Payment Processing Built For Medical Spas & Aesthetic Practices

There's no single number. Your cost depends on your card mix, average ticket size, and monthly volume across one-time treatments, packages, and memberships. With Interchange-Plus pricing, the network's cost is broken out separately from Argent's pricing, and everything is disclosed in writing before you sign.

It should be. A medical practice bills insurance and runs mostly smaller, predictable co-pay charges; a med spa runs high-ticket, elective, self-pay transactions. Argent underwrites and prices med spa accounts based on that actual transaction profile, not a generic healthcare template.

Often, yes. Send us a recent statement and we'll calculate your effective rate — total fees divided by total processing volume — and compare it against the actual interchange schedule for your card mix. If Argent can offer meaningfully better pricing, we'll show you the math side by side.

No. Argent is month-to-month, with no long-term contract and no early termination fee.

Common ones include PCI non-compliance fees, monthly minimum fees, batch fees, statement or paper fees, and annual PCI assessment fees. Argent reviews statements line by line so you know exactly what you're paying for and whether it's negotiable.

Argent supports a large variety of scheduling and practice-management platforms. Processing and your scheduling software are two separate decisions — your booking system and client records don't have to change just because your payment processor does.

Often, yes — many front-desk terminals can be reprogrammed to run on Argent's processing instead of being replaced outright. Send us your current equipment and we'll confirm compatibility before you commit to anything.

Yes, for the terminals your payments actually run through, leasing is available through Argent's equipment partner, separate from Argent's own processing agreement.

Argent coordinates a replacement or repair through its equipment partner so you're not stuck without a way to check clients out.

The goal is zero disruption to checkout. Most practices keep their existing scheduling software and either reprogram current equipment or swap in a compatible terminal, with account setup and cutover scheduled for a low-traffic window.

Yes — a securely stored card on file lets membership dues and treatment-package renewals run automatically instead of your front desk manually re-collecting payment information every cycle.

Without an account updater, an expired or reissued card simply fails at the next billing date, which means a missed payment and a manual follow-up. An automatic card updater can refresh many of those cards before they fail.

Argent can support deposit-and-balance structures on larger packages; for formal financing (installment loans through a third-party lender), we'll help you understand how that layers alongside your card processing rather than replacing it.

Yes — contactless and mobile wallet payments are supported on modern terminals as standard, not as an add-on or upcharge.

Yes — multi-provider and multi-location practices get consolidated reporting across every location under one merchant relationship.

Not when your account is underwritten correctly from the start. We set up med spa accounts expecting elective, high-ticket transactions, rather than flagging them as unusual the way a generic small-retail profile would.

Most practices are live within about a week of the first call, though the exact timeline depends on your current equipment, scheduling software, and underwriting. We'll give you a specific timeline once we know your setup.

Your funding timeline is set to match your business and volume, and disclosed upfront before you sign, since funding speed depends on processing history, risk category, and banking relationship.

A chargeback happens when a cardholder disputes a transaction directly with their bank rather than with you — funds are pulled back automatically during investigation. Every Argent transaction is screened with AVS, CVV matching, and tokenization before settlement, and clear consent documentation for elective treatments helps you fight disputes when they come in.

PCI DSS is the security standard every business that accepts cards has to follow, covering how card data is transmitted, stored, and protected. Every Argent setup is PCI DSS compliant, with encryption and fraud monitoring built into the processing, and we walk you through the annual self-assessment questionnaire.

None. The rate review call is a statement comparison and a conversation, not a sales pitch. If we can't do meaningfully better for your business than what you're paying now, we'll say so directly.

You can still get a statement review and rate comparison now, even if you're not ready to switch immediately — that way you know exactly what a change would save once your current agreement allows it.