ChiroTouch Credit Card Processing Costs Compared (2026)

ChiroTouch is an all-in-one chiropractor practice management solution that includes everything from EHR to patient billing, insurance verification, claims management, appointment scheduling, and more. 

Integrated payment processing comes with every plan. 

But this isn’t just another feature offered by ChiroTouch. Of all the capabilities this tool offers, credit card processing is probably the most complex and misunderstood. 

How ChiroTouch Integrated Payment Processing Works

Despite being listed alongside other practice management tools, ChiroTouch doesn’t actually handle credit card payments. And while they do have their own branded payment solution (CT Payments), ChiroTouch is not a payment processor. 

ChiroTouch is just the software provider.

If you decide to enable integrated payments on their platform (which is optional), then your transactions get handled through a third-party processor on the back end.

All ChiroTouch does is support the integration through an API. The backend processor handles the merchant acquiring and all of the infrastructure required to accept credit and debit cards.

The benefit of setting up this integration is mostly operational convenience. Once enabled, it reduces the need to reconcile payments manually. Transactions can automatically get posted to patient profiles, and it’s a lot cleaner for both your front desk and your accounting team.

But there’s an added cost to integrated processing that many ChiroTouch practices overlook when setting this up. 

Using ChiroTouch With Your Current Processor

For chiropractors who already have a merchant account or payment processor, your current provider may not integrate with ChiroTouch.

This is unfortunate. Because the few providers that ChiroTouch does support are expensive.

If you fall into this category, you need to make a decision on whether the increased cost associated with integrated processing is worth switching providers. For most practices, it’s not.

You’re almost always better off keeping your existing provider if you want lower rates. And honestly, this is a really good negotiation lever to pull during negotiations. 

Tell your processor that you’re disappointed they don’t integrate with ChiroTouch, and you’re considering switching providers (even if you’re not). Then ask if there’s anything they can do about your rate to keep your business. 

If you need help with these negotiations, just reach out to our team here at MCC for a free consultation. We’ll audit your statements for free, identify savings opportunities, and let you know if it’s really cheaper to keep your current provider (it usually is).

Integrated Payment Processing for ChiroTouch

Integrated payments come standard with every ChiroTouch subscription. So there’s no added software costs to enable it. 

But the software fees charged by ChiroTouch don’t cover your processing costs. 

All processing-related merchant fees come from your processor, which is managed through a separate merchant agreement outside of your ChiroTouch plan. So you still have to pay:

• Interchange fees charged by Visa, Mastercard, Amex, Discover
• Assessment fees to the card networks
• Per-transaction markups to your processor
• Authorization fees

And that’s just the minimum.

You’ll also be hit with additional one-off fees for certain transactions or percentage-based fees for a portion of your volume. It all depends on your card mix, how you accept payments, and which integrated provider you’re using.

There are essentially just four processors that integrate with ChiroTouch for credit card processing:

• CT Payments
• Global Payments
• Bluefin
• SwervePay

Each one is very different, and I’ll explain each solution in greater detail below. 

CT Payments

CT Payments is a branded payment solution offered by ChiroTouch. 

It’s their way of trying to offer in-house payment processing without feeling like you’re being sent to a third-party provider. But that’s exactly what’s happening behind the scenes.

CT Payments is actually powered by OpenEdge. So even though it looks and feels like it belongs with the software, ChiroTouch isn’t actually doing anything on the processing side.

This arrangement is typically more expensive because ChiroTouch takes a cut from OpenEdge, and ChiroTouch is more incentivized to push practices toward this solution because it’s “theirs.” 

The good part about OpenEdge is that fees are negotiable, and they’re usually receptive to negotiations.

But OpenEdge is owned by Global Payments, and we consistently see all Global subsidiaries apply similar aggressive pricing tactics across their merchant portfolio. And an integrated setup like this just gives them even more of a reason to overcharge you.

So you need to be really vigilant if you’re using OpenEdge via CT Payments/ChiroTouch. Padded assessments, inflated rates, bogus fees, and even billing “errors” are all on the table. 

Global Payments

Global Payments also integrates with ChiroTouch.

This integration is slightly different from the CT Payments option because you’re going directly to Global instead of using ChiroTouch’s branded payment solution as the intermediary. 

But the end result is the same. Global Payments is the backend processor.

All of the same stuff from OpenEdge applies here, too. Your rates are going to be high unless you really do something about it. 

Despite being one of the largest processors on the planet, Global doesn’t use its size to offer competitive pricing as a standard setup. They do the opposite.

It’s up to you to identify if and where you’re being overcharged, and then contact Global directly to get those charges removed from your statements. 

Bluefin

Bluefin is a modern payment solution that’s really popular in the healthcare space. We often see it in the dental/orthodontics space, but we also have several chiropractor clients using it, too. 

Fortunately, Bluefin operates outside of Global’s umbrella. So it’s completely different from the previous two options. 

But Bluefin isn’t an acquirer. They’re a payment technology company that operates as an ISO, and they use Elavon as the backend processor.

There are pros and cons to this.

First, it’s great to have an option that’s not tied to Global/OpenEdge. This genuinely creates real competition between the providers which wouldn’t exist if only Global Payments brands worked with ChiroTouch.

The drawback here is that there are extra players involved, and each one wants to take a cut from you. Bluefin needs to price your rates accordingly to ensure that they still profit on the service they’re getting from Elavon. 

Bluefin’s standard pricing is high. It’s typically about 80 basis points over interchange, which is roughly double what I’d consider fair pricing for an integrated setup (about 4x more for compared to non-integrated pricing). 

SwervePay

SwervePay is the most unique of the four integrated payment options. 

It’s a legacy solution available through CT ProPay (both CT Pay and CT ProPay are now just CT Payments). While all of these products still exist, CT Payments is the only active payment solution that ChiroTouch is selling and marketing on its website. 

So most practices evaluating SwervePay are likely already set up.

SwervePay is owned by Finvi (formerly Ontario Systems). And that’s who operates as the backend processor. But similar to Bluefin, Finvi is just the payment technology provider and doesn’t offer acquiring services.

Which, again, means your rates need to be marked up even higher so everyone can take their cut. 

How These Options Impact Your Costs

ChiroTouch’s integrated payment processing is unique compared to other solutions in the sense that there’s no clear standout winner.

The cheapest method is going to be keeping your current processor instead of the integrated setup. There’s really no way around it. 

If you had to pick one of these options other than your existing provider, Bluefin is probably going to be the cheapest. Global definitely has the ability to give you the lowest rates of everyone on the list. I just don’t think they’re going to do it. 

Unless you’re already using OpenEdge, Global Payments, or Bluefin, there’s no reason to switch to either of these providers just for the sake of getting integrated processing with ChiroTouch. The added expenses are not worth it.

Global is the only direct acquirer on the list. But since they also power CT Payments via OpenEdge, they can keep all of the rates artificially inflated. So it’s not truly competitive.

Alternatively, you have to go through an ISO, which is also more expensive just by the setup.

Regardless of where you stand right now, either currently using ChiroTouch or considering its integrated payment solution, let our team here at MCC audit your merchant statements to ensure you’re getting a fair rate. We’ll help you save money on payment processing without changing anything.