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ARCA for Dental — HIPAA-Compliant Payments for Modern Practices
HIPAA-Compliant Payment Processing

Payments Built for
Modern Dental Practices

Run secure, compliant transactions across the front desk and the operatory — with the same trusted Clover hardware practices already know.

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Clover for Healthcare

The current Clover plan designed for HIPAA environments — payment-focused, security-first, and ready for the patients walking in today.

HIPAA-compliant by design

Built so your payment terminal stays a payment terminal — and out of PHI.

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How it works

The Clover for Healthcare plan limits the device to payment processing only, keeping protected health information out of scope. End-to-end encryption and tokenization on every transaction.

HSA, FSA & card-on-file

Accept every flexible spending option patients carry, plus securely stored cards for return visits.

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Built for treatment plans

Save a card on file with patient permission and run it again later — perfect for staged treatment, ortho payments, and follow-up procedures.

Chairside & front desk ready

Clover Flex for in-operatory checkouts. Clover Mini for fast, fixed transactions at reception.

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One ecosystem, two roles

Both devices share the same Clover dashboard, the same reporting, and the same secure processing — so the back office sees everything in one place.

Virtual terminal included

Invoice patients, send payment links, run card-not-present charges, and take payments by phone.

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No extra hardware required

Log in from any browser. Useful for billing balances after insurance, collecting overdue payments, and handling patients who'd rather pay over the phone than come in.

Available Now

Built on Clover Flex & Mini

Under the Clover for Healthcare plan, two devices are approved for HIPAA-restricted environments — and they're the two that matter for dental. Flex moves with you. Mini holds down the front desk.

Clover Flex handheld POS terminal
Chairside Checkout

Clover Flex

Wireless handheld terminal that goes wherever the patient is. Run the card in the operatory, hand-print or email the receipt, and let the patient leave without a second stop at the desk. EMV chip, contactless, and magstripe — all built in.

Clover Mini countertop POS terminal
Front Desk

Clover Mini

Compact countertop POS with a customer-facing display and built-in receipt printer. Lives at reception, handles patient check-outs, balance collections, and card-on-file storage all day — and pivots to face the patient when it's their turn to pay.

What Your Practice Can Do Today

The Clover for Healthcare plan covers the day-to-day essentials — and a virtual terminal that handles the after-hours work, too.

Every card your patients carry

  • HSA & FSA card acceptance
  • Chip & contactless cards
  • Mobile wallets (Apple Pay, Google Pay)
  • Magnetic stripe fallback

Virtual Terminal: payments from any browser

  • Email invoices & payment links
  • Phone (keyed-in) payments
  • Recurring billing for payment plans
  • Securely stored card-on-file

Reporting & back-office

  • Daily sales & deposit reports
  • Employee management & permissions
  • Multi-device dashboard sync
  • Next-day funding

Secure From Tap to Deposit

Every patient payment runs through encrypted, tokenized channels — HIPAA-friendly by design, every step of the way.

Patient
Card tap or chip
Clover Device
EMV / contactless
Encrypted
End-to-end + tokenized
Practice
Next-day funding
HIPAA-Compliant PCI DSS End-to-End Encrypted Tokenized

Why Dental Practices Choose ARCA

0
PHI on your terminal
The Clover Healthcare plan keeps your payment device strictly out of protected health information scope — payments only, by design.
0%
HIPAA-compliant processing
End-to-end encryption, tokenization, and secure card-on-file storage across every approved Flex and Mini.
0
Devices, one ecosystem
Flex for chairside. Mini for the front desk. One dashboard, one report, one merchant account.
Payments stopped being the part of the day my staff dreaded.
Practice owner
Dr. [Name], DDS
[Practice Name], [City]

Ready to Modernize Your Practice Payments?

Clover for Healthcare is available now — HIPAA-compliant Flex and Mini, ready to deploy in your operatory and at your front desk.

Coming Soon

Clover PracticePay

Today's Virtual Terminal handles a lot — but with workflows that still need staff to set up and send. Clover PracticePay (announced by Clover and Rectangle Health, slated for early 2026) turns those workflows into native, patient-facing tools: financing, automated billing, text-to-pay, and a branded patient portal — running alongside your existing practice management software.

Powered by Rectangle Health's Practice Management Bridge®
  • Patient financing Offer flexible payment options for larger treatment plans without sending patients to a third-party lender's site.
  • Integrated recurring billing Recurring billing tied directly into your practice management software — built for orthodontia, treatment plans, and balance-after-insurance.
  • Native text-to-pay Send a payment request by SMS instead of emailing a link. Patients tap, pay, done — no portal login, no printed statement.
  • QR code payments Display a QR code at checkout or in printed materials so patients can pay from their phone in seconds.
  • Branded patient portal A self-service portal where patients log in to view balances and pay — synced to the same dashboard your staff already uses.
Sneak Peek

Text-to-Pay in Action

A preview of how patients will check out with PracticePay — no portal login, no printed statement, just tap and pay from the SMS.

01
Send the request Your staff sends a secure payment link by SMS in one click.
02
Patient pays One tap on the link, secure card entry, done — no portal login.
03
Funds confirmed Payment lands in your dashboard. Deposits next business day.
9:41 ●●●● ▲ 100%
Smile Dental Care
Pay your visit balance of $245.00 securely: ppay.link/sm2k
$245.00
Pay Now
Payment Confirmed
$245.00 to Smile Dental Care
PATIENT'S PHONE
Practice Dashboard
JS
Jane Smith
Visit balance · $245.00
Invoice queued
Send via SMS →
Sent · Awaiting payment
Payment received
$245.00 · Funds in your account
YOUR DASHBOARD
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