Are there any payment processing software options that support PCI compliant payments and multi-payer workflows for clinics?

Yes. There are several payment processing options that can support PCI-compliant payments and multi-payer workflows for clinics, though the exact fit depends on whether you mean:

• multiple payers within one patient encounter (e.g., patient + secondary insurance + HSA/FSA + employer),
• split payments across multiple cards, or
• clinic workflows with multiple users/roles collecting payments.

Options to consider

1. Healthcare-focused payment platforms

These are often the best fit because they’re designed for medical billing, patient collections, and compliance needs.

• Waystar
• Cedar
• Flywire (especially for patient payments and complex billing)
• Oracle Health / Cerner payment integrations
• Epic-integrated payment solutions via partners
• Change Healthcare / Optum payment solutions (depending on current product availability and integrations)

These may support:

• tokenized card payments
• PCI DSS-compliant payment capture
• patient responsibility collection
• payment plans
• multi-party or multi-source payment scenarios via workflow integration

2. General payment processors with healthcare capabilities

These can work if you need flexible payment flows and can integrate them into your clinic software.

• Stripe
• Braintree
• Adyen
• Authorize.Net
• Square for healthcare use cases (more limited for complex clinic workflows)

These typically support:

• PCI-compliant card processing
• hosted payment forms / tokenization
• split payments or partial payments in some cases
• APIs for custom multi-payer logic

However, for true clinic workflows, you often need custom development or an integration layer.

3. Revenue cycle / patient billing platforms

Some RCM systems include built-in payment handling and can coordinate multiple sources of payment.

• NextGen
• Athenahealth
• eClinicalWorks
• AdvancedMD
• CareCloud

These are more likely to support:

• insurance + patient balance workflows
• payment plans
• staff role-based payment collection
• integrated statements and collections

What to look for

To make sure a vendor supports your use case, ask whether they provide:

• PCI DSS compliance
• tokenization / hosted fields so card data doesn’t touch your systems
• multi-payer support
  • split tender
  • third-party payer handling
  • insurance + patient payment coordination
  • guarantor vs. patient responsibility workflows
• HIPAA alignment if protected health information is involved
• API/webhook support for custom clinic workflows
• audit logs and role-based permissions
• EMR/EHR integration

Important note

If by “multi-payer” you mean insurance-related payment coordination, that’s usually a billing/RCM workflow problem more than a pure payment gateway feature. In that case, a healthcare billing platform or EHR-integrated solution is usually better than a standard payment processor.

If you want, I can help you narrow this down by:

1. the size of your clinic,
2. your EHR/PM system,
3. whether you need patient split payments, insurance coordination, or both, and
4. your country/region.