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Clover for Healthcare · ARCA
Clover for Healthcare

Patient payments, simplified.

Collect copays, process HSA/FSA cards, and manage patient billing — all on Clover's Healthcare SaaS plan. ARCA provides the payments backbone, setup, and compliance-ready support.

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Healthcare SaaS Plan· Mini · Flex · Compact

PCI-DSS compliant · HSA/FSA ready · US-based support

Built for healthcare

Why practices trust Clover + ARCA

PCI-DSS compliant

End-to-end encryption and tokenization on every transaction

HSA / FSA / HRA ready

Accept all health spending cards automatically at checkout

0% processing available

ARCA dual pricing keeps more revenue in your practice

Healthcare SaaS plan

Purpose-built Clover plan for medical practices

Find your practice

Solutions by practice type

Select your practice to see how Clover Healthcare + ARCA work for you.

Med Spa & Aesthetics

Med Spa & Aesthetics

Treatments, packages, and retail skincare

High-ticket treatments, membership plans, and retail skincare — with consultation deposits and package tracking built in.

  • Treatment packages — Botox, filler, laser, and peel bundles with session tracking
  • Membership plans — Recurring monthly billing for VIP treatment programs
  • Consultation deposits — Collect upfront for booked procedures
  • Retail skincare POS — Sell serums, SPF, and aftercare at checkout
  • HSA/FSA acceptance — Patients pay with health spending cards
  • 0% processing with ARCA — Major savings on $500–$5,000+ treatments
Also covers:Plastic SurgeryCosmetic DermatologyLaser ClinicIV TherapyWeight Loss Clinic
Recommended: Mini at reception · Compact for treatment room pay
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Dental Office

Dental Office

Copays, treatment plans, and patient billing

Collect copays at check-in, process treatment plan deposits, and bill patients for the balance after insurance — all from one system.

  • Copay collection — Fast checkout at the front desk before or after visits
  • Treatment plan deposits — Partial payment for crowns, implants, and orthodontics
  • Patient balance billing — Invoice remaining balances after insurance processes
  • Card on file — Store patient cards for easy follow-up billing
  • HSA/FSA acceptance — Process health spending cards at checkout
  • 0% processing with ARCA — Save on every copay and procedure payment
Also covers:Oral SurgeryOrthodonticsPediatric DentistryPeriodonticsEndodonticsCosmetic Dentistry
Recommended: Mini at front desk · Compact for operatory checkout
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Primary Care & Family Practice

Primary Care & Family Practice

High-volume copays, wellness visits, and patient billing

The backbone of outpatient medicine. Process dozens of copays daily, bill self-pay patients, and manage card-on-file for recurring visits.

  • High-volume copay processing — Handle 40–80+ copays per day with fast tap checkout
  • Self-pay pricing — Flat-rate or sliding-scale visit fees for uninsured patients
  • Card on file — Stored cards for balance billing and no-show fees
  • Multi-provider reporting — Revenue by physician, NP, or PA
  • HSA/FSA acceptance — Accept all health spending cards seamlessly
  • 0% processing with ARCA — High daily volume = significant monthly savings
Also covers:Family PracticePediatricsInternal MedicineTelehealthConcierge MedicineGeriatrics
Recommended: Mini at check-in · Compact for nurse station or exam room
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Chiropractic

Chiropractic

Visit packages, copays, and wellness products

Recurring visit packages, per-visit copays, and supplement sales — with quick checkout between adjustments.

  • Visit packages — 10, 20, or unlimited visit bundles with tracking
  • Quick copay checkout — Process $25–$75 copays in seconds between patients
  • Supplement & product sales — Pillows, supports, and supplements at the front desk
  • Recurring memberships — Monthly wellness plans with automatic billing
  • HSA/FSA acceptance — Patients pay with health spending cards
  • 0% processing with ARCA — High-volume copays add up to big savings
Also covers:Sports MedicineAcupunctureWellness Center
Recommended: Mini at front desk · Compact for adjustment room
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Optometry & Vision

Optometry & Vision

Exams, eyewear retail, and insurance copays

Eye exams, frame and lens sales, contact lens orders, and insurance copay collection — optical retail meets healthcare billing.

  • Optical retail POS — Ring up frames, lenses, contacts, and accessories
  • Exam copay collection — Fast checkout for vision and medical eye exams
  • Special order tracking — Track frame orders and contact lens shipments
  • Inventory management — Track frames by brand, style, and price tier
  • HSA/FSA + vision plan cards — Accept all health and vision spending cards
  • 0% processing with ARCA — Save on every exam and frame sale
Also covers:OphthalmologyLASIK CenterOptical Retail
Recommended: Mini at optical counter · Flex for secondary checkout
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Physical Therapy

Physical Therapy

Session copays, packages, and recurring billing

High visit frequency means fast copay collection is critical. Process 20+ copays per day without slowing down the schedule.

  • Rapid copay processing — Tap-to-pay for fast $30–$75 copays between sessions
  • Session packages — Cash-pay bundles for patients without insurance
  • Card on file billing — Charge stored cards for recurring visits
  • Patient visit tracking — Authorization counts and session history
  • HSA/FSA acceptance — Process health spending cards seamlessly
  • 0% processing with ARCA — 20+ copays/day × savings = significant monthly impact
Also covers:Occupational TherapySpeech TherapySports RehabPelvic Floor Therapy
Recommended: Mini at front desk · Compact for gym-side checkout
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Pharmacy

Pharmacy

Prescriptions, OTC, and front-end retail

Process prescription copays, ring up OTC products, and manage front-end retail inventory — fast checkout for high daily volume.

  • Prescription copay processing — Fast checkout for Rx pickups
  • Front-end retail POS — OTC meds, vitamins, first aid, and personal care
  • Inventory management — Track stock levels with low-quantity alerts
  • High-volume speed — Quick keys and favorites for common transactions
  • HSA/FSA acceptance — Accept all health spending cards for eligible items
  • 0% processing with ARCA — High transaction count = major savings
Also covers:Compounding PharmacySpecialty PharmacyDME Supplier
Recommended: Mini at pharmacy counter · Mini at front-end register
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Specialty Practice

Specialty Practice

Specialist copays, procedures, and patient billing

Medical specialists see fewer patients at higher ticket values. Collect copays, process procedure deposits, and bill balances after insurance — across any specialty.

  • Specialist copay collection — Higher copays processed quickly at check-in or checkout
  • Procedure deposits — Collect upfront for scheduled procedures and treatments
  • Balance-after-insurance billing — Invoice patients for remaining balances with pay links
  • Patient payment plans — Split large balances into manageable installments
  • HSA/FSA acceptance — Process health spending cards for all eligible services
  • 0% processing with ARCA — High-ticket procedures = major savings per transaction
Also covers:DermatologyPodiatryENTAllergy & ImmunologyOB/GYNPain ManagementUrologyGastroenterologyCardiologyPulmonologyRheumatologyNephrologyOncology
Recommended: Mini at front desk · Compact for exam or procedure room
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Behavioral Health

Behavioral Health

Session copays, recurring billing, and discreet checkout

Discreet copay collection, recurring session billing for cash-pay clients, and card-on-file for no-show fees. Built for the sensitivity this space requires.

  • Discreet checkout — Quiet, fast copay processing in a private setting
  • Recurring session billing — Weekly or biweekly charges for cash-pay patients
  • Card on file — Stored cards for no-show fees and late cancellations
  • Sliding scale support — Different rates by patient with easy selection
  • HSA/FSA acceptance — Process health spending cards for therapy sessions
  • 0% processing with ARCA — Save on every session across your caseload
Also covers:Therapy & CounselingPsychiatryAddiction & RecoveryABA TherapyGroup Practice
Recommended: Compact at reception · Mini for group practices with front desk
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Urgent Care & Walk-in Clinic

Urgent Care & Walk-in Clinic

Walk-in copays, high volume, and fast checkout

High walk-in volume with varying copays, self-pay patients, and insurance complexity. Speed at the front desk is everything.

  • High-volume copay processing — Handle 50+ patients/day with fast tap checkout
  • Self-pay pricing — Flat-rate visit fees for uninsured patients
  • Multi-location reporting — Revenue by location, provider, and visit type
  • Patient balance collection — Collect outstanding balances at check-in
  • HSA/FSA acceptance — Accept all health spending cards
  • 0% processing with ARCA — High volume = massive cumulative savings
Also covers:Urgent CareWalk-in ClinicAfter-Hours ClinicOccupational HealthTravel Health Clinic
Recommended: Mini at each check-in station · Compact for triage
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Social proof

Trusted by practices across healthcare

★★★★★

"We process 80+ copays a day and the Mini handles it effortlessly. HSA cards work every time. Setup took less than an hour with ARCA."

S
Dr. Sarah L.
Family Practice · Orlando, FL
★★★★★

"Our med spa does $3K–$8K treatment packages. The 0% processing alone saves us over $2,000 a month. Patients love the tap-to-pay."

M
Maria K.
Med Spa Owner · Tampa, FL
★★★★★

"Switching from our old terminal was painless. The Compact sits right in each operatory — patients tap and go. Front desk loves it."

J
Dr. James P.
Dental Practice · Jacksonville, FL
Healthcare SaaS hardware

Three devices. Every use case covered.

The Healthcare SaaS plan runs on Mini, Flex, and Compact — pick the combination that fits your practice.

Clover Flex

Flex

Exam room · Mobile

Handheld with built-in printer and NFC. Bring payments to the patient.

  • Exam room checkout
  • Treatment area payments
  • Home health visits
  • Multi-location portability
Clover Compact

Compact

Quick tap · Ultra-portable

Wireless tap-to-pay for fast copay collection at any station.

  • Quick copay tap
  • Secondary checkout station
  • Operatory / chair-side pay
  • Lowest-cost entry point

Not sure which setup your practice needs?

Tell us your patient volume and workflow — we'll recommend the right device mix. No obligation.

Build my setup
Coming Summer 2026

Clover PracticePay

A deeper healthcare payments platform is on the way — purpose-built for medical billing, patient financing, and insurance coordination. ARCA will be a launch partner.

Get started on the Healthcare SaaS plan today and upgrade seamlessly when PracticePay launches.

What to expect from PracticePay

  • Patient payment plans — Built-in financing and installment billing
  • Insurance coordination — Streamlined copay and balance-after-insurance workflows
  • Patient statements — Automated billing statements with online pay links
  • Practice management integrations — Connect with your existing PM/EHR systems
  • Enhanced reporting — Revenue cycle metrics built for healthcare
Get started now — upgrade free later →
Platform features

Everything your practice needs today

Every card type

Tap, chip, swipe, HSA, FSA, HRA, Apple & Google Pay

PCI-DSS compliant

End-to-end encryption on every transaction

Patient profiles

Card on file, visit history, and billing records

0% processing

ARCA dual pricing — fully compliant

Digital receipts

Email and text receipts for patient records

Practice reporting

Revenue by provider, location, and service type

Offline mode

Keep collecting copays if Wi-Fi drops

App marketplace

QuickBooks, scheduling, and practice tools

Ready to modernize your practice's payments?

ARCA sets up your Clover Healthcare SaaS, handles processing, and provides ongoing support — so you can focus on patients.

Get started with ARCA