Offering 12-to-24 month 0%-APR patient financing through CareCredit, Cherry, or Sunbit boosts high-ticket treatment acceptance, but merchant discount rates (MDR) silently strip 5.9% to 14.9% off your gross procedure fee upfront. Model your exact net practice margin across third-party promotional tiers, case acceptance lift, and in-house auto-debit default risk.
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=C2*(1-E2)-D2 vs =C2*(1-(1-F2)*G2-0.025)-D2⚠️ Why Manual Formulas Fail at Scale: Manual spreadsheets ignore credit card cannibalization and fail to check whether the upfront deposit covers 100% of direct lab/consumable COGS.
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When a patient picks a 12-to-24 month 0%-APR plan on CareCredit, Cherry, or Proceed, the lender deducts 9.9% to 14.9% directly from your clinic's payout upfront.
Requiring a 35% upfront deposit on a $4,800 clear aligner or implant case collects $1,680 immediately—covering 100% of your lab bill before financing the balance.
Putting a patient who would have paid via Visa or HSA (2.4% fee) onto a 12-month promo plan (10.9% MDR) destroys $408 of pure chair profit on a $4,800 treatment.
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Paste your implant, ortho, or MedSpa package fees, direct lab/consumable costs, and CareCredit/Cherry promotional MDR tiers (5.9%–14.9%).
Adjust the in-house down payment percentage (25%–50%) to verify 100% Day-1 lab cost coverage and compare net profit after expected defaults.
Download a clean checkout waterfall matrix showing treatment coordinators exactly when to offer 6-month promo, 35%-down in-house, or 24-month closer plans.
See why merchants and prosumers switch from monthly subscriptions to our local buyout.
| Feature / Metric | 🛡️ PatientFiMD Studio | ☁️ Cloud SaaS (CareCredit) |
|---|---|---|
| Pricing Model | 🛡️ $19 One-Time Buyout (0% Per-Case Cut) | ☁️ 5.9%–14.9% Per Financed Case + $149/mo |
| Promotional 6/12/24-Mo MDR vs. Card Audit | 🛡️ Instant 5.9%–14.9% MDR & Cannibalization Math | ☁️ Buried in Monthly Merchant Settlement PDFs |
| 35%-Down In-House vs. Lender Default Solver | 🛡️ Exact Default Tolerance & Lab Coverage Floor | ☁️ Pushes 100% Third-Party Lender Enrollment |
| Dental Lab & Injectable Hard-Cost Guard | 🛡️ Deducts Lab, Implant & Syringe COGS First | ☁️ Reports Gross Financed Production Only |
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When a patient chooses a 6-to-24 month 0%-APR promotional plan, the lender does not waive interest—they deduct an upfront Merchant Discount Rate (MDR) of 5.9% to 14.9% directly from the clinic's payout. On a $5,000 implant or aligner case with an 11.9% promo fee, $595 disappears before you pay your dental lab.
Whenever treatment coordinators offer 12- or 24-month promotional plans by default to patients who would have paid via regular credit card (2.4% swipe fee) or HSA/FSA. That card cannibalization costs an extra 8% to 12% of gross production without adding incremental case volume.
By requiring a 30% to 35% upfront deposit that covers 100% of your hard dental lab, aligner, or injectable consumable costs on Day 1, and auto-debiting the remaining 65% over 4 to 6 months. Even with a 6% default rate on the remaining balance (~3.9% effective loss + 2.5% card fee), the practice keeps 4.5% to 8% more net margin than paying a 10.9%–14.9% lender MDR.
Divide the lender's net MDR premium (Lender MDR minus 2.5% standard card processing) by the financed balance share (1 minus Down Payment %). At a 10.9% lender MDR and 35% down payment, your clinic breaks even up to a 12.9% installment default rate.
Present options in strict margin order: 1) Pay-in-full with a 3% bookkeeping courtesy, 2) 6-month split-pay (capped at 5.9% MDR), 3) 35%-down in-house auto-debit for mid-tier cases where the deposit covers lab COGS, and 4) 12–24 month third-party financing strictly as a final closer.
Never. All MDR calculations, lab coverage checks, and CSV exports execute 100% locally in your browser RAM with zero network egress.