The Cost of Convenience:  Why PMS-Linked Payment Processing Hurts Your Bottom Line

When Integration Becomes Limitation

Practice management systems (PMS) serve as the operational backbone for medical, dental, and veterinary practices — handling scheduling, billing, and patient data. However, when it comes to payments, this convenience can come with a financial drawback.


Most PMS platforms bundle a built-in payment processor that locks offices into predetermined rates and limited flexibility. Because the PMS provider controls the integration, many offices pay well above market rates, often exceeding 3–4% in total processing costs. Over time, this dependency on proprietary payment systems can lead to inflated expenses and restricted options.


PayLow Pro was designed to provide practices with a compliant, integrated, and cost-efficient alternative.


Freedom from Locked-In Payment Providers

PayLow Pro enables practices to integrate payments with their existing PMS platforms—without being tied to inflated in-house processing programs.

The solution integrates seamlessly with major PMS platforms, including Dentrix, Open Dental, PracticeWorks, EagleSoft, and IDEXX Cornerstone, among others. Practices maintain full functionality within their current workflow while gaining control over costs and reporting transparency.


Key advantages include:

  • Processor independence: Enables selection of competitive rates instead of accepting preset vendor pricing.

  • Seamless integration: Works within existing PMS systems without disruption or retraining.

  • Accurate data synchronization: Ensures real-time transaction visibility and consistency across reports.


Cleaner, More Concise Reporting

End-of-day reconciliation is a frequent pain point for healthcare administrators. PayLow Pro consolidates payment data into unified reports that include card, cash, and ACH transactions.


Benefits include:

  • Centralized reporting: Unified dashboards reduce manual reconciliation and duplicate entry.

  • Error reduction: Integrated transaction tracking minimizes accounting discrepancies.

  • Enhanced oversight: Clear data visibility supports more informed financial decisions.

With improved accuracy and automation, practices save time and gain confidence in their financial reporting.


Dual Pricing: Real Savings Through Transparency

PayLow Pro incorporates Dual Pricing, a compliant model that transparently displays both cash and card prices. This approach allows practices to recover the cost of card acceptance while maintaining patient clarity and choice.


Highlights:

  • Reduces or eliminates card processing costs

  • Maintains compliance with Visa, Mastercard, and state regulations

  • Supports patient transparency and trust at the point of payment

Practices using Dual Pricing through PayLow Pro often reduce their effective processing rate to 0%–0.5%, significantly improving margins without impacting patient satisfaction.



Case Studies: Proven Results in Practice

Fremont Animal Hospital – Fremont, Ohio

Fremont Animal Hospital was previously locked into a PMS-based payment provider that limited flexibility and carried high processing rates. Transitioning to PayLow Pro integrated payments within the IDEXX Cornerstone system, resulting in a 90% reduction in processing costs. The hospital also experienced faster deposits and streamlined financial reporting.

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Central Washington Oral & Facial Surgery – Yakima, Washington

Central Washington Oral & Facial Surgery faced processing costs exceeding 3% under a PMS-linked payment contract. By adopting PayLow Pro, the practice maintained existing workflows while implementing Dual Pricing, leading to annual savings of over $20,000. The result included simplified reporting across multiple providers and improved financial control.

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Why PayLow Pro Is the Smarter Choice for Healthcare Offices

  • Compatible with leading PMS systems such as Dentrix, EagleSoft, Cornerstone, PracticeWorks, and Open Dental

  • Maintains established workflows while adding modern payment capabilities

  • Provides concise, unified reporting across all payment types

  • Delivers substantial savings through Dual Pricing

  • Supported by responsive, U.S.-based customer service


  • The Bottom Line

    An integrated PMS should not dictate payment costs. PayLow Pro provides healthcare offices with the flexibility to retain existing software systems while achieving substantial cost savings, improved transparency, and simplified financial management.


    Practices utilizing PayLow Pro maintain the convenience of their PMS platforms while eliminating unnecessary expenses and administrative inefficiencies associated with locked-in payment providers.  To request a demo of PayLow Pro PMS integration capabilities, contact us today.

    Get the Guide

    • The hidden fees your practice incurs for card payments
    • The differences between traditional processing, cash discounts, surcharging, and dual pricing
    • The legalities for federal government, state legislation and card brand regulations
    • The correct setup process and implementation of a legal dual price processing program.