PaySec + Chirocat: Affordable Chiropractic Software with Zero Processing Fees
How chiropractic practices using Chirocat are pairing affordable PM software with zero-cost payment processing from PaySec.
Chiropractic practices built on affordability and efficiency should not be losing thousands of dollars per year to credit card processing fees. Yet that is exactly what happens under traditional payment processing. Every time a patient taps their card to pay a copay, a visit fee, or a care package balance, the processor takes 2.5-3% off the top before the money reaches your bank account. For a practice collecting $30,000 per month in patient payments, that adds up to $9,000 or more per year — money that could fund new equipment, marketing, or additional staff hours.
Chirocat provides chiropractic practice management software focused on simplicity and affordability — scheduling, documentation, billing, and patient management without enterprise complexity or pricing. It is the practice management system for chiropractors who want reliable tools without overhead. PaySec extends that same affordability philosophy to payment processing, eliminating the processing fee entirely through Network Offset Pricing.
What Is the PaySec + Chirocat Integration?
PaySec connects with Chirocat's billing workflow to process patient payments at zero cost to the practice. When a patient checks out, the front desk initiates payment through the PaySec terminal, which receives the amount from Chirocat and displays dual pricing: the base price for cash, check, or debit, and a slightly adjusted price for credit card payment. The patient chooses their preferred method, the payment processes, and it syncs back to the patient's account in Chirocat.
This is Network Offset Pricing (NOP) — a transparent, card-network-compliant approach to payment processing that is legal in all 50 states. The practice receives the full payment amount no matter which method the patient selects. Both prices are displayed clearly before the patient decides, so there are never surprise charges or hidden fees.
The Real Cost of Processing Fees for Chiropractic Practices
Chiropractic practices have high visit frequency. Patients in corrective care may come in two to three times per week. Wellness patients visit weekly or biweekly. Each visit generates a transaction, and each transaction costs you money.
| Monthly Collections | Current Annual Fees (2.5%) | With PaySec | Annual Savings |
|---|---|---|---|
| $20,000 | $6,000 | $0 | $6,000 |
| $40,000 | $12,000 | $0 | $12,000 |
| $60,000 | $18,000 | $0 | $18,000 |
Even a modest solo chiropractic practice is giving away $6,000 per year in processing fees. That is a significant expense for a small business operating on tight margins.
How Network Offset Pricing Works at Checkout
A patient comes in for their weekly adjustment. The copay is $45. At checkout, the PaySec terminal displays:
- $45.00 — cash, check, or debit
- $46.80 — credit card
The patient sees both options and picks one. Many patients switch to debit or bring cash once they see the small difference. Others are happy to pay the card price for the convenience. Either way, the practice receives the full $45.
Over 48 visits per year at $45 per visit, a single patient generates $86.40 in processing fees under traditional processing. Multiply that by your active patient base, and the total is substantial.
Care Packages and Prepaid Plans
Many Chirocat practices sell prepaid visit packages to encourage treatment plan compliance:
| Package | Cash/Check Price | Card Price |
|---|---|---|
| 10-visit package | $400.00 | $416.00 |
| 20-visit package | $720.00 | $748.80 |
| Monthly wellness plan | $150.00/mo | $156.00/mo |
Large upfront payments on care packages generate the biggest per-transaction savings. A $720 package payment would cost $18 in processing under traditional rates — with PaySec, it costs nothing.
Integration Features
Payment Sync to Chirocat: Every transaction processed through the PaySec terminal posts directly to the patient's account in Chirocat, keeping billing records accurate without manual entry.
Online Payment Portal: Patients who receive statements or have outstanding balances can pay online through a PaySec-hosted payment page with the same dual pricing. Reduces AR without costing you processing fees.
PCI Level 1 Compliance: PaySec handles all card data through PCI Level 1 certified systems. Your practice never stores or transmits sensitive card information.
No Contracts, No Minimums: No long-term agreements and no minimum processing volume requirements. PaySec is built for practices of all sizes.
Simple Hardware: One countertop NOP terminal at your front desk is all you need. It accepts contactless, chip, and swipe payments.
Who Is This For?
The PaySec + Chirocat integration is ideal for solo chiropractors and small chiropractic practices that chose Chirocat specifically because it is simple, affordable, and effective. If you picked Chirocat to keep your software costs low, it makes sense to apply the same thinking to payment processing. PaySec eliminates your processing fees the same way Chirocat eliminates unnecessary software complexity — by focusing on what matters and cutting out the waste.
Getting Started
- Apply for a PaySec chiropractic merchant account — approval typically takes 3-5 business days
- Receive your NOP terminal — a countertop device shipped directly to your practice
- Connect the terminal to your Chirocat workflow — PaySec's team handles the integration setup
- Brief your front desk staff — a 10-minute walkthrough covers everything
- Start saving on every patient payment — your first transaction at zero cost
Most practices are fully live within two weeks. There is no disruption to your schedule, your patient flow, or your existing Chirocat processes.
PaySec + Chirocat: affordable practice management paired with zero-fee payment processing. Maximum practice profitability without the complexity.