Industries · Dental practices

The all-in-one payments setup for dental practices. Live in days, not months.

Treatment plans split into scheduled payments, in-house membership programs billed monthly, chairside collection in the operatory, and a single dashboard that ties patient payments to your books — without forcing you out of the practice management software you already run.

Clover Flex chairside — accept payment in the operatory, not at the front desk
Recurring billing for in-house membership plans (cleanings + discounts)
Payment links by text for treatment plans split over 3, 6, or 12 months

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What we solve for

The dental problems that actually matter.

High-ticket tickets, fee drag that adds up

Crowns, implants, and ortho cases run $2k–$15k+, and the average dental effective rate runs about 3.53%. At roughly $45,000/month, every half point saved is about $2,700 a year — your program and rate are in writing on your proposal, so every basis point is visible.

In-house membership plans, billed cleanly

Arca’s Online suite handles recurring billing for your $30 (or $40, or $50) per-month membership — automatic retry on failed cards, dunning emails, and a clean monthly funding line.

Chairside collection beats the front desk

Flex in the operatory means the patient pays before they’re back at the front. Fewer “I’ll call back with my card” moments, fewer balances that age past 60 days.

Treatment-plan payment links

Patient accepts a $5,000 case? Send a payment-link schedule by text — pay-1 today, pay-2 in 30 days, pay-3 in 60. No envelopes, no manual follow-up calls.

Card-not-present for AR cleanup

Virtual terminal for phone-in payments, email invoices for balances after insurance, and a saved-card vault for ongoing patients — close out AR without chasing.

Reconciliation that lines up with your PMS

Daily settlements export to QuickBooks via Commerce Sync; deposits reconcile against the day’s collections in Dentrix, Eaglesoft, or Open Dental without manual matching.

Recommended hardware

The right device for dental.

Clover Mini

Why: Front-desk anchor — Mini or Compact, compact and clinical-looking, full POS at the desk.

See product details →

Clover Flex

Why: Flex Pocket or Flex chairside — collect in the operatory, print or text the receipt, no walk to the front desk.

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Recommended plan

Clover for Healthcare — $0 base

No Stations on this plan. Membership billing, recurring, and card-on-file are built in.

Things to know

Dental considerations.

PracticePay upgrade

Step up to PracticePay for auto-posting to your practice management software, text-to-pay, and structured payment plans — built for how a dental office actually collects.
HIPAA & PCI scope

Cardholder data stays on Arca’s hosted layer — your practice never touches a PAN. Keep PHI out of transaction descriptions (use patient IDs, not names + procedures) and you stay in the simplest PCI tier alongside HIPAA-aligned workflows.
Chargeback exposure on treatment-plan cases

The most common dental chargebacks are patient-dissatisfaction disputes on completed work. We help build the evidence package — itemized treatment plan, signed consent, photo records, and proof of service — so disputes are defensible.
Insurer virtual cards

From April 2026 you can opt out of insurer-issued virtual card payments, which often carry high processing costs. We help you route those payouts to a lower-cost method.

Common questions

From dental merchants.

? Will this work with Dentrix, Eaglesoft, or Open Dental?

For most practice management systems, the cleanest setup is Arca terminals alongside your PMS — the device authorizes the payment, you post it in the PMS billing module, and end-of-day deposits reconcile to the same number. Open Dental and several cloud PMSes (Dentrix Ascend, Curve, CareStack) support deeper payment-gateway integration; tell us what you’re running and we’ll spec the right setup during onboarding.

? How do in-house membership plans work?

Arca’s Online suite includes recurring billing. We set up your plan (typical: $30–$50/month for two cleanings, exams, X-rays, and a discount on other services), enroll patients with a saved card, and handle automatic retry on failed cards with dunning emails. Members get a card; you get monthly recurring revenue without a separate subscription processor.

? Can patients pay a balance after insurance pays out?

Yes — three common flows. (1) Save the card on file at the visit and charge the residual once the EOB lands. (2) Text the patient a payment link for the exact amount. (3) Email an Arca-branded invoice with a pay-now link. All three settle into the same Arca account as your chairside payments.

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