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
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.
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.