ACH and Card Processing for Treatment Centers

ACH is not a credit card transaction. It is an electronic bank-to-bank transfer that allows a treatment center to collect payment directly from a patient’s bank account. ACH processing can provide an alternative to card payments and may offer lower transaction fees. Apt Financial supports ACH payment processing alongside card acceptance, recurring billing, reporting, and other treatment-center payment tools.

ACH processing electronically transfers an authorized payment from a patient’s bank account to the treatment center’s account. It can be used for patient responsibility amounts, program fees, recurring treatment charges, and aftercare payments. Apt Financial provides ACH processing with transparent pricing, detailed monthly transaction reporting, PCI DSS-compliant infrastructure, and next-day settlement options where available.

Yes. Apt Financial provides credit and debit card processing designed for substance use disorder treatment centers and behavioral health providers. The service supports major card brands, pay-by-link functionality, transparent transaction pricing, PCI DSS compliance, P2PE tokenization, and next-day settlement on card transactions as described in the service offering.

Yes. Apt Financial offers automated recurring billing for ongoing treatment programs, aftercare services, and continuing patient responsibilities. Scheduled charges can be connected with the platform’s credit card and ACH processing infrastructure. This helps treatment centers reduce manual collection work while maintaining payment records and supporting recurring payment arrangements.

Patient responsibility management involves collecting amounts patients owe directly, including self-pay balances, deductibles, and program fees. Apt Financial supports these collections through credit cards, debit cards, ACH transfers, recurring billing, and payment links. The platform also provides transparent pricing and reporting features designed for treatment-center payment operations.

Apt Financial offers a credit card surcharging program that allows treatment centers to surcharge eligible credit card transactions. The program is designed to operate in compliance with card brand regulations and integrates with Apt Financial’s broader payment processing platform. Eligibility, setup requirements, and applicable rules should be reviewed before implementation.

The service catalog states that Apt Financial offers no long-term contracts for recurring billing and patient responsibility management solutions. Pricing is described as transparent and transaction-based, with rates tailored to the treatment industry. Specific approval, account setup, and pricing terms depend on the selected services and the provider’s processing requirements.