Industry
Payments software for outpatient physical therapy clinics
Physical therapy collects small amounts many times: a copay at every visit across a twelve-visit plan of care, plus a growing share of cash-pay and wellness work. Enterprise Pay Gateway takes copays through checkout links, sells prepaid visit packages in a single charge, and bills recurring cash-pay plans. Payouts land in your own bank account on a fixed monthly subscription plus a platform fee from 0.20% to 0.75%, with Stripe's processing billed separately by Stripe.
Last updated 9 September 2026
Typical copay
$25–$75
Collected at every visit. Small amounts multiplied by high visit counts make automation worth more than it first appears.
Visits per episode
8–16
A plan of care is effectively a package. Selling it as one prepaid product improves both cash flow and attendance.
Cash-pay growth
Rising
Wellness, maintenance and performance programmes bill like memberships and sit entirely outside insurance.
Where the money leaks
Copays collected inconsistently
Front desks skip copays when the clinic is busy, and the balance is rarely recovered later. A card on file charged per visit removes the decision.
Patients drop out mid-episode
Attendance falls off after visit four. A prepaid package improves completion rates and secures the revenue for the full plan of care.
Cash-pay programmes billed manually
Maintenance and performance programmes are subscriptions billed like invoices, which loses members every time a card expires.
Reconciliation across payer and patient
Patient-side money is scattered across terminals and statements. One payment dashboard shows what was actually collected from patients.
The four payment flows you need
- 1
Copay on file
Take a card at intake and charge the copay per visit rather than asking at the desk each time.
- 2
Prepaid visit package
Sell the plan of care as one product at a package price, collected in a single checkout.
- 3
Cash-pay plan
Bill maintenance and performance programmes monthly with automatic retries.
- 4
Balances
Send a checkout link for any patient balance as soon as it is known.
What physical therapy payment processing costs
Stripe bills card processing directly to your account — 2.9% plus 30 cents for US online card transactions at the time of writing.
Enterprise Pay Gateway charges a fixed monthly subscription from $49 plus a platform fee: 0.75% on Starter, 0.60% on Growth, 0.40% on Pro, negotiated 0.20%–0.35% for multi-clinic groups.
A clinic collecting $60,000 a month on the patient side fits Growth: $99 plus roughly $360 in platform fees, alongside Stripe's processing.
Packages and completion rates
Prepaying a plan of care raises attendance because the patient has already committed financially. Clinically that produces better outcomes; commercially it removes mid-episode revenue loss.
Price the package below the sum of individual visits so the value is explicit, and state clearly what happens to unused visits.
Compliance boundaries
Hosted checkout keeps card data out of your systems, holding your PCI obligation at the simplest self-assessment level.
Keep clinical documentation in your EMR. Payment records need only amount, date, product name and payer email — avoid diagnosis detail in checkout descriptions.
Frequently asked questions
- Can a physical therapy clinic charge copays automatically?
- Yes. Take a card at intake and charge the copay per visit rather than asking at the desk each time, which removes the most commonly skipped collection in the clinic.
- Can we sell a plan of care as a package?
- Yes. Sell the full episode as one product at a package price through hosted checkout. Prepayment improves attendance and secures the revenue up front.
- Does this work for cash-pay wellness programmes?
- Yes. Those bill as recurring products with automatic retries and a self-serve billing portal, exactly like a membership.
- What does it cost?
- Stripe's processing fee plus a platform fee. Enterprise Pay Gateway charges $49 to $199 a month plus 0.75% down to 0.40%, with negotiated pricing for groups.
Start taking deposits this week
Create your account, verify with Stripe, and share your first checkout link. Card processing is provided by Stripe under its own agreement with you.