Let’s be honest: most dental practices don’t think about their payment processing until something feels… off.

Maybe a monthly statement looks different than expected. Maybe your daily deposits aren’t quite matching up, or the fees feel like a moving target. Suddenly, something that should be simple becomes just another mystery you have to solve at the end of a long day. The reality is that understanding your payment processing statement shouldn’t require complex formulas, a magnifying glass, or a lengthy call to support. It should give you a clear, consistent view of exactly what’s happening in your practice.

Fees Hard to Distinguish? Demand Absolute Transparency Clear reporting starts with absolute transparency. It isn’t just about knowing your base rates it’s about how those costs actually show up on your monthly statements.
With a transparent Interchange Plus pricing model, your statement should plainly break down:

• The actual cost of each specific card type
• The fixed markup applied by your processor
• Any recurring monthly fees

The Best Card Advantage: We offer all our members Interchange Plus pricing 0.30%, locked in for the life of your account. If you are currently paying more than that, it’s time to shop around. Without this level of visibility, it is nearly impossible to track your savings or know exactly where your hard-earned revenue is going. 

Visibility: Knowing what’s happening, the moment it happens Your reporting shouldn’t live in one system, your deposits in another, and your online payments somewhere else entirely. True visibility means everything connects bringing streamlined systems to your dental billing workflow. You should be able to track transactions seamlessly across every channel in one unified place

The BCPay Advantage: Instead of creating another confusing layer for your team to manage, BCPay brings all of this in under one roof. When visibility is this clear, your staff spends less time digging for answers in fragmented software and more time taking care of patients. 

• In-Office Terminals: Swiped, dipped, or tapped patient payments at checkout.
• Online Payments & Text-to-Pay: Convenient remote billing options including a secure card on file vault, that patients prefer.
• Streamlined Dental Billing: View exactly when payments are made, & batched, giving you an accurate daily total without having to reconcile three different systems.

Predictability: Ending the End-of-Month Surprises
One of the most overlooked parts of payment processing is predictability. It’s not just about knowing what already happened, it’s about knowing exactly what to expect tomorrow. Clear pricing helps you recognize patterns in your processing costs, and understand how different payment types impact your bottom line. When your system is truly predictable, your reporting becomes a tool you trust.

The Reality of Rate Creep
Unpredictable rate increases are incredibly common in the processing industry. Many credit card processors use aggressive “teaser rates” to get you in the door:

• The Bait-and-Switch: They offer a great deal at first, only to quietly raise your rates in a couple of months without you even realizing it.
• The Hidden Margin: Because these hikes are buried deep inside complex monthly statements, most practices don’t notice they are paying more until the damage to their revenue is already done.

For Example: To find your effective rate, simply divide the total amount paid in ALL fees by the total amount that you ran in credit card sales. 

If last month your total bill was $355.00 and you ran $10,000 in payments, then your effective rate would be 3.55%.

The 2.5% Rule: If your total processing costs average out to more than 2.5%, you can do much better. True predictability means having a stable, fair rate that stays locked in eliminating end of month surprises for good. 

How it all comes together Transparency, visibility, and predictability aren’t just industry buzzwords. They are the foundation of how we approach processing here at Best Card. When your pricing is built the right way, your statements match your expectations, your deposits make sense, and your team knows exactly where to look.

A simple gut check for your practice Take a look at your current setup. Can you easily explain your processing statement without calling support? Do your deposits consistently match what you expect? Can your team quickly confirm payments across all channels? Do you feel confident in your monthly costs?

If the answer to any of those is “no” or “I’m not sure,” it might be time for a closer look.

Best Card was originally created as a member benefit program for the Colorado Dental Association. In a murky industry filled with hidden fees, we love delivering clarity and transparency to the practices we serve.

Get Your No-Obligation Statement Review
Ready to see how your current rates stack up? Find out exactly what you’re paying and where you can save:

• Email your recent statement: compare@bestcardteam.com
• Call our team directly: 877-739-3592

Get a quick, honest analysis with no strings attached.