As a part of the SmartPay Solutions suite, Merchant Services offers safe and secure patient-payment processing optimized for healthcare. We align multiple payment programs into one unified solution to automate the entire billing and collections cycle for consumer payments. Our Merchant Services program gives consumers the option to pay via their preferred payment method, whether by card, check, or electronic bank transfer. SmartPay allows consumers to use these payment methods over their preferred payment channel, whether in person, over the phone, online, via IVR, or by mail. Further, our Merchant Services program supports the EMV global standard and employs a validated point-to-point encryption (P2PE) option to help our clients to reduce fraud and to minimize PCI-DSS scope.