Credit card surcharging for assisted living communities, within the rules

A surcharge program adds a disclosed fee to credit card payments to offset processing costs. Pass card costs to residents who choose credit cards, where state law allows. Roots configures card detection so debit and prepaid cards are never surcharged.
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Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for assisted living & senior living

How each solution supports assisted living & senior living

See what each option adds to the way your business takes and tracks payments.

Square Invoices

For assisted living & senior living: Send itemized invoices for home-care visits and client service charges and track deposits, due dates and outstanding balances. Square Invoices sends unlimited invoices, estimates and contracts by email, text or link, with automatic reminders and cards or bank accounts on file. Monthly invoices with bank account on file, for smaller communities. Roots sets up your templates, schedules and accounting sync.
  • Build branded invoice and estimate templates with your terms and policies
  • Set up recurring series with card or bank account on file
  • Connect Square to QuickBooks Online or Xero and map your accounts
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ACH Payments

For assisted living & senior living: Offer bank-account payments for home-care visits and client service charges, with authorization and invoice matching built into the workflow. ACH moves money directly between bank accounts, usually for far less than cards on large payments. ACH for monthly fees, far cheaper than cards at these amounts.
  • Set up authorization and verification
  • Configure payment pages and invoices
  • Handle returns and reporting
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$3,345.00 · ref ACH-7731

Recurring Billing

For assisted living & senior living: Schedule and manage payments for weekly care plans and scheduled client invoices, including renewals and customer account balances. Automate recurring card and ACH charges for memberships, retainers and payment plans. Automatic monthly billing with prorations.
  • Draft authorization language for recurring charges
  • Set up schedules and retry rules
  • Connect billing to your software
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Merchant Account

For assisted living & senior living: Arrange a processing account for home-care visits and client service charges, with checkout methods matched to how customers pay. A dedicated merchant account underwritten for your senior living community, with pricing you can read and a person to call. MCC 8050 accounts sized for monthly fees.
  • Analyze your current statements and quote side by side
  • Prepare the underwriting package so approval moves quickly
  • Set up terminals, gateway and software connections
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Credit Card Surcharging

For assisted living & senior living: Plan credit-card surcharge disclosures for home-care visits and client service charges, keeping eligible card payments distinct at checkout. A surcharge program adds a disclosed fee to credit card payments to offset processing costs. Pass card costs to residents who choose credit cards, where state law allows. Roots configures card detection so debit and prepaid cards are never surcharged.
  • Check your state's rules
  • File required notice with card networks through your acquirer
  • Configure terminals, invoices and receipts

Custom Payment Integration

For assisted living & senior living: Connect the payment flow for home-care visits and client service charges with your software and the operational records behind visit records, care-plan invoices and caregiver balances. We connect payments to the systems you already run so balances, receipts and deposits reconcile automatically. Connect billing to your senior living software.
  • Scope integrations your software vendor supports
  • Build and test the connection
  • Keep sensitive data out of payment records
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Credit Card Surcharging questions

Questions home care agency teams ask about patient payments.
A surcharge adds a fee to an eligible card payment. A cash discount offers a lower price for cash. Roots reviews the proposed program with your processing partner before setup.
We help plan the required customer notices, checkout display and receipt for the program confirmed for your business.
Bring your processing costs, card mix, customer notices and checkout equipment. Roots uses these details to plan the workflow for assisted living & senior living and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

Ready to talk it through?

Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a home care agency payments specialistAll assisted living & senior living solutions