PaySec + Experity: Eliminate Processing Fees in Urgent Care and On-Demand Healthcare
How urgent care centers and on-demand clinics using Experity are integrating PaySec to stop paying processing fees on every patient visit.
Experity is the operating system for urgent care — purpose-built EMR, practice management, billing, and patient engagement for the unique workflow of on-demand healthcare. With the urgent care industry growing at over 7% annually and patient volumes surging year after year, more visits mean more payment transactions flowing through your system. Urgent care centers see high patient volumes with high card payment adoption, making processing fees a significant and ever-growing operational cost.
PaySec's Experity integration eliminates those fees through Network Offset Pricing.
How Network Offset Pricing Works with Experity
Network Offset Pricing (NOP) displays two transparent prices to patients at the point of payment. Whether a patient is paying a copay at registration, settling a self-pay visit at checkout, or paying a balance through a text-to-pay link after insurance processes, they see both a cash/ACH price and a card price.
For example, on a $200 moderate-complexity visit:
- Cash/check/ACH: $200.00
- Credit/debit card: $208.00
The patient chooses their preferred payment method. Either way, your clinic receives the full $200. NOP is legal in all 50 states, fully compliant with Visa and Mastercard network rules, and PaySec requires no contracts or minimum volumes. HIPAA compliance is built in, with a Business Associate Agreement (BAA) provided for every healthcare merchant.
Why Urgent Care Pays More in Processing Fees
Urgent care has specific characteristics that amplify processing costs:
- High volume — 30-80+ patients per day per location
- Nearly 100% card payment — walk-in patients rarely carry cash
- Collections at time of service — copays and self-pay collected same day
- Higher copays — specialist-level copays ($40-$75) on most insurance plans
- Self-pay population — 15-25% of patients pay full visit cost out-of-pocket
| Metric | Single Location | 3 Locations | 10 Locations |
|---|---|---|---|
| Daily patients | 50 | 150 | 500 |
| Monthly patient payments | $60,000 | $180,000 | $600,000 |
| Annual processing cost (2.6%) | $18,720 | $56,160 | $187,200 |
A 10-location urgent care group is paying nearly $200,000/year in processing fees.
How PaySec Works with Experity
Patient Check-In / Registration
- Patient registers (walk-in or pre-registered)
- Insurance verified, copay amount determined
- PaySec terminal at registration displays dual pricing
- $50 copay → $50 cash or $52 card
- Payment collected before or after visit per clinic preference
Self-Pay Pricing
For uninsured/self-pay patients, urgent care already displays transparent pricing. PaySec adds payment method options:
| Service Level | Cash/Check | Card |
|---|---|---|
| Basic visit (Level 2) | $150 | $156 |
| Moderate visit (Level 3) | $200 | $208 |
| Complex visit (Level 4) | $275 | $286 |
| X-ray (single view) | $75 | $78 |
| Rapid strep/flu test | $35 | $36.40 |
Occupational Medicine
Many Experity-powered urgent care centers offer occ med services:
- Workers' comp payments (employer-billed) processed at zero cost
- Drug screens, physicals, DOT exams
- Employer account billing with NOP on card payments
- Volume accounts benefit significantly from fee elimination
After-Visit Balance Collection
For balances determined after insurance processing:
- Patient receives text or email with payment link
- Online payment page shows ACH and card options
- Patient pays at their convenience
- Balance cleared in Experity billing module
Multi-Site Operations
Urgent care operators with multiple locations benefit most:
| Locations | Monthly Patient Payments | Annual Savings |
|---|---|---|
| 1 | $60,000 | $18,720 |
| 3 | $180,000 | $56,160 |
| 5 | $300,000 | $93,600 |
| 10 | $600,000 | $187,200 |
| 25+ | $1,500,000+ | $468,000+ |
Patient Throughput Impact
Urgent care lives on throughput. PaySec maintains efficient patient flow:
- Terminal processes payments in seconds
- No additional steps vs. standard card payment
- Contactless tap-to-pay supported
- Digital receipts (no printer delays)
- Check-in kiosk integration available
Technical Specifications
| Feature | Details |
|---|---|
| Experity Platform | EMR + PM integrated |
| Terminal | High-speed NOP-enabled contactless |
| Check-In Kiosk | Integration available |
| Multi-Location | Centralized management, per-site config |
| HIPAA | Compliant (BAA) |
| PCI | Level 1 |
| Volume | Built for high-transaction environments |
| Occ Med | Employer billing supported |
| Reporting | Per-location + aggregate |
Who Benefits Most?
While any Experity-powered clinic will benefit from PaySec, certain operational profiles see the most dramatic savings:
- Multi-location urgent care groups where aggregate processing fees across 5, 10, or 25+ locations become a six-figure annual expense
- High-volume walk-in clinics seeing 60+ patients per day with near-universal card payment adoption
- Clinics with significant self-pay populations where full visit costs (not just copays) are collected at the time of service
- Occupational medicine centers processing high-volume employer-billed transactions for drug screens, physicals, and work injury treatment
- 24-hour urgent care facilities where extended operating hours and after-hours volumes multiply payment transaction counts
If your Experity clinic or clinic group processes more than $50,000/month in patient payments, the savings with PaySec will cover the equivalent of one or more staff positions annually.
Getting Started
- Contact PaySec for urgent care merchant account
- Site assessment (terminal placement, workflow review)
- Deploy terminals at registration/checkout stations
- Configure patient portal payment links
- Brief registration staff (15 minutes)
- Go live — savings begin on day one
PaySec offers multi-location deployment packages for urgent care groups. There are no contracts, no volume minimums, and approval typically takes 3-5 business days. PCI Level 1 compliance and HIPAA compliance (with BAA) are included with every account.
PaySec + Experity: the urgent care operating system paired with payment processing built for high-volume, high-card-adoption environments. Zero fees, full speed.