PaySec + WellSky: Zero Processing Fees for Post-Acute and Community Health
How home health, hospice, rehabilitation, and community care organizations using WellSky are eliminating credit card processing fees with PaySec.
Post-acute and community health organizations face a financial reality that most businesses do not: their margins are set largely by forces outside their control. CMS reimbursement rates dictate what home health agencies and hospice organizations receive for most services. Commercial insurance contracts are negotiated within narrow bands. And labor costs, which represent the largest expense for care-delivery organizations, continue to rise year after year. In this environment, every controllable cost matters, and any expense that can be eliminated without affecting care quality is an expense that should be eliminated.
WellSky serves the full post-acute and community health continuum — home health, hospice, rehabilitation, personal care, blood management, and community services. It is the operational and clinical backbone for organizations that deliver care outside of traditional hospital and clinic settings. WellSky manages documentation, scheduling, billing, compliance, and reporting for thousands of organizations across the country.
But WellSky cannot eliminate the 2.5-3% processing fees that these organizations pay every time a patient or client makes a payment by credit card. As patient financial responsibility grows due to high-deductible health plans, and as private-pay and self-pay volumes increase, those processing fees are becoming a larger and more visible expense. PaySec integrates with WellSky to eliminate them entirely through Network Offset Pricing.
What Is the PaySec + WellSky Integration?
PaySec works alongside WellSky as the payment collection solution for patient and client payments. Through Network Offset Pricing (NOP), every payment request displays two prices: a cash/check/ACH price and a card price. The card price includes a small network offset that covers processing costs, and the organization receives the full amount owed regardless of which option the patient or client selects. NOP is legal in all 50 states, compliant with all card network rules, HIPAA compliant with a BAA available, and PCI Level 1 certified.
PaySec supports multiple payment channels — phone, mail, online portal, and in-person — to match the varied ways post-acute organizations collect from patients and clients.
The Real Cost of Processing Fees for Post-Acute Organizations
| Organization Type | Monthly Patient/Client Payments | Annual Processing Cost (2.5%) |
|---|---|---|
| Home health agency | $45,000 | $13,500 |
| Hospice organization | $20,000 | $6,000 |
| Rehabilitation center | $80,000 | $24,000 |
| Personal care agency | $35,000 | $10,500 |
| Multi-service organization | $120,000 | $36,000 |
Post-acute organizations face unique payment challenges that amplify the processing fee burden: a mixed payer environment spanning Medicare, Medicaid, commercial insurance, and patient self-pay; growing patient responsibility as high-deductible plans push costs to individuals; service-intensive billing with multiple visits, episodes, and service lines; and tight margins from CMS reimbursement cuts and rising labor costs.
How Network Offset Pricing Works with WellSky
Patient Payment Collection
PaySec processes all patient-responsibility payments that flow through WellSky's billing system:
- Co-insurance payments after Medicare or insurance processing
- Deductible amounts owed by patients
- Non-covered service charges
- Self-pay account balances
- Private-duty and private-pay service fees
Example: $450 patient balance after insurance
| Payment Method | Amount |
|---|---|
| ACH/Bank Transfer | $450.00 |
| Credit/Debit Card | $468.00 |
Private Duty and Private Pay Services
For organizations offering private-pay services such as private duty home care and companion care, the recurring nature of payments makes processing fees especially costly:
| Service | Weekly Charge | Card Price | Annual Savings per Client |
|---|---|---|---|
| 20 hrs/week home care | $600 | $624 | $1,248 |
| 40 hrs/week home care | $1,200 | $1,248 | $2,496 |
| Live-in care | $2,500 | $2,600 | $5,200 |
A private-pay home care client paying weekly by card costs the agency over $1,200 per year in processing fees. Across 50 private-pay clients, that is over $60,000 per year in fees that could be funding care hours, staff wages, or program expansion.
Multiple Payment Channels
Post-acute organizations collect payments through diverse channels, and PaySec supports all of them with NOP:
- Phone payments — office staff takes payment over the phone with dual pricing disclosed
- Mail and email statements — include PaySec payment link with ACH and card options
- Online portal — patients and clients pay balances 24/7 with NOP pricing displayed
- In-person — for patients visiting clinics, centers, or offices
Integration Features
- WellSky product compatibility — supports Home Health, Hospice, Rehab, and Personal Care platforms
- API-based payment sync — payments flow between PaySec and WellSky billing for clean reconciliation
- HIPAA compliant — BAA available for all protected health information
- PCI Level 1 — highest level of payment security certification
- Multi-channel collection — phone, portal, mail, email, and in-person payments all supported
- Recurring billing — private-pay schedules with automatic NOP pricing on each payment
- Multi-entity support — organizations with multiple service lines or legal entities supported
- No contracts, no minimums — flexible terms for organizations of any size
Who Benefits Most?
The PaySec + WellSky integration serves post-acute and community health organizations where every dollar saved directly impacts the ability to deliver care. This includes home health agencies with growing patient self-pay volumes, hospice organizations where donations and patient payments fund mission-critical services, rehabilitation centers collecting significant patient balances, personal care and private duty agencies with recurring weekly or monthly private-pay clients, and multi-service organizations that aggregate payments across several WellSky platforms.
For private-pay home care agencies in particular, where weekly recurring payments from dozens of clients generate tens of thousands of dollars in annual processing fees, the savings from PaySec can fund additional care hours or higher caregiver wages — directly improving the quality of care delivered.
Getting Started
- Contact PaySec for a post-acute and community health payment assessment. The team will review your payment volume, channels, and current processing costs.
- Review payment collection workflows with your WellSky configuration to identify all touchpoints where NOP should be deployed.
- Deploy PaySec payment channels — portal, phone, in-person, and statement-based payment links — configured for your organization's needs.
- Go live and start collecting every patient and client payment at zero effective processing cost.
PaySec + WellSky: because post-acute care organizations cannot afford to lose margin to payment processing when every dollar funds patient care. Eliminating processing fees is not a financial optimization — it is a care delivery decision.