Medical and dental practices have the highest median overcharge of any vertical. $3,200 a year.
Card-not-present surcharges. Statement fees. Recurring billing markups. The fees are buried in language that sounds like compliance. Most of it is not. We pull every line and tell you which charges have a service component and which are pure margin.
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What we find auditing medical & dental.
- $3,200
Median annual overcharge, highest of any vertical we audit
- 10 to 30%
Typical overpayment range, healthcare practices
- 0.4 to 1.0 ppt
CNP surcharge spread on recurring patient billing, typical
- 4 minutes
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How it shows up in medical and dental
Four overcharge patterns we find on nearly every healthcare-practice statement. Practices run high CNP and recurring volume; both are systematically marked up by processors who know the patient relationship makes switching feel disruptive. The audit makes the math explicit.
- 01
Why are card-not-present transactions charged extra?
CNP transactions, online, phone, or keyed-in, carry higher interchange than card-present, but processors often add their own markup of 0.4 to 1.0 percentage points on top. Practices with high CNP volume (recurring patient billing, online co-pay) pay this markup on every transaction. Often invisible without a line-by-line audit.
- 02
What is the statement fee on my merchant statement?
A monthly fee charged for the privilege of receiving a statement. Often $10 to $25 per month. Categorized vaguely on the line item ('Statement Fee', 'Service Fee', 'Account Maintenance'). Many practices pay this for years without noticing. The fee has no service component and is almost always negotiable or removable.
- 03
Are recurring billing transactions charged differently?
Recurring transactions (patient payment plans, monthly retainer billing) often carry surcharges of $0.05 to $0.25 per transaction on top of normal processing. A practice running 200 recurring charges a month pays $10 to $50 per month for what is, on the network side, the same Visa transaction as any other. We flag the surcharge and benchmark.
- 04
Are HSA and FSA cards processed correctly?
HSA and FSA cards run on the same Visa or Mastercard rails as standard cards, but require correct merchant category coding to be eligible. Mis-coded transactions can decline at the rail or rate at higher CNP markups. The audit checks your MCC against your patient mix and flags mismatches that cost you on every HSA or FSA transaction.
Audit findings across medical and dental practices.
Three illustrative composite audits drawn from the structural patterns we surface in this vertical. Specific savings figures reflect the median range of recoverable processing overcharges.
- Indianapolis INFamily dental practice$48,000/month
CNP markup of 0.9% on recurring patient billing: $315/mo
$4,260Saved annually - Albany NYSolo medical practice$32,000/month
PCI non-compliance fee with valid SAQ on file: $19/mo for 14 months
$2,890Saved annually - Denver CO4-provider chiropractic group$38,000/month
Mis-coded HSA/FSA transactions routed at non-qualified tier: $142/mo
$3,540Saved annually
Illustrative composite. Drawn from structural patterns Payzium audits surface. Not a real customer case.
Built to help you read your own statement.
Find your number.
Upload your most recent processing statement. We read every line, benchmark you against medical and dental practices we have audited, and send a written report by email. If we cannot lower your costs, we pay you $500.
Three steps. Roughly four minutes total.
- Step 1
Upload your statement
PDF, PNG, or JPG. Most merchants take less than 2 minutes.
- Step 2
Tell us about your business
60 seconds. Business name, role, monthly volume range, contact info.
- Step 3
Get your written report
24-48 hours. Delivered by email. Yours regardless of whether you switch.
Free. No phone calls. No fine print.