PaySec + NaVetor: Cloud Vet PM with Zero Processing Fees
How veterinary practices on NaVetor's cloud platform are eliminating processing fees with PaySec.
Veterinary practices face a payment reality that most pet owners never think about: when a client pays a $400 emergency visit bill with a credit card, the practice loses $10-$12 of that to processing fees. Across hundreds of patients each month, those fees add up to thousands of dollars annually — money that could be invested in equipment, staff, or patient care.
NaVetor is the cloud-based veterinary practice management system built for modern vet clinics. It offers scheduling, medical records, invoicing, inventory management, and client communication tools accessible from any device. Practices choose NaVetor for its modern interface, affordability, and cloud-native flexibility. But like most practice management platforms, NaVetor does not solve the processing fee problem. Practices still pay 2.5-3% on every client payment that comes in by card.
PaySec brings Network Offset Pricing to NaVetor practices, eliminating the processing fee on every client transaction. For a veterinary practice collecting $50,000-$100,000 per month in client payments, the annual savings can reach $15,000-$30,000, which is enough to fund a new digital X-ray unit or hire a part-time veterinary technician.
What Is the PaySec + NaVetor Integration?
PaySec works alongside NaVetor as the payment processing solution for your veterinary practice. Through Network Offset Pricing (NOP), every client payment displays two prices: a cash/check/ACH price and a card price. The card price includes a small network offset that covers processing costs, so the practice receives the full invoice amount no matter how the client chooses to pay. NOP is legal in all 50 states and fully compliant with all card network rules.
The integration connects PaySec's payment terminal and online payment tools to NaVetor's invoicing and patient account system, creating a seamless checkout experience for your front desk team and your clients.
The Real Cost of Processing Fees for Veterinary Practices
| Practice Profile | Monthly Collections | Annual Fees (2.5%) |
|---|---|---|
| Small single-vet clinic | $35,000 | $10,500 |
| 2-3 vet general practice | $65,000 | $19,500 |
| Multi-vet hospital | $100,000 | $30,000 |
| Emergency/specialty | $150,000 | $45,000 |
Veterinary care costs have risen significantly in recent years, meaning average transaction values are higher than ever. Wellness exams, dental cleanings, surgeries, and emergency visits routinely generate invoices of $200-$2,000 or more. At a 2.5% processing rate, a single $1,500 surgery costs the practice $37.50 in fees. Multiply that across every transaction in a busy clinic, and the annual loss is substantial.
How Network Offset Pricing Works with NaVetor
When a client checks out after a visit, here is what the experience looks like:
Example: $350 wellness visit (exam, vaccines, heartworm test)
| Payment Method | Amount |
|---|---|
| Cash/Check | $350.00 |
| Credit/Debit Card | $364.00 |
The client chooses their preferred payment method. Either way, the practice receives the full $350 for the visit. The front desk staff does not need to calculate anything — the PaySec terminal handles the dual pricing display automatically based on the invoice total sent from NaVetor.
Example: $1,200 dental cleaning with extractions
| Payment Method | Amount |
|---|---|
| Cash/Check/ACH | $1,200.00 |
| Credit/Debit Card | $1,248.00 |
For higher-value procedures, many clients actually prefer paying by check or ACH when they see the savings, which benefits both the practice and the client.
Integration Features
- Checkout terminal with NOP — PCI Level 1 compliant contactless terminal at the front desk displays dual pricing automatically
- Invoice sync — invoice totals from NaVetor are sent directly to the PaySec terminal for accurate dual pricing
- Payment posting — payments post back to the patient account in NaVetor for clean reconciliation
- Online payment portal — clients can pay outstanding balances online with dual pricing displayed
- Text-to-pay — send payment links via SMS for balances, deposits, or pre-visit payments
- HIPAA compliant — PaySec is HIPAA compliant with a BAA available for veterinary practices handling sensitive records
- No contracts, no minimums — flexible terms with no long-term commitment required
Who Benefits Most?
The PaySec + NaVetor integration is ideal for cloud-forward veterinary practices that have already embraced modern practice management and want their payment processing to match. This includes single-vet clinics looking to maximize every dollar, growing multi-vet practices where processing fees scale with revenue, and practices with a high percentage of card-paying clients (which describes most veterinary practices today since pet owners overwhelmingly pay by card).
Practices that process a high volume of wellness plans, dental procedures, and surgical cases will see the largest absolute savings because of the higher per-transaction values involved.
Getting Started
- Sign up for a PaySec veterinary merchant account. Approval takes 3-5 business days with no minimum processing volume required.
- Deploy the NOP terminal at your checkout counter. The terminal connects to your NaVetor workflow so invoice totals display automatically with dual pricing.
- Configure online payment channels including the patient payment portal and text-to-pay links for outstanding balances.
- Go live and start collecting every client payment at zero effective processing cost.
PaySec + NaVetor gives your cloud veterinary practice the payment processing solution it deserves: modern, transparent, and built to keep the full value of every client payment in your practice rather than sending it to a processor.