zH-Pay Surcharge Feature

zH-Pay Surcharge Feature

Introduction

A surcharge on a credit card (CC) is the additional fee that merchants charge customers who pay with a credit card. This fee is meant to cover the processing costs that businesses incur when accepting credit card payments. 

zHealth recognizes that certain state laws restrict or prohibit merchants from applying surcharges.
As of February 15, 2024:
  1. Prohibited: Connecticut, Maine, Massachusetts, Oklahoma, and Puerto Rico do not allow surcharging.
  2. Regulated: Colorado, Minnesota, New Jersey, and New York have specific requirements for surcharging.
Important Considerations:
  1. Compliance: Ensure your business adheres to all applicable state and federal laws, and display surcharge disclosures at your clinic’s point of entry and point of sale.
  2. Fee Limit: Maximum surcharge capped at 3%
  3. Card Restrictions: Not applicable to Debit Cards.
Notes
Important Note: zHealth cannot provide you with legal advice.

Read the step by step instructions:

Info
1. Once the surcharge feature is activated in your system, the first step is to set the surcharge percentage you wish to apply to patients paying with a credit card (for both card-present and card-not-present transactions).

To set this up, navigate to Update Info > Facility tab and enter the surcharge percentage in the Credit Card Surcharge field. You can also select your preferred label from the dropdown menu.


Info
2. When processing a payment through the terminal device or CNP transactions, the system will display a modal prompting you to select the card type— debit card, credit card, or other. Based on your selection, it will calculate and display the surcharge amount (according to the percentage configured in the Facility tab) that the patient will be responsible for.
Notes
Note: We have added the Card Type modal screen for CNP payments and terminal-based transactions made via invoices, Patient credits, Membership Payments, Membership Recurring Payments, Initiate Payment from the scheduler, and the Online Appointment Portal. Additionally, the system will exclude the surcharge for debit card transactions.


Info
3. The surcharged amount will appear in the "Surcharge" field within both the Invoice Payment section and the Invoice Summary section after a successful CNP or terminal transaction.
Notes
For cash or debit card transactions, no surcharge will be applied; therefore, the Surcharge field in the Invoice Payment section and the Invoice Summary screen will display an amount of 0.



Info4. The Surcharge details will also be included in the Billing Statement, Abbreviated Statement, Invoice PDF, and Payment Receipt (if paid with a credit card).


Notes
Note: The surcharge feature is only applicable to zH-Pay.
Notes
For more information about the surcharge feature, contact us at support@zhealthehr.com.

    • Related Articles

    • Text-to-Pay Feature in zHeath Pay

      Unlock a faster and more efficient payment collection process using zHealth Pay's Text-To-Pay feature. What is Text-to-Pay? Text-to-Pay feature allows zHealth Pay users to send invoices directly to their patients via text, accompanied by a payment ...
    • What is zHealth Pay?

      zHealth Pay is a fully integrated payment processing solution built specifically for chiropractors. Simplify the collection of patient payments by accepting all payment card types, including credit/debit cards, Visa, MasterCard, Discover, and ...
    • Email and Text to Pay from Invoice

      One of the benefits of zHealth Pay is that it gives you the option to send patients their invoices and request that they pay it online. This feature requires you to sign-up for zHealth Pay and activate zHealth Payment Terminal. To learn more about ...
    • How to Collect Payments or Refund Payments using zHealth Pay

      Once you sign up for zHealth Pay and activate your zHealth Payment Terminal, you are ready to process patient payments through zHealth Pay. You can use zHealth Pay to quickly collect payments or refund payments right from your Appointment Dashboard, ...
    • zHealth Pay FAQs

      zHealth Pay - Frequently Asked Questions Q: When trying to refund a patient, we get an “unexpected error”. Why is this happening? A: This could be happening for a couple of reasons: Normally you can only do a refund with available funds, (not ...