Outsourced Payments for Residential Treatment

Apt Financial provides credit and debit card processing, ACH bank transfer processing, recurring billing, patient financial responsibility management, outsourced patient collection support, payment links, virtual terminals, and compliant credit card surcharging capabilities. These services are designed for behavioral health and substance use disorder treatment providers managing patient balances, program payments, deductibles, and other self-pay responsibilities.

Yes. Apt Financial supports ACH bank transfer processing so treatment centers can accept direct bank-to-bank payments. ACH transactions may offer lower transaction fees than credit card processing, while transparent reporting helps organizations review payment activity. Next-day settlement is available as an option, subject to the applicable processing arrangement.

Yes. Automated payment schedules are designed for ongoing treatment programs and aftercare services. Recurring billing can operate through Apt Financial’s secure credit card and ACH processing infrastructure, with PCI DSS compliance and P2PE tokenization. This helps treatment centers establish scheduled collections instead of managing every recurring payment manually.

Patient financial responsibility management supports the collection of amounts patients owe directly, including self-pay balances, deductibles, and program fees. Apt Financial enables treatment centers to use card processing, ACH transfers, recurring billing, virtual terminals, and payment links to organize these payment needs through a specialized treatment-industry solution.

Apt Financial offers a credit card surcharging solution that allows treatment centers to pass processing fees to patients on 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 for substance use disorder treatment providers.

Yes. Apt Financial offers transparent transaction-based pricing with no hidden fees across applicable payment solutions. Treatment centers can receive detailed monthly reports by transaction, supporting clearer review of payment activity and processing costs. Pricing can be tailored to treatment-industry needs, and a custom quote is available.

Yes. Apt Financial’s payment platform includes virtual terminal access and pay-by-link functionality. These tools can help treatment centers accept payments when a physical card terminal is not being used, while supporting flexible collection workflows for patient responsibility amounts and treatment-program payments.

Apt Financial states that its streamlined underwriting and quick approval process can allow eligible treatment centers to get approved and start processing in days. The exact onboarding experience depends on the processing arrangement and required business information. A consultation can clarify the steps for setting up card, ACH, and recurring payment capabilities.