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Understanding Dental Surcharging: Your Complete Guide To Eliminating Fees

Surcharging Has Changed The Game In Dentistry

Doctors that Surcharge eliminate on average, 93% of their total fees

Traditional Processing is no longer the norm. Doctors cannot afford to continue to endure the rising cost of credit card processing fees. Step into the New Era of Payment Processing and eliminate fees entirely.

What Is Surcharging?

Definition

A surcharge is when a 3% fee is added to Credit Card Transactions only.

Debit Card transactions cannot be surcharged.

Requirements

Merchants must follow Visa's rules, including displaying proper signage and registering with the Card Brands.

Technology Built For Surcharging

1

BIN Recognition

Payment technology that can determine Credit vs Debit and apply the 3% accordingly

2

Receipt Line Item

Include separate line item for Surcharge on the receipt.

3

Fee Added Automatically

Our Compliant Software and Hardware will auto populate the 3% fee.

4

Omni Channel Solution

Enable patients to pay conveniently through multiple channels.

What 3% Means To Your Bottom Line

Annual Savings based on Monthly Sales Volumes of $50k, $100k, and $150k


100%

Adoption

Doctors who surcharge have not reverted back to traditional processing

93%

Total Fees Eliminated

On average, our merchants see a 93% fee reduction

$7

Cost to the Patient

Patients who opt to pay by Credit on average pay $7 more


Real Life Case Studies

Tailored Healthcare Solutions

Standard

Reliable

Mid-Tier

Proven and Trusted

Top-Tier

Premium

Stand Alone Device

For basic office needs, use one of our modern, wireless smart card readers allowing patient payments from anywhere in the practice

Semi-Integration

This solution is perfect for a small-mid size practice that needs text to pay, card on file, auto recurring, and online payments with wireless readers

Integrated Systems

Connect and Auto Post all forms of payment into any CRM Software with our RPA Integrated Technology. Wireless card readers included

Want Integrated Payments?

With our advanced Payment Technology you can process payments anywhere with real time auto posting to any Practice Management Software



80%

80% of patients prefer Surcharging

over increased treatment costs, as it gives them transparency and choice in how they pay!

Fun Fact

Many patients are already familiar with surcharging from industries like hospitality, retail, and utilities—making it a seamless transition for dental practices!

Discover the Future of Payment Technology

Is Surcharging Right For Your Practice?

In 2025 over 90% of our Doctors are Compliant Surcharging seamlessly. By partnering with the right Processor, your practice can implement Surcharging the correct way, resulting in a seamless checkout experience for every patient.


Meet The CEO

David Fitzgerald

Chief Executive Officer

David Fitzgerald began his career as a driven sales professional, quickly rising through the ranks with his keen understanding of client needs and market trends. His passion for innovation and commitment to excellence led him to found and build TopCard Payments, now recognized as one of the most prominent players in healthcare payments.

With over 15 years in the industry, David has dedicated himself to transforming how healthcare professionals handle transactions, breaking free from outdated, traditional systems that hinder efficiency and profitability.

His expertise lies in crafting game-changing payment solutions that streamline operations, enhance security, and create a seamless financial experience for medical and dental practices. His forward-thinking approach has empowered countless healthcare professionals to elevate their businesses, reduce unnecessary costs, and embrace the new era of payment processing with confidence.

Driven by a passion for innovation and client success, David continues to push the boundaries of what’s possible in the financial technology space, ensuring that healthcare providers stay ahead in an ever-evolving digital landscape.

Mission Statement

Our mission is to revolutionize payment processing for doctors and healthcare professionals by delivering seamless, secure, and cost-effective solutions. We are committed to helping medical practices streamline transactions, reduce costs, and enhance financial efficiency—all while providing elite, white-glove customer support.

Our Incredible Partners

SurfCT

SurfCT® collaborates with practices to provide tailored IT solutions, including integrations, consulting, training, and 24/7 support.

​Health Professionals Alliance​

HPA supports independent practices to help them grow
and capture uptapped practice value, free of corporate ownership.

LADS

The Los Angeles Dental Society (LADS) is dedicated to providing excellent patient care and dental resources to the Los Angeles community.

Dental Dollars & Sense

DD&S helps dentists think like a CEO, grow thriving practices, create dynamic office environments and create the retirement of their dreams.

Wonderist Agency

Wonderist Agency has been dedicated to providing data-driven results and personalized design in a marketing landscape that is all too often cookie cutter or old school.

Gene St. Louis Consulting

Gene St. Louis is a nationally recognized expert in dental practice management. She built her company from the ground up, holding both clinical and administrative positions prior to her consulting career

Daltech Computers

DalTech Computer Systems provides state-of-the-art computer systems and services for businesses and individuals. .

Crystal Clear Billing Solutions

Crystal Clear Billing Solutions specializes in providing remote dental billing services.

Progressive Solutions

From computers, phones, and video equipment to mounting solutions and installation, our professionals will provide all the technology services you need to keep your office running smoothly and efficiently

​Bright Balance​

Bright Balance delivers cost-efficient, quality transaction processing, accounting, financial reporting, and financial analysis services to the middle market using an integrated onshore and offshore team.

Fiat Tax

Fiat Tax operates as an independent enterprise, offering expert tax preparation and filing services to individuals and businesses alike

Contact Us

We're here to help you navigate payment processing solutions for your healthcare practice. Our team of experts is ready to answer your questions and provide the support you need.

Get in Touch

📱 (314) 677-0891

✉️ support@topcardpayments.com

🌐 www.topcardpayments.co

Schedule A Demo