PaySec + AdvancedMD: Eliminate Processing Fees on Patient Payments
How medical practices using AdvancedMD are integrating PaySec's Network Offset Pricing to stop losing revenue to credit card processing fees on copays, patient balances, and self-pay collections.
AdvancedMD gives medical practices a comprehensive platform for EHR, practice management, billing, and patient engagement. But when it comes to collecting patient payments — copays at check-in, outstanding balances, and self-pay charges — credit card processing fees quietly erode your collections.
For a practice collecting $30,000-$100,000+ per month in patient payments, processing fees represent $10,000-$30,000+ annually. PaySec's integration with AdvancedMD eliminates that cost.
Patient Payment Processing Fees in Medical Practices
| Practice Size | Monthly Patient Payments | Processing Rate | Annual Cost |
|---|---|---|---|
| Solo provider | $15,000 | 2.7% | $4,860 |
| Small group (3-5 providers) | $45,000 | 2.5% | $13,500 |
| Mid-size group (6-15) | $120,000 | 2.4% | $34,560 |
| Large group (15+) | $300,000 | 2.3% | $82,800 |
With rising high-deductible health plans (HDHPs), patient responsibility portions are increasing every year — making processing fees a growing expense.
How PaySec Integrates with AdvancedMD
Front Desk Collections (Copays)
- Patient checks in and owes a copay
- Front desk terminal displays dual pricing: cash/check price and card price
- Patient chooses payment method
- Payment posts to AdvancedMD patient account automatically
- Example: $40 copay → $40 cash or $41.60 card
Patient Portal Payments
- Patient receives statement or notification of balance due
- AdvancedMD patient portal includes PaySec payment option
- Portal displays: "Pay $250 by bank transfer or $260 by card"
- Patient pays online at their convenience
- Payment applies to account in AdvancedMD immediately
Self-Pay and Elective Services
For practices offering self-pay or elective procedures:
| Service | Cash/Check Price | Card Price |
|---|---|---|
| Annual wellness (self-pay) | $250 | $260 |
| Cosmetic consultation | $150 | $156 |
| Weight loss program (monthly) | $199 | $207 |
Payment Plans
For patients on payment plans through AdvancedMD:
- Each installment processed with NOP
- Patient informed of card pricing at plan setup
- Automatic monthly billing with consistent pricing
- ACH option available for lower installment amount
Healthcare-Specific Considerations
HIPAA Compliance
PaySec's integration maintains HIPAA compliance:
- No PHI transmitted in payment processing
- Payment data segregated from clinical records
- BAA (Business Associate Agreement) available
- Encrypted data transmission meets healthcare security standards
High-Deductible Plan Impact
With average deductibles exceeding $1,500 for individual plans and $3,000 for family plans:
| Deductible Collection | Patients/Month | Avg Amount | Monthly Fees Saved |
|---|---|---|---|
| Deductible payments | 50 | $200 | $270 |
| Coinsurance | 100 | $75 | $203 |
| Copays | 400 | $35 | $378 |
| Monthly total | — | — | $851 |
| Annual savings | — | — | $10,212 |
Patient Communication
Practices worried about patient reaction to dual pricing find:
- Patients in healthcare are accustomed to different rates (insurance vs. self-pay, in-network vs. out-of-network)
- Signage at check-in clearly explains both options
- Most patients don't comment — they're focused on their health visit
- Some patients switch to HSA debit cards (which process at lower interchange)
Practice Management Benefits
Revenue Cycle Impact
- Collected revenue stays at 100% — no processing fee deduction
- AR follow-up on patient balances becomes more profitable per dollar collected
- Self-pay collections fully retained
- Payment plan revenue fully captured
Staff Workflow
- No change to check-in/checkout workflow
- Terminal handles dual pricing display automatically
- Reconciliation simplified (deposits = collections, no fee subtraction)
- Front desk training takes 15 minutes
Technical Details
| Feature | Specification |
|---|---|
| AdvancedMD Integration | Payment gateway API |
| Terminal | PaySec NOP-enabled terminal |
| Patient Portal | Embedded payment page |
| PCI Compliance | Level 1 (SAQ-A for portal, SAQ-B for terminal) |
| HIPAA | Compliant (BAA available) |
| Payment Types | Credit, debit, HSA/FSA, ACH |
| Recurring Billing | Supported for payment plans |
| Reporting | AdvancedMD + PaySec dashboard |
Getting Started
- Contact PaySec for a healthcare merchant account
- Review integration points with your AdvancedMD configuration
- Install PaySec terminal(s) at front desk/checkout
- Configure patient portal payment page
- Train staff (15-minute overview)
- Go live — start keeping 100% of patient payments
PaySec + AdvancedMD: the practice management platform your staff loves, now with payment processing that doesn't take a cut of every patient payment.