DirectoryPayments and memberships
CareCredit
The healthcare credit card patients already know. Provider pricing is negotiated, not published.
What it does for a med spa
CareCredit is a credit card patients use for health and wellness purchases, including aesthetics. The practice pays a merchant fee and the patient may get a promotional financing window. Many people arrive already holding the card.
Who it’s best for
A practice whose patients ask for CareCredit by name and that wants the card accepted at checkout.
Pros
- Awareness is the feature. Patients have heard of it, which shortens the pitch.
- It sits beside other financing rather than replacing your card machine.
- Provider enrollment is a known path, not a startup experiment.
Cons
- The merchant fee is Not listed. Get it in the agreement and compare it with a published range like Cherry's.
- Deferred-interest promotions confuse patients. Your team needs a sentence that is accurate.
- A card the patient already has does not help the person who was declined.
Others in Payments and memberships
Payments and memberships
Cherry
Patient financing for med spas and other cash-pay practices. Cherry publishes a merchant-fee range instead of hiding it.
Merchant fee from 1.7%
Checked October 21, 2026
Payments and memberships
PatientFi
Patient financing used by aesthetic and surgical practices. The provider fee is not on the public site.
Not listed
Checked October 21, 2026
Payments and memberships
RepeatMD
A membership, rewards, and ecommerce app for aesthetic practices. Pricing is described as flexible and is not printed.
Not listed
Checked October 21, 2026