Credit card processing advocacy for veterinary practices
Wellness exams, vaccinations, emergency care, prescription refills, and pet food all help you care for animals. Accepting card payments for that care comes at a cost. We review those fees and, with your permission, negotiate with your current processor so your veterinary clinic can keep more. No sales call required.
Free written analysis. No obligation. No sales call.
We understand the practice behind the payments
Between caring for pets, discussing treatment estimates with their families, filling prescriptions, and managing a busy reception desk, reviewing every processing charge is another job your veterinary team does not need. That is where SPA comes in.
A wellness visit, diagnostic work, a prescription, or a bag of therapeutic food can each lead to a card payment. We review the processing costs attached to that activity, not your clinical decisions or treatment prices.
A payment at reception, a payment link, and a card kept on file may carry different costs. We look at the pricing that applies to the ways your practice actually collects payment.
Your team should not have to learn a new payment system to find out whether your fees are fair. Our first step is reviewing the merchant account you already have.
Client financing, direct insurance payments, and ordinary card payments may follow different paths. We separate those costs so any savings assessment reflects your actual processing, not a misleading percentage of total revenue.
Experience in your corner
Our founder’s background includes helping veterinary clinics and pet retailers manage the cost of supplies, medications, and products for their shelves, along with 20 years in credit card processing. We care about the people who care for animals. Our role is to help protect your practice’s margin by questioning payment costs, not your treatment decisions or the care you provide.
Get to know Sica Payment AdvisorsThe work is ours. The decision is yours.
We do more than explain the fees. We take the next step with your processor when there is an opportunity worth pursuing.
Send one recent merchant statement. We review your practice’s pricing and return clear written findings within two business days of a complete, readable submission.
If there is a worthwhile opportunity and you authorize us in writing, we take the pricing conversation to your current processor. Your clinical team keeps doing its work.
Under the agreed monitoring terms, we check future statements against the negotiated pricing and flag increases or new charges that could reduce the benefit.
Already getting a fair deal? We will tell you. An honest answer is a useful outcome, too.
Before you send a statement
Our service starts with your existing processor and payment setup. We pursue improvements to that arrangement, not a software replacement. If an integration or agreement limits what can be changed, we explain that before you decide anything.
No. The initial review can begin with a statement, and you can receive the findings by email or text. Before any negotiation, the practice owner or an authorized decision-maker must approve our engagement. Your processor may have its own steps to recognize that authorization.
Those payments can involve different providers and fees. We distinguish ordinary card-processing charges from financing and other payment costs rather than treating every dollar of practice revenue as card volume.
No. Send the monthly merchant processing statement, not pet medical records, client lists, or transaction-level exports. Redact full card numbers, unnecessary bank details, and other sensitive information. Never send passwords or login credentials.
We will say so. The review is free. If we do not save you money, you pay nothing. If you choose to engage SPA, our small fee comes from verified savings under your client agreement.
Free credit card processing review
A monthly merchant processing statement is enough to start. No pet medical records, client lists, or practice software access are needed for the initial review.
Initial written findings within two business days of a complete, readable submission. Choose email, text, or a scheduled call.
If the form takes a moment to load, open the secure form directly.
