Practice by Numbers (PbN) offers two distinct payment processing products, PbN Payments, and PbN ZeroPay, designed to suit your practice's diverse needs. This guide provides an overview of these products, including fee structures, surcharge rules, and compliance, to help you choose the best option for your practice.
Overview of PbN Payments Products
PbN Payments – Affordable Simplicity
PbN Payments is our standard payment processing option, offering relatively lower transaction fees. Under this model, practices absorb all card processing fees, creating a seamless payment experience for patients.
Surcharging: Not available. Practices cover all transaction fees.
Best For: Practices seeking a straightforward and low-cost payment processing solution without passing fees to patients.
PbN ZeroPay – Flexible Cost Management
PbN ZeroPay allows practices to pass card processing fees to customers in compliance with state and provincial regulations. Practices can configure surcharge rates up to the maximum allowable limit or pass the entire processing fee to customers (where permitted).
Surcharging: Available, subject to state and card network rules.
Best For: Practices that want to offset processing fees by passing eligible costs to patients while staying compliant.to patients.
Fee Structure Examples
PbN Payments Pricing (No Surcharging)
The following table illustrates transaction outcomes when your practice absorbs all processing fees:
Transaction Type | Processing Fee | Outcome |
Card Present VISA Debit Card | 2.69% + $0.30 | Patient pays $100, Practice receives $97.01 |
Card Present VISA Credit Card | 2.69% + $0.30 | Patient pays $100, Practice receives $97.01 |
Card Not Present VISA Debit Card | 2.90% + $0.30 | Patient pays $100, Practice receives $96.80 |
Card Not Present VISA Credit Card | 2.90% + $0.30 | Patient pays $100, Practice receives $96.80 |
Card Not Present AMEX Credit Card | 3.40% + $0.30 | Patient pays $100, Practice receives $96.30 |
PbN ZeroPay Pricing (Without Surcharging)
PbN ZeroPay offers competitive rates for practices that prefer not to surcharge. Here are some examples:
Transaction Type | Processing Fee | Outcome |
Card Present VISA Debit Card | 1.5% + $0.25 | Patient pays $100, Practice receives $98.25 |
Card Present VISA Credit Card | 3% | Patient pays $100, Practice receives $97.00 |
Card Not Present VISA Debit Card | 3% | Patient pays $100, Practice receives $97.00 |
Card Not Present VISA Credit Card | 3% | Patient pays $100, Practice receives $97.00 |
Card Not Present AMEX Credit Card | 3% | Patient pays $100, Practice receives $97.00 |
PbN ZeroPay Pricing (With Surcharging)
When surcharging is applied, practices can offset processing fees by passing eligible costs to customers. Examples:
Scenario | Processing Fee | Surcharge Applied | Outcome |
Online VISA Credit Card | 3% | 3% | Patient pays $103, Practice receives $100 |
Card Present VISA Credit Card | 3% | 3% | Patient pays $103, Practice receives $100 |
Card Not Present AMEX Credit Card | 3% | 3% | Patient pays $103, Practice receives $100 |
Card Not Present AMEX Credit Card (Illinois, 1% cap) | 3% | 1% | Patient pays $101, Practice receives $98 |
Surcharge Rules and Compliance (PbN ZeroPay Only)
Previous state-based surcharge restrictions have been removed. Practices now have complete control over applying surcharges at their discretion. However, it remains the practice’s responsibility to comply with all applicable state and federal regulations.
United States Compliance:
Surcharges Prohibited In:
Connecticut
Massachusetts
Maine
Puerto Rico
Oklahoma
State-Specific Maximums:
Illinois: 1%
Colorado: 2%
Montana: 3%
Canada Compliance:
Quebec: Surcharges prohibited.
Other Provinces: Surcharges permitted up to 2.4%.
Debit Card Exemption:
Surcharges cannot be applied to debit card transactions in both the United States and Canada.
This update applies to PbN ZeroPay; existing surcharge settings will not be automatically changed. A practice must manually update its surcharge rate in the Surcharge Configuration Settings.
Practice Responsibility & Legal Disclaimer
Practices are fully accountable for the correct implementation of surcharges and legal compliance, including adherence to state, federal, and card network regulations (Visa, Mastercard, etc.).
Any fines, penalties, chargebacks, or legal actions resulting from non-compliance are the sole responsibility of the practice. PbN Payments accepts no liability for any surcharge-related violations.
By using PbN ZeroPay, you agree to indemnify PbN and hold them harmless from any claims, lawsuits, damages, or costs arising from your surcharge practices.
📌 Action Required: Ensure compliance with all applicable laws and regulations before applying surcharges. If unsure, seek legal counsel.
Why Choose PbN Payments Products?
Flexible Options:
Absorb fees with PbN Payments.
Offset costs using PbN ZeroPay.
State & Provincial Compliance:
Stay compliant with local and card network rules, ensuring your practice avoids penalties while offering payment flexibility to patients.
Understanding the pricing models and compliance requirements can help you select the payment processing solution that best suits your practice’s needs.