Tell me more about credit card processing
By signing up for a merchant account with our partner, Bluefin, you gain the ability to process credit and debit cards from patients/clients directly in Luminello. Here are the key benefits:
- Competitive rates: We offer a flat rate of 2.90% + $0.30 per transaction for MasterCard, Visa, American Express, and Discover. Unlike "teaser rates" or "tiered pricing," our transparent pricing ensures that you won't face unexpected costs.
- HSA/FSA card payments: Patients/clients can conveniently make payments using their Health Savings Account (HSA) or Flexible Spending Account (FSA) cards.
- Seamless integration: Luminello integration saves you valuable time by streamlining the payment process.
- Convenient payment options: Patients/clients can enter their credit card information, view their real-time balance, and make payments directly in the portal.
- Auto-reminders: As the card approaches its expiration date, automated reminders are sent to both you and the patient/client.
- Human customer support: Our team provides real human customer support to assist you whenever needed.
- Automatic charge for unpaid invoices: Any invoices not paid in full can be automatically charged to the credit cards on file.
- PCI compliance support: We offer support for PCI compliance, ensuring the security of credit card information.
Key differences between Flat Rates and Non-Flat Rates:
- Non-flat rates can vary significantly on the types of credit cards used by patients/clients (frequent flier miles cards, corporate cards vs. debit or non-rewards cards). Many airline cards, even swiped, would carry rates over 3%. Non-flat rate cards also have additional MC/Visa/Amex assessments tacked on (buried in the contract you sign) that can add up to 0.25-0.5% more than we include in the flat rate.
Save time by processing transactions within Luminello
- Convenient card storage: Credit card information is securely saved, eliminating the need for swiping or re-entering data.
- Patient/client entry: You can allow patients/clients to enter their credit card information themselves, reducing your PCI compliance burden.
- Flexible payment options: Process payments, rapid-fire collections, or enable auto-pay for your practice.
- Updated billing history: Transactions are automatically recorded, eliminating the need for double entry.
- Timely fund transfers: Funds are transferred to your checking account within 2-3 business days.
- Clear transaction fees: Applicable fees are debited from your account, and a monthly statement provides a detailed overview of income and charges.
PCI compliance support
- PCI compliance is essential to protect credit card information. Our monthly support fee includes access to Trustwave services, guiding you through the annual PCI assessment and offering computer scanning if necessary.
- Specialists are available to answer any PCI compliance questions you may have.
- Even if you use payment processors like PayPal, Square, or Stripe, PCI compliance is still required. However, they don't assist in the compliance process. We are committed to relieving this burden for clinicians, ensuring you are not held responsible in the event of a data breach.
- Learn more about PCI compliance requirements here.
The Fine Print
- Bluefin charges an annual fee of $50. For any questions regarding this fee, please contact Bluefin directly.
Ready to save time and accept credit cards within Luminello? Sign up now
If you have any questions, please contact us.