QuadraPay offers Spa Credit Card Processing Solutions.
Spa credit card processing account is a payment processing solution specially designed for spas. A spa credit card processing account handles various activities like accepting card details, encrypting card data, authorizing transactions, and confirming payments. Spa merchant services have various components like a spa ecommerce payment gateway for ecommerce transactions, retail credit card terminal for face-to-face card-present payments, and spa POS systems for efficient management of the business and transaction data.
The QuadraPay team truly understands the dedication that business owners put into running a spa business. As a spapreneur, you provide excellent services to your customers, helping them relax from everyday stress and feel better. We believe that you deserve the best, which includes a Spa Credit Card processing solution that is not only affordable but also has features to help your spa business grow.
The spa industry has evolved significantly, with various spa subsectors such as day spas, wellness centers, medical spas, ayurvedic spas, thermal spas, yoga retreat spas, health club spas, and beauty salons. These different types of spas offer various services including massages, weight loss therapy, wellness programs, hair care, and more. By accepting credit card payments for these services, entrepreneurs add convenience to their business and offer better customer satisfaction.
Challenges faced by Spas in finding credit card processing solutions
Unfortunately, many traditional banks and financial institutions do not prefer to work with businesses in the spa industry, posing a significant challenge for business owners seeking credit card processing solutions. Some processing partners outright decline applications from spas, while others impose high fees for onboarding merchants and may also implement additional conditions.
Fortunately, there are various high risk merchant processing companies that are comfortable working with businesses from the spa industry. QuadraPay has extensive experience in working with merchants from various high-risk industries, including spas and massage parlors. Our solutions are not only stable but also highly economical.
We believe in serving as a strong support system for our spa merchants. Our team is highly skilled in providing payment solutions that cater to the unique needs of businesses in the spa and wellness industry. Whether you need an online credit card processing solution, a retail credit card terminal, or even a point-of-sale system, we have it all for you. Contact us today for a free quote and a savings analysis.
Online Credit Card Processing for Spa Websites and Apps
Most spas and wellness centers have websites or mobile apps where customers visit and schedule appointments for therapy sessions. With our online credit card processing solutions, spas can accept credit and debit card payments when the customer schedules the booking. On a payment gateway, spas can accept all major credit and debit cards, whether locally issued or international. The integration of a spa payment gateway is easy. After the account approval, you will receive a detailed API guide that you can use to write custom integration codes. In case that appears complicated to you, you can also use ready-made plugins. We have ready integration available for platforms like WordPress, Magento, OpenCart, and WooCommerce.
Retail Credit Card Readers/Terminals and POS Systems for Spas
Customers who visit the Spa must have access to digital payment options. For this, a business owner should have an excellent retail credit card terminal connected with a point-of-sale system. A credit card machine allows spas to securely accept digital payments as per recommended industry standards. Our credit card terminals are compatible with modern cards like EMV and NFC.
Customers can also make payments using their favorite wallets by scanning the QR code on the terminal and completing the payment. One of the most popular payment methods in the spa industry is contactless payments, where customers do not have to hand over the card to the merchant. We support this contactless payments. Our credit card terminals easily integrate with well-known spa POS systems. If you offer services at customers’ premises, you can also use mobile credit card readers that allow you to conveniently accept card payments away from your spa.
FAQ Spa Merchant Services
What is the best credit card processing service for day spas?
The best credit card processing service for day spas is the one that provides you spa-specific features such as appointment software integration, mobile payments, tip tracking, and transparent pricing. You should look for a provider that specializes in the health, wellness, and salon industry.
Key Features to Look for:
- The credit card processing solution must integrate with your spa software, like booking engine, point of sale, and inventory management.
- It should allow you to accept mobile and contactless payments. The payment terminal must support Apple Pay, Google Pay, and tap to pay.
- The terminal should be compatible with EMV cards.
- It should support tipping, membership, and gift cards.
- You should opt for a flat, low-rate pricing.
- Avoid signing a long-term contract, and make sure there are no hidden fees.
- The gateway should offer you cloud access for remote monitoring and reporting.
- You should work with a credit card processor that is already working with similar businesses, like massage therapy clinics, day spas, salons, MedSpas, wellness centers, and mobile beauty service providers.
Can I accept credit and debit card payments at my spa?
Yes, you can accept both credit and debit card payments at your spa by using spa merchant services account like the one offered by QuadraPay. You will be able to accept credit card payments at your spa through multiple methods.
- Retail credit card terminal. Can be placed at your front desk to accept face-to-face payments.
- Mobile credit card reader to collect in-room and remote spa payments.
- Online payment gateway. To accept credit cards on your website or mobile application at the time of booking.
With all of these payment solutions, you will be able to accept various types of credit cards, such as Visa, MasterCard, Discover, and American Express. Along with that, you will also be able to accept local debit cards and international cards.
What are the monthly fees and transaction charges for spa credit card processing?
The monthly fees and transaction charges for spa credit card processing can vary depending on multiple factors such as the sales volume, location, and the service provider. At QuadraPay, we offer transparent pricing for spas, wellness centers, and medspas without any hidden charges.
Here is a standard fee breakdown:
- Transaction Fee: This ranges from 1.5% to 3.5% + $0.10–$0.30 per transaction, depending on card type and merchant risk.
- Monthly Fee: Usually $10 to $25 in the US and around 20 euros in the UK and EU. This fee is charged to cover the account maintenance cost.
- Gateway Fee (for online payments): If you wish to accept payments on your website, then the gateway fee is generally $10 to $20.
- PCI Compliance Fee (if applicable): Some processes charge the PCI compliance fee on a monthly basis, while many charge it on an annual basis. The cost typically ranges between $5 and $10 each month.
- Terminal Rental (optional): For retail spas that want to accept face-to-face payments, the monthly rental cost of the credit card terminal ranges between $15 and $30. This is only applicable if the terminal is not purchased outright by the merchant.
QuadraPay offers a free terminal placement program for spas in the US. We offer you a brand-new credit card terminal without any upfront charges. All you have to do is just pay the monthly rental, and we generally keep it below $30.
Is there a long-term contract or early termination fee for spa credit card processing?
Some credit card processors ask merchants to sign up for a long-term contract; however, with QuadraPay, you can get a month-to-month contract without lock-ins and early termination fees for most of the account types.
You must verify the contract length with the credit card processor. Is it month-to-month, or is it for a year or for 3 years? Also confirm their cancellation policy. How much penalty will you have to pay if you cancel the contract before the end of the lock-in period?
With QuadraPay, there are absolutely no long-term contracts for standard spa accounts, and you will also not be paying any hidden charges or exit penalties. Our spa-friendly onboarding process will accommodate your upgrade and pause service request so that your spa business grows.
Are there any hidden fees I should know about in spa credit card processing?
Many spa owners get surprised when they realize that the payment processor actually had multiple hidden fees buried in the payment processing agreement. This type of fee can eat up your profit if you are not careful. You should work with a payment processor that is transparent.
The most common fees for which you should be watchful include the following,
- Statement fee, which is basically a fixed charge that you pay every month for accessing your billing summary.
- Another fee is the batch fee. It’s a small charge that you pay for closing your transaction batch on a daily basis.
- Next are non-qualified rates, which are generally higher charges for specific types of cards, such as reward cards or international cards.
- Another hidden fee can be the monthly minimum charge, which is actually an extra fee that you pay if you don’t process a certain dollar amount each month.
- Some processors also charge an annual fee or a setup charge, while in most cases these charges should not be there.
How quickly will I receive funds after a spa credit card transaction?
We offer next-day funding to most spa merchants. For some merchants, the payouts can be twice a week because of their high-risk profile. Some factors that affect the settlements include the time of day the batch is settled, weekends, and bank holidays. Merchants should settle the batch before 7 PM local time for fast deposits.
What is the MCC code for spa businesses?
The appropriate MCC for a business that is a dedicated spa or massage parlor may be MCC 7297. This merchant classification code covers any business that provides therapeutic massage services, spa treatments, and rents hot tubs and saunas to customers. Another MCC is 7298, which is for health and beauty spas. This MCC is for merchants that offer facials, massages, herbal wraps, and steam baths. Sometimes MCC 7997 may also be applicable to membership clubs, country clubs, or other types of clubs approved in this MCC, which also offer spa services. In simple terms, we can say that the underwriter will be able to suggest the most appropriate MCC only after evaluating your full application package and business model.
What are some good online booking software options for medspas?
For medspa booking software, we recommend evaluating BookedBy. Another great option to consider is RazorSync, which is well-suited for medspa needs. It’s best to explore demos of these platforms and choose the one that aligns with your unique requirements.
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