Adjust the patient, not your billing. Care plans that bill themselves.
Payment processing for chiropractic offices and wellness clinics — HSA and FSA cards that approve, care plans and memberships on autopay, cards on file and text-to-pay for whatever's left after insurance.
Accept every way your patients pay
Where practices lose money
A chiropractic front desk has payment problems a generic processor never solved
Your revenue comes in small, frequent visits, a lot of it rides on prepaid plans and memberships, and a share of every week's patients pay with a health savings card. That mix is expensive — and time-consuming — on the wrong account.
HSA cards get declined
When an account isn't coded as a healthcare provider, health savings and flexible spending cards can bounce at checkout. Patients blame the office, not the processor.
Care plans take staff time
Running a 12-visit plan or monthly membership by hand means a front desk chasing cards every week instead of greeting patients.
Balances after insurance linger
When the EOB comes back, the patient's share sits on the books until someone mails a statement and waits. Small balances add up fast.
Small tickets carry big fees
Flat-rate and tiered pricing hit $40–$80 visits hard. On interchange-plus, you pay the true card cost plus one small markup you can see.
What we set up
A payment setup built around how a practice actually runs
Front desk, treatment room, online booking and the billing office — the same account covers all of it, and every transaction lands on one statement you can read.
HSA & FSA acceptance
Set up under the right healthcare merchant category so health savings and flexible spending cards approve like any other debit card.
Care plans & memberships
Bill prepaid treatment plans in installments and wellness memberships monthly, with automatic retries when a card fails.
Card on file
Securely store a patient's card with their consent and charge copays, no-show fees or plan payments without asking for it again.
Text-to-pay balances
When insurance pays its share, text the patient a secure link for the rest. Most balances clear the same day instead of next month.
Front desk & mobile terminals
Countertop units for check-out and wireless terminals for treatment rooms, events, screenings and off-site care.
Works with your practice software
Connect to your existing practice management or scheduling system through a PCI-compliant gateway instead of double-keying every visit.
Online booking deposits
Take payment or a deposit when new patients book online, so first-visit no-shows stop costing you a slot.
Retail products at checkout
Sell pillows, supports, topical products and supplements at the same terminal, on the same statement.
Why practices switch
A payments partner, not a help-desk ticket
Approvals in hours
A short application with minimal paperwork. Most accounts are reviewed and approved the same day, so you are not down a payment method for a week.
Transparent pricing
Interchange-plus with a clear, fixed markup. No padded monthly fees, no surprise reprogramming charges, and a statement that shows where the money went.
A dedicated rep
A named account manager who understands how a practice bills — someone to call when a terminal goes down on a full Monday, not a queue.
Common questions
What chiropractors ask us first
Will my patients' HSA and FSA cards work?
Yes. We set your account up under the correct healthcare merchant category so HSA and FSA cards are recognized as an eligible provider and approve at the front desk the same way any debit card would. If patients are seeing declines on those cards today, that setup is usually the reason.
Can I bill care plans and wellness memberships automatically?
Yes. Patients authorize a card once and we bill the plan on the schedule you choose — weekly, monthly, or in a set number of installments for a prepaid care plan. Failed payments are retried and flagged so your front desk only steps in when it has to.
Will this work with my practice management software?
In most cases, yes. We connect through a PCI-compliant gateway that common practice management and scheduling platforms already support. Tell us what you run and we will confirm the integration path before you sign anything.
What does it cost to switch?
Send us a recent processing statement and we will break down what you pay today, line by line, and what the same volume would cost with us. If we cannot beat it, we will tell you that. There is no charge for the review.
Other industries
We set up payments for these too
Talk to sales
See what your practice could save
Tell us a little about the practice and a payments specialist will follow up with a free, no-obligation statement review.
Prefer email? Reach us at sales@thewholesalemerchant.com.