Compare PbN
Explore a Comprehensive Feature Comparison of PbN.
Explore a Comprehensive Feature Comparison of PbN.
| Criteria | Zeropay |
|---|---|
| Surcharging Allowed? | Yes (Configurable) |
| Fee Responsibility | Fees can be passed to patients |
| Pricing Structure | Flexible cost management |
| Primary Benefit | Reduced processing overhead |
| Compliance Management | High (requires tracking legal rules) |
| Patient Experience | Fees visible where surcharging is enabled |
| Who is it for? | Cost-conscious practices willing to manage surcharging rules to offset processing fees |
Surcharges are legal in 46 states, with specific prohibitions or restrictions in California, Connecticut, Maine, and Massachusetts.
Credit card companies charge a fee each time a merchant processes a credit card payment. The practice pays this fee. With PbN ZeroPay, we’ll provide you with everything you need to accept credit cards at no cost to the practice. The patient covers the processing fees through a surcharge that is added to their final bill. Debit cards are automatically excluded, so no surcharge is applied to those payments. Businesses need to inform the customer at the point of sale that there is a surcharge fee charged on all credit card transactions, which can be avoided by paying with a debit card.
No. Many businesses have offered surcharges as a way to pass on the cost of accepting a credit card. Your patients always have a choice to pay with a debit card to avoid paying the credit card surcharge.
Consumers are becoming accustomed to surcharges, especially as they see them more frequently. Clear and transparent messaging about surcharges (e.g., “A small fee applies to credit card transactions to help us manage processing costs”) will reduce frustration and make customers more understanding. Offering alternative payment methods without surcharges, such as cash or debit cards, allows customers to choose what works best for them, reducing potential dissatisfaction.
Most dental practices save 2.5-3.5% on all credit card transactions. For a practice processing $50,000 monthly in credit card payments, this could mean savings of $15,000-$21,000 annually that goes directly to your bottom line.
PbN ZeroPay accepts all major credit cards, including Visa, MasterCard, American Express, and Discover.
A surcharge adds a fee to credit card payments, while a cash discount offers a reduction for cash/debit payments. PbN ZeroPay uses compliant surcharging that only applies to credit cards, not debit cards.
Absolutely. Whether patients pay in-person, online through your patient portal, or via mobile payments, the surcharge program applies consistently across all payment methods.
Setup is quick and seamless, typically completed within 1-2 business days. Simply connect your terminal to the internet, and our team will handle the integration with your practice management system.
The system automatically applies surcharges only to eligible credit card transactions in compliance with card network rules. Debit cards, prepaid cards, and certain business cards are automatically excluded.
See how you can handle scheduling, payments, communication, and reporting — all in one place, with one platform.
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