Hartford, CT · Standard risk
Credit card processing for Hartford medical practices
Patient-responsibility balances collected after adjudication, where card-on-file and Level 2 data decide your real cost. Here is how that plays out for a medical practice operating in Connecticut.
Connecticut · zero-cost position
Surcharging restricted — cash discount instead
Our reading as of August 2026. Verified per engagement — not relied on from a web page.
This state is generally reported as restricting or prohibiting credit-card surcharging. That does not mean you are stuck with the cost: a properly structured cash-discount program posts a single price with a discount for cash and carries a different set of obligations. We build the cash-discount route here rather than a surcharge.
Connecticut prohibits credit-card surcharging under a clear and long-standing statute, and it is among the most explicit prohibitions in the country. Anyone selling a Connecticut merchant a surcharge program is either mistaken or not reading the statute.
What Hartford means for a medical practice
Connecticut has one of the country's clearest statutory surcharge prohibitions. Hartford merchants are served by cash discount or a straight interchange-plus restructure — anyone selling you a surcharge program here is worth questioning.
Practices increasingly collect a patient balance weeks after the visit, which means storing a card and billing it later. That is card-on-file, and doing it inside practice-management software puts the practice in PCI scope unnecessarily. HSA and FSA cards plus commercial plans make Level 2 data capture material on every larger balance.
Where Hartford medical practices lose basis points
- Level 2 data absent on commercial and benefit cards
- Post-adjudication balances keyed without verification data
- Payment plans running without correct recurring indicators
How we would structure it
- Tokenized card-on-file for post-visit balance collection
- Level 2 data configured for commercial and benefit cards
- PCI scope reduction so card data never lands in practice systems
- Payment plans with dunning that does not require staff chasing
- Zero-cost structured as a cash discount program for Connecticut, 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 medical 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
Hartford medical practices, answered
Can Hartford medical practices legally run 0% cost processing?
Connecticut prohibits credit-card surcharging under a clear and long-standing statute, and it is among the most explicit prohibitions in the country. Anyone selling a Connecticut merchant a surcharge program is either mistaken or not reading the statute. For a medical practice specifically, we would structure this as a cash discount program sized against a $95–$3,200 average ticket. As of August 2026 that is our reading of the Connecticut position, and we re-verify it as part of every engagement rather than relying on a page like this one.
What should a Hartford medical practice be paying to process cards?
The only number worth comparing is your effective rate: total fees divided by total volume processed. For medical practices with a $95–$3,200 ticket and a card mix that is patient responsibility balances, hsa/fsa and payment plans, the cost drivers are specific — level 2 data absent on commercial and benefit cards is the most common one we find. We derive your effective rate from three statements at no cost.
Do you have Hartford references, or are you remote?
We are a Chicago practice and we work with merchants across the United States, Hartford included. Every engagement runs the same way regardless of geography — statements in, arithmetic out, in writing. Connecticut has one of the country's clearest statutory surcharge prohibitions. Hartford merchants are served by cash discount or a straight interchange-plus restructure — anyone selling you a surcharge program here is worth questioning.
Is medical practice in Connecticut hard to get approved?
No. Medical practices are standard risk in Connecticut, 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 Hartford businesses?
Yes — all of our software is designed and built in Chicago. Sometimes, though this vertical is usually better served by tightening the payment layer around existing practice-management software. Builds are delivered with source code and full data export, with card, ACH and recurring billing embedded in the workflow.
Hartford medical practices: find out what you are actually paying.
A statement review costs you nothing and takes us under an hour. Surcharging restricted — cash discount instead in Connecticut.