ezyVet Integrated Credit Card Processing (2026)

ezyVet is a cloud-based practice management system that’s used by 4,000+ veterinary hospitals and 100k+ users in 18 countries worldwide. It’s a modern solution that’s continuously innovating new features to support primary care practices, speciality clinics, and emergency vets.

Like most vet practice management tools, ezyVet offers integrated payment processing so veterinarians and hospitals can accept credit cards and sync payment data directly within the software itself. 

But ezyVet is not a payment processor, which means you’ll need to rely on a third-party merchant service provider for this feature to work. And while ezyVet technically supports three different payment integrations, there’s only one option for US-based vets.

Key Takeaways

• ezyVet integrates with PayJunction, CareCredit, and Windcave.
• PayJunction is the only provider that supports all payment types in the US.
• CareCredit is a closed-loop financing solution that you can optionally offer patients, but it’s not a full-service credit card processor.
• Windcave does offer full-scale merchant services in the US, but ezyVet does not support this integration for customers in the United States. 
• Since PayJunction is the only option, pricing may not be as competitive unless you’re a firm negotiator. 

Quick Overview of ezyVet’s Payment Processing Integrations

It’s important to understand that ezyVet doesn’t have anything to do with the actual payment processing happening behind the scenes when one of your customers pays you via credit, debit, or ACH.

ezyVet is simply a software provider that supports third-party payment integrations through an API. The payments themselves, your contract, and merchant account are all handled directly by a merchant services provider.

There are only three providers with an API supported by ezyVet: 

• PayJunction
• CareCredit
• Windcave

Let’s take a closer look at each option.

PayJunction

PayJunction is the only end-to-end payment processor for ezyVet practices in the US. 

So if your veterinary hospital or vet practice is based in the United States, you’re essentially forced to use PayJunction if you want integrated processing within ezyVet.

PayJunction is a good processor, and they offer everything you need to succeed. But the lack of competition here doesn’t give them much of an incentive to offer competitive rates. They know they’re the only option, so they’re less likely to offer you discounts or rock-bottom pricing unless you push really hard for it (more on this later).

CareCredit

The ezyVet CareCredit integration is supported in the US, but CareCredit isn’t a complete payment processing solution. It’s just a way for you to offer customers financing for veterinary services through a third-party provider. 

This payment option and integration would be set up separately from your traditional payment processor (PayJunction). Or you could integrate CareCredit with ezyVet on its own, without having an integrated credit card processing. 

But CareCredit alone is not a solution for accepting any credit card or debit card from customers who aren’t looking for a financing option. 

Windcave

Windcave is a New Zealand-based provider that processes both in-person and online payments in 40+ countries. And while they do offer payment processing in the US, ezyVet only supports this integration in:

• Canada
• Australia
• New Zealand
• UK
• Ireland

I’d love to see ezyVet expand its integration support for Windcave in the US. Not necessarily because I have any strong feelings for Windcave, but simply to increase competition, which can drive down processing rates for veterinary practices. 

PayJunction Offers Multiple Pricing Options (But Only One is the Cheapest)

When you get started with PayJunction, one of the first components of your contract involves how they’re going to charge you for each transaction. 

We’ve seen three different models offered when reviewing statements for our clients:

• Flat-rate pricing
• Tiered pricing
• Interchange-plus

Interchange-plus is by far the best option for PayJunction, and it ends up being the cheapest. 

With IC+ contracts, you pay the wholesale rate set by the card networks (Visa, Mastercard, etc.), plus a small markup per transaction directly to PayJunction. It’s the most transparent, easiest to negotiate, and ends up offering the lowest overall effective rate on your processing volume.

Flat-rate pricing is the easiest to understand, and PayJunction sales reps often try to push this simplicity as a benefit when getting you to commit. We’ve seen statements where PayJunction charges 2.70% + $0.05 per transaction (which may seem cheaper than other flat-rate providers on the market). But there is so much margin built into this price that you could easily end up paying over 100 basis points over the respective interchange rates for those categories. 

Tiered pricing from ezyVet is arguably worse. In this model, your transactions are routed into three different buckets: qualified, mid-qualified, and non-qualified. The qualified rate is the cheapest, and that’s how they sell you on it. But the qualification method is arbitrary and set by PayJunction, which results in the majority of your transactions being charged the mid and non-qualified rates (ends up being higher than flat-rate).

How to Get the Best Possible Rates on Integrated Processing From ezyVet and PayJunction

Here at MCC, we have several clients using PayJunction which gives us first-hand experience reviewing their statements and negotiating rates.

You can apply the same tricks that we use to get yourself the best rate. Here’s where I recommend starting:

• Make sure you’re on an interchange-plus contract. 
• If you’re currently on a flat-rate or tiered model, you can ask PayJunction to change to IC+ at any time. 
• Don’t let them mark up your rates over 50 basis points. 
• High-volume vet practices can typically get even lower rates.
• Don’t contact ezyVet for anything related to your processing rates, go straight to PayJunction. 

While PayJunction does negotiate rates, they aren’t always as receptive as other processors on the market. So just be aware of this when you’re going into the conversations, that you could get shot down initially.

Don’t let that deter you. Keep at it, and keep escalating.

If they still won’t budge, you can always contact our team to help negotiate on your behalf. We’ll also audit your statements for free to determine if you’re getting a fair rate or if there’s room to save money. 

Another Alternative

ezyVet’s integrated credit card processing is 100% optional. So if you already have a merchant services provider (that’s not PayJunction), it’s typically not worth switching. It’s going to be much cheaper long-term to keep things separate and just negotiate with your current provider.

Your payment provider may also be able to create a custom integration with ezyVet. While this isn’t the same as ezyVet’s pre-built integrations, it still uses the ezyVet API and you can pull your payment data. 

ezyVet evaluates its custom integrations on a case-by-case basis. So there’s no guarantee your processor or business will be approved. But it’s definitely worth inquiring about. 

Potential Changes to Keep an Eye On

It’s worth noting that while PayJunction is the only true integrated processing option for ezyVet right now, that may not be the case forever. ezyVet is owned by IDEXX, which is important because IDEXX recently made changes to other vet practice software under its umbrella that directly impacted payment processing options. 

IDEXX Payments launched in 2025, and it replaced the integrated payment solution for Neo (another vet practice tool from IDEXX). 

There’s been no official word or release from IDEXX or ezyVet that hints at this being available for ezyVet users. But I’ve seen this type of scenario play out dozens of times with other integrated software.

Since IDEXX Payments comes directly from ezyVet’s parent company, it incentivizes everyone involved to make this happen. It’s more money for IDEXX, and the fact that IDEXX used its own branding for this option tells me they had the foresight to consider rolling this out across other solutions in its umbrella. 

If this does happen, I think it would be a good thing for ezyVet users. IDEXX Payments is powered by Fiserv, so it’s totally unaffiliated to PayJunction, and it would force both providers to offer more competitive rates. 

Final Thoughts

I normally don’t like it when there’s only one integrated processor supported by a software provider because it typically translates to higher rates for businesses. 

And while ezyVet technically has three integrations, PayJunction is the only true end-to-end processing solution for US-based vets. 

PayJunction isn’t nearly as bad as other processors on the market who we’ve seen abuse the type of monopoly to take advantage of merchants. But it’s not like they’re just offering rock-bottom rates to everyone.

The best way to save money here is by getting on a transparent IC+ plan from PayJunction. If you’re currently on a flat-rate or tiered pricing model, it’s practically a guarantee that you’re paying too much to accept credit cards.