Skip to main content
All CollectionsPaymentsPbN Payments
PbN Payments Fee Structure and Surcharge Details
PbN Payments Fee Structure and Surcharge Details
Emily McClendon avatar
Written by Emily McClendon
Updated over 2 weeks ago

Transaction Fee Structure

When you process payments, transaction fees vary depending on the type of card and how the payment is made. Here’s a quick breakdown:

Card Not Present / Online Payments

All Debit/Credit cards except AMEX

2.90% + $0.30 per transaction

Card Present / POS Payments

All Debit cards only except AMEX

1.50% + $0.25 per transaction

Card Present / POS Payments

All Credit cards only except AMEX

2.69% + $0.30 per transaction

AMEX for Online and POS Payments

Debit/Credit Cards

3.40% + $0.30 per transaction

To avoid overcharging your patients, you can apply a maximum surcharge of 2.69%. This ensures the lowest percentage rate is used. Any remaining fees above this rate are your responsibility as the practice.

What is a Surcharge?

A surcharge is an extra fee you can add when a patient pays with a credit card. This fee helps cover the costs associated with processing the credit card payment.

How Surcharges Work: Patient vs. Practice Costs

Example:

If a patient makes a $100 payment online using a Visa credit card:

  • Patient's Cost: You can charge a maximum surcharge of 2.69%. If you do, the patient would pay an extra $2.69, making their total payment $102.69.

  • Practice's Cost: The total transaction fee would be 2.90% of $102.69 + $0.30, which equals $3.28. Since the patient only covered $2.69, your practice would need to pay the remaining $0.59.

So, after fees, the net amount your practice would receive is $99.41.

Use this calculator to determine the fees associated with a pending charge.

Debit Cards

Surcharges are not allowed on debit card transactions. The patient will only pay the purchase amount; your practice will cover the full transaction fee.

  • Example: The transaction fee for a $100 debit card payment is 2.90% + $0.30, so your practice would cover $3.20. Thus, you would receive a net amount of $96.80.

If the transaction is made via Card Present/POS, the transaction fee is 1.50% + $0.25; the practice would be responsible for paying $1.50 + $0.25 = $1.75.

  • Example: For a $100 debit card payment that is Card Present/POS the practice covers a $1.75 transaction fee and receives a net amount of $98.25.

Situations Where Surcharging is Not Allowed

There are certain cases where you cannot apply a surcharge:

  • Debit Cards: No surcharges are permitted; the practice absorbs all processing fees.

  • Specific U.S. States: Some states prohibit surcharges on credit card transactions.

  • Canadian Provinces: Quebec bans surcharges entirely. Other provinces allow them but limit the surcharge to 2.4% of the transaction amount.

Processing Times

All transactions, whether processed via e-commerce or point-of-sale (POS), will be settled within one business day (T+1), ensuring swift and efficient handling of payments.

For information on Stripe Fees, click here.

Did this answer your question?