PaySec + EyeFinity: Zero Processing Fees for Optometry Practices
How optometry practices and optical retailers using EyeFinity are eliminating credit card processing fees with PaySec's Network Offset Pricing.
Optometry is unlike most healthcare specialties in one important way: it is part medical practice and part retail operation. An optometry office generates revenue from clinical eye exams, medical eye care services, specialty treatments like dry eye and myopia management, and a full retail optical dispensary selling frames, lenses, contact lenses, and accessories. That dual nature means a lot of credit card transactions across a wide range of price points.
EyeFinity, the practice management and EHR platform from VSP, is purpose-built for this unique business model. It helps optometrists manage scheduling, clinical records, insurance claims, and optical retail inventory in one system. What EyeFinity cannot do, however, is reduce the processing fees you pay every time a patient swipes, taps, or inserts their credit card.
Those fees are substantial. A practice collecting $68,000 per month across clinical and retail services is paying over $20,000 per year in processing fees alone. PaySec eliminates that cost entirely through Network Offset Pricing, integrating directly with your EyeFinity-powered workflow.
What Is the PaySec + EyeFinity Integration?
PaySec adds Network Offset Pricing (NOP) to your EyeFinity payment flow. NOP is a dual pricing model, legal in all 50 states and fully compliant with Visa, Mastercard, and all other major card network rules. At the point of payment, the PaySec terminal displays two prices: the base cash price and the card price, which includes a small offset covering the cost of processing. The patient chooses how to pay, and the practice receives the full invoice amount regardless of payment method.
The integration works across both sides of the optometry business. Whether a patient is paying a $35 exam copay at the front desk or purchasing a $700 pair of progressive lenses in the dispensary, the same NOP process applies and the same fee elimination occurs.
The Real Cost of Processing Fees for Optometry Practices
Because of the clinical-plus-retail revenue model, optometry practices process a diverse mix of transaction sizes. Here is a typical breakdown:
| Revenue Source | Monthly Volume | Processing Rate | Annual Cost |
|---|---|---|---|
| Eye exams (copays) | $8,000 | 2.5% | $2,400 |
| Frames and lenses (retail) | $35,000 | 2.5% | $10,500 |
| Contact lens sales | $15,000 | 2.5% | $4,500 |
| Specialty services (dry eye, myopia) | $10,000 | 2.5% | $3,000 |
| Total | $68,000 | -- | $20,400 |
The optical retail side drives the majority of processing costs because frame-and-lens purchases are high-value transactions that patients almost always pay by card. A single complete pair can easily reach $500 to $800, generating $12 to $20 in processing fees per sale. Multiply that across hundreds of complete pairs per year and the number becomes staggering.
How Network Offset Pricing Works with EyeFinity
Here is a real-world example. A patient purchases a designer frame and progressive lenses:
| Item | Cash/Check Price | Card Price |
|---|---|---|
| Designer frame | $350.00 | $364.00 |
| Progressive lenses | $450.00 | $468.00 |
| Total | $800.00 | $832.00 |
The processing fee saved on this single complete pair: $20. Across 100 complete pair sales per month, that is $24,000 per year in savings from optical retail alone, before you even count clinical copays, contact lens sales, and specialty service payments.
Additional common transactions:
| Transaction | Cash/Check Price | Card Price |
|---|---|---|
| Annual contact lens supply | $400.00 | $416.00 |
| Dry eye treatment package | $600.00 | $624.00 |
| Exam copay | $35.00 | $36.40 |
| Sunglasses (Rx) | $550.00 | $572.00 |
Integration Features
- Dual deployment points: Terminals at the exam checkout desk and the optical dispensary counter, covering both sides of the practice
- Full EyeFinity payment flow: Transactions initiated from EyeFinity post back to the patient record automatically
- All revenue streams covered: Exams, medical eye care, frames, lenses, contacts, accessories, solutions, and specialty treatments all at zero processing cost
- Package deal support: Exam-plus-lenses-plus-frame bundles process as a single NOP transaction
- PCI Level 1 compliant: The highest standard of payment card data security
- HIPAA compliant: BAA available for practices handling protected health information
- No contracts, no minimums: Flexibility to start without long-term commitment
Who Benefits Most?
The PaySec + EyeFinity integration delivers the most value to optometry practices with strong optical retail volume. If your dispensary is a significant profit center, you are likely paying tens of thousands in annual processing fees that PaySec can eliminate. Ideal practices include:
- Solo ODs with busy dispensaries generating $45,000 or more per month in combined revenue
- Two-OD practices where combined clinical and retail volume pushes monthly collections past $80,000
- Practices with premium optical inventory selling high-end frames and specialty lenses where per-transaction savings are meaningful
- Multi-location groups that can deploy PaySec across all offices and dispensary locations
- Contact lens-heavy practices processing significant volume in annual supply purchases
Getting Started
- Contact PaySec for an optometry merchant account. Approval typically takes 3 to 5 business days with no contracts and no minimums.
- Deploy terminals at both checkout points. PaySec ships pre-configured NOP terminals for your exam checkout desk and optical dispensary counter.
- Connect to the EyeFinity payment flow. Transactions integrate with your existing workflow so payments post to patient records automatically.
- Train your team. A 15-minute overview prepares both clinical and optical staff to explain dual pricing to patients confidently.
From your first transaction, every exam copay, every complete pair, and every contact lens purchase is processed at zero cost to your practice.
PaySec + EyeFinity: optometry practice management and optical retail with zero processing fees on every exam, frame, and lens sold.