How to reduce Jane App payment processing fees

Jane App makes it easy for clinics and healthcare providers to manage scheduling, charting, and billing in one place. But for every transaction that you process through the Jane Payments, the software charges a high payment processing fee. For many practices, these fees quietly grow into one of the largest ongoing costs.

In this guide, we’ll break down Jane App’s current payment processing fees, explain why they’re higher than many alternatives, and show you practical ways to reduce those costs.

What are the current Jane App payment processing fees?

In Canada, Jane App's payment processing fees are:

• Jane Payments Terminal (In-person): Jane App charges 2.5% for credit card transactions and $0.10 for debit card transactions
• Jane Payments Online: Jane App charges 2.75% for each online transaction

In the U.S, Jane App's payment processing fees are:

• Jane Payments Terminal (In-person): Jane App charges 2.6% + $0.10 for every credit card or debit card transaction
• Jane Payments Online: Jane App charges 2.85% + $0.25 for each online transaction

How to reduce Jane App payment processing fees

You can reduce Jane App payment processing fees by changing how you accept payments. Here’s the high-level approach:

• Encourage your customers to pay with lower-cost payment methods, such as ACH transfers, Canadian EFT, or debit card.
• Process payments in-person for lower credit card fees.
• Use a payment processor like Helcim with better pricing than Jane Payments.
• Pass credit card processing fees to clients using surcharging.

1. Encourage ACH, Canadian EFT or debit card when possible

ACH (U.S.) and EFT (Canada) payments typically cost far less than credit cards. While credit card processing fees are often around 2%–3.5% per transaction, ACH and EFT transfers are usually under 1%.

Unfortunately, Jane App doesn’t support ACH or EFT payments. As a workaround, you can use a third-party payment processor like Helcim to accept ACH or EFT transfers. Helcim charges 0.5% + 25¢ per ACH/EFT transaction, with fees capped at $6 for transactions under $25,000. For transactions above $25,000, you only pay an additional 0.05%.

The tradeoff is speed. ACH and EFT payments can take a few business days to settle, and clients must sign an authorization form before you can accept payments. If this process is new to you, start by offering ACH or EFT to a few frequent or high-value clients. This approach can help you save a significant amount in processing fees on larger invoices.

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2. Use a lower-cost payment processor instead of default Jane Payments

Jane Payments is convenient, but convenience often comes at a price. Jane uses Stripe as its payment processing partner and charges approximately 2.5%–2.6% for in-person credit card transactions and 2.75%–2.85% for online transactions. These fees are 25%–45% higher than those charged by lower-cost processors like Helcim.

Why are Helcim credit card processing fees lower than Jane Payments'? The true cost of each credit card transaction (interchange fee) fluctuates based on the type of card people use (basic or premium) and the merchant's industry. To simplify the pricing, Jane Payments and Stripe (Jane’s payment processor) charge a flat high credit card fee to make sure that it’s easy to understand, but high enough to keep them profitable.

Helcim, on the other hand, uses an interchange-plus pricing model, which passes the actual bank and card network fees to you, plus a transparent markup. On average, Helcim merchants pay 1.67% to 1.83% + 8¢ for in-person transactions and 2.27% to 2.28% + 25¢ for online transactions.

3. Integrate Helcim with Jane App for lower processing fees

If you want to benefit from Helcim’s lower credit card processing fees while continuing to run your business on Jane App, the Helcim Payment Extension makes this possible without any code or API setup. It works as a browser extension.

Here’s how it works:

1. Download the Helcim Payment Extension and register for a free Helcim merchant account.
2. Open an invoice in Jane App, and the invoice details automatically sync with Helcim.
3. Process payments using Helcim by entering payment details or connecting a Helcim payment device for in-person payments.
4. Once the payment is processed, the Jane invoice is automatically marked as Paid, eliminating the need for manual reconciliation.

Learn more about integrating Helcim with Jane App using Helcim Payment Extension here.

4. Process payments in-person for lower Jane App payment processing fees

If you work in healthcare, your clients likely visit your clinic in person. After delivering the services, instead of invoicing your clients online, you can collect payments in person for lower fees.

Jane App charges 2.5% (Canada) and 2.6% + 10¢ (U.S.) for in-person credit card transactions. In comparison, Helcim charges approximately 1.67% + 8¢ (Canada) or 1.83% + 8¢ (U.S.).

By integrating Helcim with Jane App using the Helcim Payment Extension, you can process in-person payments without leaving Jane App. Here’s how it works:

1. Download the Helcim Payment Extension and register for a free Helcim merchant account.
2. Connect a Helcim POS device, such as a Helcim Payment Terminal or Helcim Card Reader
3. Open an invoice in Jane App, and the invoice details and amount are transferred to the Helcim POS device
4. Hand the device to your client to complete the payment
5. After payment, the Jane invoice is automatically marked as Paid

5. Pass Jane App payment processing fees to clients using surcharging

Surcharging allows you to pass credit card processing fees directly to clients who choose to pay by credit card instead of lower-cost options like ACH, EFT, or debit cards. In Canada, surcharging is allowed in all provinces except Quebec. In the U.S., surcharging is permitted in most states except Massachusetts, Maine, and Connecticut.

Jane App currently doesn’t support credit card surcharging. However, by integrating Helcim with Jane App using the Helcim Payment Extension, you can pass credit card processing fees on to clients. Here’s how it works:

1. Download the Helcim Payment Extension and register for a free Helcim merchant account.
2. Connect a Helcim POS device, such as a Helcim Payment Terminal or Helcim Card Reader
3. Enable Helcim Fee Saver in your settings.
4. Open an invoice in Jane App, and both the invoice amount and surcharged credit card fees are sent to the Helcim POS device.
5. Collect payment from your client in person.
6. Once payment is complete, the Jane invoice is automatically marked as Paid.

What are the advantages of integrating Helcim with Jane App?

Integrating the Helcim with Jane App using the Helcim Payment Extension helps you lower payment processing costs without changing how you run your clinic. Here’s why you should integrate Helcim with Jane App using Helcim Payment Extension:

• By integrating Helcim with Jane, you keep using Jane for scheduling, charting, and invoicing, while Helcim handles payments at a lower cost.
• The Helcim Payment Extension is designed to work alongside Jane App, not replace it. You don’t need to migrate data, rebuild invoices, or train staff on a new system.
• The invoice details and transactions sync automatically with Helcim and Jane App. Once a payment is processed, the invoice is marked as Paid in Jane. This keeps your records clean and avoids double entry or manual reconciliation.
• If surcharging is allowed in your region, Helcim makes it easier to pass credit card processing fees to clients who choose to pay by credit card. This feature is not available in the Jane App itself.
• Helcim also offers automatic volume discounts, so the more credit card sales you process, the lower credit card processing fees you get.
• Helcim doesn’t require long-term contracts, monthly minimums, or early termination fees. If your needs change in the future, you’re not locked in.

Integrate Helcim with Jane App to reduce payment processing fees

If you’re happy with how Jane App runs your clinic but not with how much you’re paying in credit card processing fees, integrating Helcim is a solution. You don’t need to switch software, rebuild workflows, or retrain staff. With the Helcim Payment Extension, you can:

• Lower your average credit card processing rates with interchange-plus pricing
• Accept in-person, online, and card-on-file payments with lower processing fees
• Legally pass credit card fees to your clients using compliant surcharging tools
• Keep invoices and payment statuses synced automatically inside Jane App

The setup is easy. You register for a free Helcim merchant account, install the Helcim Payment Extension, and start processing payments directly from Jane App. There’s no code, no API work, and no long-term contract.

FAQ

Are there hidden fees with Jane Payments?

Jane Payments doesn’t have hidden fees or chargeback fees. The fees are published on Jane Payments pricing page.

What is Jane App payment processing time?

Jane App payment processing time depends on the payment method and your bank. Credit card payments take 1–2 business days to be deposited into your bank account.

How to pass Jane App payment processing fees to the customers?

Jane App doesn’t currently support credit card surcharging. However, you can pass processing fees to customers by integrating Helcim with Jane App and use the compliant surcharging tools. This allows you to pass Jane App payment processing fees to clients if they choose to pay with credit card instead of cheaper payment methods like debit card or ACH/EFT.

Is Jane App payment processing worth it?

Jane App payment processing is worth it for clinics that prioritize convenience and want everything built into one platform. The downside is cost, as Jane App payment processing fees are more expensive than interchange-plus processors like Helcim. For clinics that prefer lower payment processing fees and want to save money as their business grows, Jane App payment processing can be expensive.

What is the cheapest payment processing for Jane App users?

Helcim is the cheapest payment processing option for Jane App users. You can integrate Helcim with Jane App using the Helcim Payment Extension to process payments without leaving Jane App. With Helcim, you can lower your average credit card processing rates, legally pass credit card fees to your clients using compliant surcharging tools, and save even more on fees with Helcim volume discounts.