Physical therapy involves frequent visits — 2–3 times per week for many patients. Each visit generates a card payment (copay $25–$75, cash-pay session $100–$200). For a PT clinic seeing 40–80 patients/day, processing fees compound rapidly.
A clinic processing $30,000–$80,000/month in patient card payments pays **$9,000 to $33,600/year** in processing.
The PT Recurring Visit Multiplier
A single patient attending PT 3x/week for 8 weeks = 24 visits. At $50/copay: $1,200 in card payments per patient. Processing at 3%: $36/patient. Across 200 active patients/year: $7,200 just on copays for one patient cohort.
Network Offset Pricing for Physical Therapy
| Payment | Cash/Check | Card |
|---|---|---|
| Copay ($40) | $40.00 | $41.60 |
| Cash-Pay Session | $125.00 | $130.00 |
| Wellness Package (10 sessions) | $1,000.00 | $1,040.00 |
| Dry Needling Add-On | $50.00 | $52.00 |
| Evaluation (cash-pay) | $175.00 | $182.00 |
Why it works: Frequent-visit patients adapt immediately. Small copay differences are negligible. Cash-pay and wellness patients appreciate the lower-cost option. Front desk handles it with a one-sentence script.
| Monthly Card Revenue | Annual Processing (2.8%) | With NOP |
|---|---|---|
| $30,000 | $10,080 | ~$0 |
| $50,000 | $16,800 | ~$0 |
| $80,000 | $26,880 | ~$0 |
Priya M. focuses on payment processing for healthcare and wellness providers. With a background in healthcare administration and practice management, she understands the unique billing challenges that medical, dental, and veterinary offices face.
$7,200
just on copays for one patient cohort.
Get Started
The first step to reducing your processing costs is understanding exactly what you are paying today. Request a free statement analysis and we will show you a side-by-side comparison of your current costs versus what you could save with Network Offset Pricing.