’re a solo practitioner or managing a multi-location facility, PayNova delivers the cheapest credit card processing customized to your business model.

Real-World Results with PayNova

Our clients consistently report:
  • 40% reduction in processing fees after switching
  • 30% increase in patient payments collected online
  • 25% improvement in billing staff productivity
  • Higher patient satisfaction scores linked to easier billing
These results are not just numbers—they’re reflections of a platform purpose-built for healthcare credit card processing.

The Future of Healthcare Payments is Affordable, Automated, and Secure

PayNova believes that great healthcare shouldn’t be held back by clunky, overpriced payment systems. Our goal is to help healthcare providers move into a more efficient, affordable future.
As digital transformation continues, PayNova remains committed to offering the cheapest credit card processing in healthcare—without compromising on compliance, security, or service quality.

FAQs About PayNova and the Cheapest Credit Card Processing

1. How does PayNova offer the cheapest credit card processing?

We negotiate lower transaction fees, eliminate hidden charges, and offer flat-rate plans that scale with your practice.

2. Is PayNova HIPAA and PCI compliant?

Yes, PayNova is fully compliant with HIPAA and PCI-DSS standards, ensuring all patient and payment data is secure.

3. Can I use PayNova with my existing EHR or billing software?

Absolutely. PayNova integrates with most major EHRs and PMS systems for seamless billing and reconciliation.

4. Does PayNova only support healthcare credit card processing?

While we specialize in healthcare, our platform can support other industries. However, we are optimized for healthcare credit card processing.

5. Are there monthly fees or contracts?

No long-term contracts or hidden monthly fees. We believe in simple, honest pricing.

6. Can patients make payments remotely?

Yes, patients can pay online, via mobile, or through text/email links. All processed through the cheapest credit card processing system in healthcare.

7. What kind of customer support does PayNova offer?

24/7 support via phone, email, and live chat—because your payment system should never hold up your care.

Ready to Get Started?

If you’re tired of overpaying for credit card processing and want a healthcare-focused partner that delivers value, security, and simplicity—PayNova is the answer.

Discover why we’re known for the cheapest credit card processing in healthcare. Get in touch with us today to schedule a free demo and rate comparison.
PayNova – Simplifying healthcare credit card processing with technology, transparency, and trust.
Ready to digitally transform your business?
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