Raleigh, NC · Standard risk
Credit card processing for Raleigh dental practices
Large tickets, treatment payment plans and health data adjacency make compliance the expensive variable, not rate. Here is how that plays out for a dental practice operating in North Carolina.
North Carolina · zero-cost position
Surcharging generally permitted
Our reading as of August 2026. Verified per engagement — not relied on from a web page.
Credit-card surcharging is generally reported as permitted in this state, subject to the card-brand rules: the surcharge may not exceed your actual cost of acceptance, it may never be applied to debit or prepaid cards, and it must be disclosed at the point of entry and again at the point of sale. A cash-discount program is also available if you prefer that framing.
North Carolina permits surcharging. The Research Triangle's professional-services base generates substantial commercial card volume, where Level 2 data is the fastest available saving.
What Raleigh means for a dental practice
A research and professional-services economy with rapid residential growth, producing both commercial card volume and heavy trades demand.
Dental combines large tickets with in-house payment plans, and the plans are usually run on a spreadsheet plus a stored card. That is card-on-file at scale without the controls. Large tickets also mean commercial and HSA/FSA card handling, where missing Level 2 data costs real money on every transaction.
Where Raleigh dental practices lose basis points
- Missing Level 2 data on commercial and HSA/FSA cards
- Payment-plan installments processed as unrelated keyed transactions
- Treatment deposits keyed without address verification
How we would structure it
- Level 2 data capture configured so large tickets qualify correctly
- Tokenized payment plans with dunning, keeping card data out of practice systems
- PCI scope reduction so the practice is not storing what it does not need to
- Surcharge structured for large-ticket, low-frequency billing
- Zero-cost structured as a surcharge or cash discount program for North Carolina, with the disclosure and receipt language installed as part of the work
Built in Chicago
EY Loma Solutions is a Chicago practice, and every piece of software we ship is designed and built here. When we build a dental practice a custom CRM with payments inside it, that work is done by our own people in Chicago — not offshored and not white-labeled from somebody else's platform.
How our CRM builds workQuestions
Raleigh dental practices, answered
Can Raleigh dental practices legally run 0% cost processing?
North Carolina permits surcharging. The Research Triangle's professional-services base generates substantial commercial card volume, where Level 2 data is the fastest available saving. For a dental practice specifically, we would structure this as a surcharge or cash discount program sized against a $180–$4,500 average ticket. As of August 2026 that is our reading of the North Carolina position, and we re-verify it as part of every engagement rather than relying on a page like this one.
What should a Raleigh dental practice be paying to process cards?
The only number worth comparing is your effective rate: total fees divided by total volume processed. For dental practices with a $180–$4,500 ticket and a card mix that is card-present and card-not-present with payment plans, the cost drivers are specific — missing level 2 data on commercial and hsa/fsa cards is the most common one we find. We derive your effective rate from three statements at no cost.
Do you have Raleigh references, or are you remote?
We are a Chicago practice and we work with merchants across the United States, Raleigh included. Every engagement runs the same way regardless of geography — statements in, arithmetic out, in writing. A research and professional-services economy with rapid residential growth, producing both commercial card volume and heavy trades demand.
Is dental practice in North Carolina hard to get approved?
No. Dental practices are standard risk in North Carolina, so you should be looking at a competitive market of acquirers. If you have been quoted high-risk pricing for a standard-risk category, that is worth questioning.
Do you build custom CRM software for Raleigh businesses?
Yes — all of our software is designed and built in Chicago. Sometimes. Treatment-plan financing and recall workflows are frequently the gap between practice-management software and how the office actually runs. Builds are delivered with source code and full data export, with card, ACH and recurring billing embedded in the workflow.
Raleigh dental practices: find out what you are actually paying.
A statement review costs you nothing and takes us under an hour. Surcharging generally permitted in North Carolina.