Does PerYourHealth Accept Credit Cards or Debit Cards? Complete Payment Guide
Yes, PerYourHealth.com accepts most major credit and debit cards for medical bill payments. This comprehensive guide explains which cards are accepted, processing fees, security measures, and best practices for using cards to pay your healthcare bills online.
Accepted Credit Cards
PerYourHealth typically accepts the major credit cards that most people use daily. However, availability may vary slightly depending on your healthcare provider's specific configuration:
Visa
Availability: Widely accepted across all PerYourHealth implementations
Card types: Visa Credit, Visa Debit, Visa Prepaid
Processing time: Immediate
Security features: Verified by Visa, 3D Secure authentication
Mastercard
Availability: Commonly accepted at most healthcare providers
Card types: Mastercard Credit, Mastercard Debit, Mastercard Prepaid
Processing time: Immediate
Security features: Mastercard SecureCode, 3D Secure authentication
American Express
Availability: Accepted by many but not all providers (higher processing fees)
Card types: American Express Credit, Amex Prepaid
Processing time: Immediate
Security features: Amex SafeKey, advanced fraud monitoring
Discover
Availability: Accepted by many healthcare providers
Card types: Discover Credit, Discover Debit
Processing time: Immediate
Security features: Discover ProtectBuy, real-time fraud alerts
Provider Variations:
Some healthcare providers may not accept all card types due to processing fee considerations. Always check the payment page on your specific PerYourHealth portal to see which cards are accepted for your account.
Debit Card Acceptance and Benefits
Debit cards work similarly to credit cards on PerYourHealth but offer some distinct advantages:
Visa Debit Cards
How it works: Processes like a credit card but funds come directly from your checking account
Processing time: Immediate account update, 1-2 business days for bank debit
Benefits: Lower processing fees, no interest charges, direct bank account access
Mastercard Debit Cards
How it works: Same process as credit cards but uses your bank account funds
Processing time: Immediate account update, 1-2 business days for bank debit
Benefits: Lower fees than credit cards, no debt accumulation, widely accepted
Other Debit Networks
STAR, Pulse, NYCE: May be accepted if they carry Visa or Mastercard logos
Bank-specific cards: Usually work if they have major network branding
ATM cards: Only work if they have Visa or Mastercard logos
Understanding Processing Fees
Card processing fees are an important consideration when choosing your payment method. These fees vary by card type and provider:
Credit Card Fees
Typical range: 2.0% - 3.5% of transaction amount
Why higher: Credit card networks charge more for processing and fraud protection
Who pays: Usually passed to the patient as a convenience fee
Example: $500 bill = $10-$17.50 in processing fees
Debit Card Fees
Typical range: 0.5% - 1.0% of transaction amount
Why lower: Debit transactions have guaranteed funds and lower fraud risk
Who pays: Usually passed to patient but significantly lower than credit cards
Example: $500 bill = $2.50-$5.00 in processing fees
Provider Variations
Some providers absorb fees: Particularly for smaller bills or patient convenience
Others pass all fees: Especially for larger healthcare systems
Fee disclosure: Always shown before you confirm payment
Maximum fees: Some providers cap fees at a certain dollar amount
Security Measures for Card Payments
PerYourHealth implements multiple layers of security to protect your card information:
Encryption Technology
SSL/TLS encryption: All card data encrypted during transmission
Tokenization: Card numbers replaced with secure tokens during processing
No card storage: Full card numbers not stored on PerYourHealth servers
3D Secure Authentication
Verified by Visa: Additional password verification for Visa cards
Mastercard SecureCode: Extra security step for Mastercard users
Amex SafeKey: American Express version of 3D Secure
Fraud Detection Systems
Real-time monitoring: Suspicious transactions flagged immediately
Address verification: Billing address matched with card records
CVV verification: Security code required for all transactions
Step-by-Step Card Payment Process
When paying with a credit or debit card on PerYourHealth.com, follow this process:
Select Card Payment
Choose "Credit Card" or "Debit Card" as your payment method on the payment screen
Enter Card Details
Input your card number, expiration date, and CVV security code
Billing Information
Enter the billing address associated with your card (must match card records)
Review Fees
Check the processing fees and total amount before proceeding
Authentication
Complete any 3D Secure verification required by your card issuer
Confirm Payment
Submit payment and save the confirmation number and receipt
Ready to pay with your credit or debit card? Log into PerYourHealth with your account number to make a secure payment.
Pay with Card NowTroubleshooting Card Payment Issues
Common card payment problems and their solutions:
Card Declined
Possible causes: Insufficient funds, expired card, daily limit reached, fraud alert
Solutions: Check balance, verify expiration, call bank to authorize transaction
Address Verification Failed
Possible causes: Billing address doesn't match card records, moved recently
Solutions: Use the exact address on file with your bank, update billing address
3D Secure Authentication Issues
Possible causes: Forgot password, browser issues, timeout
Solutions: Reset password with your bank, try different browser, restart process
Card Not Accepted
Possible causes: Provider doesn't accept that card type, international card issues
Solutions: Try a different card, use bank transfer, contact billing department
Best Practices for Card Payments
Follow these practices for smooth, secure card payments:
Use Secure Networks
Make card payments from your home network rather than public WiFi to ensure security
Verify Card Details
Double-check card number, expiration date, and CVV before submitting to avoid declines
Keep Cards Current
Use cards that are not expired and have available credit/balance for the payment amount
Save Confirmations
Save payment confirmations and check your card statement to verify the charge
Monitor for Fraud
Watch your card statements for any unauthorized charges after making medical payments
Comparing Card vs. Other Payment Methods
Understanding how card payments compare to other PerYourHealth options:
Credit/Debit Cards
Pros: Immediate processing, rewards points, payment protection, widely accepted
Cons: Processing fees (2-3% for credit), potential for debt accumulation
Best for: Immediate payments, earning rewards, payment protection benefits
Bank Transfers (ACH)
Pros: Lowest fees (often free), direct from bank account, no debt
Cons: 2-3 business days processing, less payment protection
Best for: Large bills, avoiding fees, when you have time for processing
Phone/In-Person Payments
Pros: Human assistance, immediate confirmation, can resolve issues
Cons: Limited business hours, potential wait times
Best for: Complex billing issues, when you need help immediately
Special Considerations for Medical Payments
Medical bill payments have unique considerations when using cards:
Healthcare Credit Cards
Some patients use specialized healthcare credit cards like CareCredit. These may or may not be accepted depending on the provider's processing configuration.
Flexible Spending Account (FSA) Cards
FSA debit cards typically work on PerYourHealth if they carry major network logos. Keep documentation for tax purposes.
Health Savings Account (HSA) Cards
HSA cards usually work like regular debit cards. Verify your HSA allows medical bill payments through online portals.
Employer-Paid Cards
Some employers provide payment cards for medical expenses. Check with your employer about online payment restrictions.
Tax and Insurance Considerations:
Keep receipts from card payments for tax deductions, insurance claims, and Flexible Spending Account reimbursements. Card statements alone may not provide sufficient detail for these purposes.