PbN ZeroPay enables dental practices to manage card processing fees by passing them 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.
Who Should Use PbN ZeroPay?
Practices that want to reduce operational costs by passing processing fees to patients.
Practices looking to remain compliant with state and provincial surcharge regulations.
How It Works
PbN ZeroPay offers two pricing models:
Without Surcharging: The practice absorbs the processing fee.
With Surcharging: The practice passes the processing fee to patients where allowed.
Pricing Breakdown
PbN ZeroPay Pricing (Without Surcharging)
If a practice chooses not to surcharge, standard processing fees apply:
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 enabled, practices can offset fees by passing them to patients:
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
Practices using PbN ZeroPay must follow local and card network rules for surcharges.
United States Compliance
States Where Surcharging is Prohibited:
Connecticut
Massachusetts
Maine
Puerto Rico
Oklahoma
California
State-Specific Maximum Surcharges:
Illinois: 1%
Colorado: 2%
Montana: 3%
Canada Compliance
Quebec: Surcharges prohibited.
Other Provinces: Surcharges allowed up to 2.4%.
Debit Card Transactions
Surcharges cannot be applied to debit card payments in both the United States and Canada.