Typical Range
Medical & Dental Practices typically pay 2.1%–2.8% effective rate
Physicians (8011), dentists (8021), hospitals (8062) — healthcare MCCs often qualify for lower interchange tiers than retail
Medical & Dental Practices processing profile
| Typical effective rate | 2.1% – 2.8% on interchange-plus pricing |
|---|---|
| Relevant MCC codes | 8011–8021, 8062 |
| Card mix | Predominantly credit (70–80%) — patients commonly use credit for larger balances and HSA/FSA cards, which process as credit |
| Typical ticket size | $80–$400+ depending on specialty — high ticket size makes basis-point differences in rate meaningful in dollar terms |
Where medical & dental practices margin leaks out
- ·HSA/FSA card transactions sometimes get miscoded, landing in a higher-cost interchange category than they qualify for
- ·Patient payment plan / recurring billing setups often carry a separate, higher-margin fee structure than in-office card-present transactions
- ·Practice management software integrations (payment processing bundled into your EHR/PM system) frequently mark up processing well above market and make switching feel harder than it is
- ·HIPAA and PCI compliance requirements sometimes get bundled into inflated 'compliance fees' beyond what's actually required
Junk fees to check for on your statement
- ·PCI non-compliance fee
- ·Integrated payments markup layered on top of processor cost inside your PM software
- ·Monthly minimum fee
- ·Statement fee
- ·Early termination fee if bundled with equipment
Common questions
What do medical & dental practices typically pay for credit card processing?
On interchange-plus pricing, medical & dental practices typically run a 2.1%–2.8% effective rate, depending on card mix and ticket size. Predominantly credit (70–80%) — patients commonly use credit for larger balances and HSA/FSA cards, which process as credit
What junk fees should medical & dental practices watch for on their statement?
Common ones in this vertical include PCI non-compliance fee, Integrated payments markup layered on top of processor cost inside your PM software, Monthly minimum fee, Statement fee, and Early termination fee if bundled with equipment. None of these are required by card networks — they're processor-added.
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More fee guides
Rate ranges reflect typical interchange-plus pricing based on industry-standard interchange categories for this business type. Your actual rate depends on your specific card mix, ticket size, and processor. This is not a quote or guarantee — use the calculator above for a figure specific to your business.