Chiropractic Students: Click here to get started!

How to Negotiate Credit Card Fees for Chiropractors


I'm going to give you a quick run down of my advice, but I'm working on a more detailed presentation that I'll post in The Foundation, where I'll go over all of the terms and tips for looking at where you might be getting ripped off.

#1 - You have to negotiate rates. You are not going to get the best rates possible by going to only your bank, or one other company. If you go to one place, they're going to give you their rates they offer everyone, which are ideal for their pockets and not yours🤑.

Use a Reputable Credit Card Processing Business

#2 - Stick with reputable businesses and banks🏦. We've used NCMIC for years, and been very happy with them!

✔️ The top malpractice attorneys in the nation!

✔️ They take care of their clients!

✔️ Before, during, and after a claim they are there to protect your reputation and your practice.

✔️ They've supplied $16Million to support research and education.

✔️ Started in 1946 by Chiropractors, specializing in matters of Chiropractic.

Read your Credit Card Processing Contract

#3 - If rates seem too good to be true, then there's probably something wrong. Last week I saw someone post that they found a company with zero fees, but it turned out that the company was charging his patients the fee😳.

#4 - Know how and when you can end your contract📜.

#5 - Know if they will increase rates during your contract or at the end of the contract and how they notify you if this is going to happen☎️.

NCMIC Credit Card Processing

My recommendation is to get a quote from 1 place, then take it to NCMIC(because I like the company and think they'll beat the others). Also there's no surprises with NCMIC, they're a reputable company that cares about their clients. The places that I would start with are your bank, Costco, & Heartland Payments because they all offer competitive rates.

We started with one company when we opened. It was a friend of Rich's and he got us good rates. It was hard to get out of the contract though. We could only cancel it during a 30 day window each year. They also raised our rates while we were with them and never notified us about the increase. We then took our rates to another company for a quote and then took that to NCMIC to get the rates we have now.

NCMIC vs Square Credit Card Processing

I looked at one of our credit card statements. If we were with Square or another flat rate processor at 2.75% then we would have paid an extra $76 the month of that invoice. If you multiply that by 12 for the year, then we would have missed out on almost $1000/year by using a non-negotiated, flat rate service.

Benefits to NCMIC Credit Card Processing

✔️ Free Use Equipment - state of the art chip equipment(terminals, mobile, and computer processing)

✔️ EHR Integration

✔️ No Application Fee

✔️ Lowest Price Guaranteed. If we can’t meet or beat current rates, we will pay with a $100 MasterCard gift card.

✔️ Free Merchant Portal(quicker access to monthly statements and transactions)

✔️No middlemen. No commissions.

Want to Talk to Someone at NCMIC?

Want to save money on your credit card fees? Use the form below to speak with someone at NCMIC. If they can't beat your current credit cad processor, then they'll send you a $100 Master Card gift card. You can't lose with that bet!



50% Complete

Two Step

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.