Merchant services simplified: A better way to approach patient surcharging with QSave

As payment processing costs continue to rise, many practices are turning to surcharging patients as a way to offset expenses. While this approach can be effective, not all surcharging models are created equal.

QSave is an add-on available with any QuantaPay plan, designed to help practices reduce or even eliminate credit card processing fees while maintaining a smooth and transparent patient experience.

QuantaPay is patient payment software that automates your collections process, making it easy for patients to pay. Since credit card fees are part of the payment process, QuantaPay allows you to pass merchant fees to your patients. 

However, surcharging can sometimes feel like a burden from the patient’s perspective, especially if they’ve already invested significantly in treatment. QSave helps you better balance credit card fees while maintaining a positive patient experience. 

Key takeaways on simplifying merchant services with QSave

• QSave helps practices reduce or eliminate credit card processing fees through a balanced, patient-friendly surcharging model.

• Unlike traditional merchant services, QSave lowers debit costs while keeping surcharge rates reasonable and transparent.

• As an add-on to any QuantaPay plan, QSave offers a flexible, simple way to optimize payment processing without disrupting operations.

How QSave works

QSave works as an add-on, meaning it can be applied  to whichever QuantaPay plan best fits your practice. It introduces a balanced surcharging structure that applies automatically within your existing QuantaPay setup:

• Credit Cards: A 2.89% surcharge is applied to the patient’s total

• Debit Cards: A reduced 2.19% rate is paid by the practice

It’s important to note that while credit card fees can be passed on to patients through surcharging, debit card fees must be paid by the practice and cannot be passed on. This means practices can offset the majority of their processing costs while still benefiting from lower required debit card rates, something many traditional models overlook. As part of the QSave add-on, your practice also receives a starter kit that includes point-of-sale signage for checkout and sample patient communications to help you clearly and confidently introduce surcharging.

Why this model is different from others

Because debit card fees cannot be passed on to patients, many traditional models overlook this cost entirely.

Many merchant services providers focus only on passing fees to patients, often resulting in:

• Higher surcharge rates (3.5% or more)

• No improvement in debit card costs

• A disconnected or inconsistent checkout experience

QSave takes a more thoughtful approach by balancing both sides of the transaction. By keeping surcharge rates reasonable and lowering debit costs, practices can reduce overall payment processing expenses, maintain a positive patient experience, and avoid unnecessary friction at checkout. 

Read more: Keep Profits in Your Practice: Skip credit card fees with QuantaPay

Is QSave right for your practice?

If you’re already surcharging patients, QSave can help you do it more efficiently.

If you’re not currently using a surcharge model, QSave provides a straightforward way to start without overcomplicating your workflow or patient experience.

You may prefer to absorb credit card fees as a cost of doing business. If so, you might not need QSave in addition to your QuantaPay plan. Every practice is different. 

Take the next step to saving on merchant fees when you use QuantaPay + QSave

To recap, we covered: 

• How QSave works

• Why this model is different from others

• Is QSave right for your practice?

The right payment strategy depends on your current setup and goals. If you’re exploring merchant services options or considering patient surcharging, our team can walk you through how QSave would work for your practice.

Book a discovery call with QuantaPay to see how much you could save and whether QSave is the right fit for your practice.