Integrated Payment Solutions for Behavioral Health

Apt Financial provides credit card and debit card processing, ACH bank transfers, recurring billing, patient responsibility management, outsourced patient collection support, payment links, reporting, and compliant credit card surcharging. These services are designed for behavioral health providers and substance use disorder treatment centers that collect self-pay balances, deductibles, program fees, and recurring payments.

Yes. Apt Financial offers credit card and debit card processing designed for substance use disorder treatment centers. The service supports major card brands, transparent pricing, pay-by-link functionality, PCI DSS compliance, P2PE tokenization, and next-day settlement on card transactions. Eligible credit card transactions may also support dynamic surcharging in accordance with applicable card brand requirements.

ACH processing allows treatment centers to accept direct bank-to-bank payments from patients or other responsible parties. Apt Financial provides transparent transaction pricing, detailed monthly transaction reports, and lower transaction fees than credit card processing where applicable. ACH is available as part of the company’s broader behavioral health payment platform and can support patient responsibility collection and recurring payment needs.

Yes. Apt Financial offers automated payment schedules for ongoing treatment programs and aftercare services. Recurring billing can use integrated credit card and ACH processing to help treatment centers manage scheduled patient charges without relying solely on manual collection. The service includes PCI DSS compliance and P2PE tokenization as part of the payment infrastructure.

Patient responsibility management helps treatment centers collect amounts assigned to patients or responsible parties, including self-pay balances, deductibles, program fees, and other payment obligations. Apt Financial supports collection through card payments, ACH transfers, recurring billing, and payment links, with transparent pricing and reporting designed for behavioral health payment operations.

Apt Financial offers a surcharging program that allows treatment centers to pass eligible credit card processing fees to patients. The solution dynamically applies surcharges to eligible transactions and operates in compliance with card brand regulations. Treatment centers should review applicable requirements and program rules before implementation so the setup aligns with their payment practices and obligations.

The service catalog identifies no long-term contracts as a benefit for supported Apt Financial payment solutions. Pricing is described as transparent and transaction-based, with no hidden fees. Specific commercial terms can vary by solution and organization, so treatment centers should review the applicable agreement, processing terms, and selected payment services before enrollment.

Yes. Multi-location support is identified as a competitive advantage of Apt Financial’s payment platform. Treatment centers can also access dashboard reporting for attempted and successful transactions, helping organizations oversee payment activity across their operations. Specific configuration, user access, reporting, and settlement arrangements should be established during setup based on the organization’s structure.