You're probably paying too much to process payments. We'll prove it — free, in 72 hours.

Send us your latest processing statement. We'll show you exactly where you're overpaying — and guarantee savings or pay you $250. No pitch. No pressure

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Call Today: 973.200.2763

Collect More

Reduce patient payment friction with text-to-pay, stored cards, and automated reminders. Collect more, chase less.

Faster Cash Flow

Same-day and next-day funding available. Your money in hand faster — without changing how you care for patients.

Patient-Friendly

Patients pay in seconds from any device — no login, no confusion. Better experience, fewer calls to your front desk.

Get Your Free Payment Analysis

More Than Payments: A Smarter Way to Power Your Practice

20+ Years

For over two decades, we’ve walked alongside healthcare providers, solving complex payment challenges. We’re more than a processor—we’re your partner in building financial strength while protecting your patients’ trust.

Friendly Tools

Seamlessly connect with your EHR or practice management system—we integrate with multiple platforms, including QuickBooks. No software? No problem. From front-desk collections to online billing and flexible payment plans, we give you patient-friendly tools that keep care accessible and stress-free.

Guaranteed Savings

Every dollar counts in healthcare. Share your latest processing statement, and we’ll provide a transparent analysis. If we can’t reduce your costs, we’ll pay you $250 guaranteed*. Real savings, no guesswork.

— Send Your Statement Now!

One Platform Does It All

Bring payments, banking, payroll, and working capital into one simple hub. Our all-in-one platform reduces administrative strain, supports compliance, and keeps your practice running smoothly behind the scenes.

Secure PCI Compliance

Your patients trust you with their most sensitive information. Our systems deliver built-in PCI protection and support HIPAA-aligned data practices, reducing risk and keeping your practice fully compliant—without adding complexity.

Expert U.S. Based Support

No chatbots, no endless holds—just real support from people who understand the healthcare industry. Our U.S.-based specialists provide white-glove service tailored to the pace and pressures of medical practices.

Accelerate Payments

Faster payments mean healthier cash flow. Enable same-day funding and automated billing workflows to simplify accounts payable and reduce patient billing delays—so you can focus on care, not collections.

Smarter Working Capital

Access funds when you need them most. Whether it’s covering payroll, upgrading equipment, or managing seasonal expenses, our flexible financing solutions strengthen your practice's financial foundation.

Earn on Your Idle Cash

Don’t let practice funds sit dormant. Our solutions convert idle balances into meaningful returns, helping you reinvest in your staff, patients, and long-term growth.

Ray McGrogan and Steve Kleinberg — Co-founders of CardChoice, Steven Kleinberg and Ray McGrogan

Broad payment solutions for all industries, specialized strategies for healthcare providers.

About Us

Trusted Advisors to Healthcare Professionals

For over 20 years, CardChoice International has been a trusted partner to medical practices nationwide. Founded in 2004 by Ray McGrogan, CEO, and Steven Kleinberg, COO, our mission is to help providers succeed through smarter, patient-friendly payment solutions.

Active in the Medical Community

We don’t just provide technology—we share knowledge. Our team has spoken at national and regional healthcare conferences and contributed articles for leading organizations including AMBA, PMI, NJAOP, Telehealth.org, NAMAS, APTANJ, and the NYSSCPA. This direct involvement keeps us connected to the daily realities of healthcare practices and ensures our solutions address the challenges you face.

Seamless Technology Partnerships

CardChoice also collaborates with leading healthcare software providers, integrating payments directly into EHR and practice management platforms. These partnerships create a seamless, secure experience for both practices and patients, helping providers save time, stay compliant, and strengthen revenue.

Built on Values That Matter

Every solution we deliver is grounded in our core values: Transparency, Accountability, and Results. They are the foundation of our business—and the standard we bring to yours.

One Partner, Many Solutions: Banking, Payments, Payroll and Beyond
Consolidate your back-office systems with a single trusted partner.

Banking That Works as Hard as Your Practice

Managing a medical practice means more than patient care—it’s also billing, payroll, supplies, and compliance. With our Passport Banking, you gain faster access to funds and smarter financial tools designed to support your business.

WHAT PASSPORT INCLUDES

Passport is a Banking solution that helps businesses of all sizes accelerate cash flow, streamline transaction reconciliation and optimize working capital. With Passport, you receive access to:

Pass Through FDIC Insured Account: FDIC pass-through insured — funds protected up to applicable limits.

Debit Card: Corporate debit cards for you and your employees.

Vendor Payments: Online bill pay and recurring electronic payments.

Savings & Investments: A variety of interest-bearing accounts, including savings, money market, treasury, and short-term investment options.

Collect-store-send options for recurring payments, ACH, book, check, direct deposit, virtual cards, and more.

Faster Funding: Get cash in hand faster after accepting payments from customers.

Learn More About Our Full Commerce Banking Solutions

Eliminate Credit Card Fees

Credit card processing fees can eat away at your margins. Our compliant surcharge and cash discount programs help you save thousands each year without raising rates on your patients.

Note: Surcharging regulations vary by state and payer type. We handle all compliance requirements and advise on what's appropriate for your specific practice.

Surcharging: Add a small fee to credit card payments to cover the processing cost. (Debit cards remain unaffected.)

Cash Discounting: Offer a lower price to customers who pay with cash or check, while slightly increasing the standard price for card users.

Fully Compliant: We handle all legal and card-brand requirements, ensuring you stay protected and professional.

Transparent Setup: We provide clear signage and billing practices that keep customers informed and satisfied.

Real Savings: Medical practices typically save thousands per year in fees.

These programs are ideal for copay collection, recurring patient billing, and front-desk payments — a simple, automated way to protect your margins.

Learn More About Zero Cost Credit Card Acceptance

A Complete Payment Platform That Works Outside Your EMR

Streamline Billing & Payments in One Platform

From copays and treatment plans to telehealth and recurring billing, our MX Merchant platform—enhanced with our PayRight solution—simplifies your payment ecosystem and empowers patients with self-service options. This is a perfect solution to run outside your EMR or PMS.

KEY FEATURES

Virtual terminal & mobile app with print, email, or text receipts
Secure patient account vault for recurring billing
ACH, credit card, and reporting with analytics
CRM for patient communication, follow-up, and online payments

ACCESS TO VALUABLE ADD-ON APPS

Invoice & Recurring Billing
Accept ACH (electronic checks)
Surcharging & More!

Request a Virtual Payments Demo

Pay Suppliers by Credit Card, even when they don’t accept credit cards.

Boost your practice’s buying power and unlock new efficiencies by paying labs, suppliers, and landlords with credit cards—even when they normally don’t accept them.

Maximize rewards: Earn points, miles, or cash back on bills like rent, utilities, and taxes.

Boost buying power: Boost Buying Power: Flexible payments & bulk discounts

Fuel growth: Free up cash for investments

Cut costs: Use vendor early pay discounts

Digital payables: Eliminate paper checks and manual invoice processing.

Request a Plastiq Demo

Payroll Made Simple - Better Payroll, Lower Costs

Spend more time growing your practice and less time managing payroll. With our Payroll solutions, you can automate complex tasks, ensure accurate and on-time payments, and stay compliant—without the stress.

Automated Payroll:Handle direct deposits, pay schedules, and deductions — automatically, accurately, on time.

Worry-Free Compliance: Built-in tax calculations, withholdings, and filings to meet federal, state, and local requirements.

Easy Onboarding: Quick, intuitive setup with guided steps and seamless data imports.

Integrated Solutions: Connect with your other Priority products for a unified back-office experience.

Expert Support: Access real people who understand your business and can help you every step of the way.

Request a Payroll Demo

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Free Statement Analysis — Your Savings Report in 72 Hours

Upload your latest statement below. We'll send your complete savings analysis within 72 hours — no obligation, no sales call unless you want one.

Next Steps:

Upload your latest monthly merchant processing statement.
Our team will carefully review your statement and reach out with your potential savings within 72 hours.

Need to Reach Us? Feel free to use this form for general inquiries as well or Call Ray McGrogan at 973.200.2763.

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*Our Guarantee:

If your business processes over $10,000 per month through a standard, non-integrated U.S.-based merchant account, we invite you to submit three consecutive months of processing statements for a complimentary savings analysis. If we can’t demonstrate measurable savings, CardChoice will pay you $250. No pressure. No commitment. Just a real opportunity to save—or get paid for your time.

CardChoice Merchant Services LLC (DBA CardChoice International) is a registered ISO of Citizens Bank, N.A., Providence, RI.