From single treatments to membership packages, Harbour helps medical spas take payments in-office and online without the friction.
Get a free quoteMedical spas sell differently than a typical retail or service business. A single visit might be a $150 facial paid in full at checkout, while the next client is financing a $4,000 laser package over six visits, and the one after that is on a monthly membership plan that auto-renews every 30 days. Harbour Payments is built to handle all three in the same system, so front-desk staff aren't juggling a terminal for walk-ins and a separate tool for memberships. Card-present transactions run through a fast, reliable in-office terminal, while packages and larger treatment plans route through recurring billing that spreads cost across a defined schedule instead of forcing a client to pay everything upfront.
Recurring revenue is central to how most medical spas grow — membership tiers for regular treatments, prepaid packages for series like microneedling or laser hair removal, and retainer-style billing for ongoing skincare programs. Harbour's recurring billing tools automate that cadence: memberships charge on schedule, failed payments retry automatically before they turn into a lapsed client, and package balances draw down as sessions are used. For larger treatment plans, a financing-friendly checkout flow keeps average ticket size from becoming a barrier to booking, letting the front desk close higher-value packages without a manual invoicing workaround.
Medical spas sit at the intersection of retail-style checkout and clinical-adjacent services, which means client payment data deserves the same rigor as a medical office even when the services offered are elective. Harbour's infrastructure is PCI-DSS compliant by default, with encryption and tokenization protecting card data whether a client is paying in the treatment room, at the front desk, or through an online deposit link tied to a booking. Multi-location groups get consolidated reporting across every site, so an owner running several locations can track membership revenue, package utilization, and daily collections from one view instead of reconciling each spa separately. Because elective procedures and average ticket size can push some medical spas into a higher risk category, our underwriting team reviews services offered and payment patterns upfront — so approval reflects how the business actually operates, not a generic merchant category.
Interchange-plus tends to save money on higher-ticket treatments since the markup is fixed rather than a percentage stacked on top of an already-large transaction, while flat-rate is simpler but scales cost with ticket size.
Yes. Cards are tokenized and stored securely so installment charges for a treatment package can run automatically on a set schedule without re-entering payment details each visit.
Elective procedures can see higher dispute rates when clients are unsatisfied with results, so clear consent documentation and itemized receipts are important evidence if a chargeback is filed.
Yes. In-office terminals support tip entry and adjustment at checkout, common for aesthetician and injector-based services.
A canceled membership stops future recurring charges immediately, and any prorated refund for the current period can be issued directly against the last processed payment.
Typically a business license, relevant medical director or practitioner credentials, a voided check, and expected average ticket size and monthly volume.
Yes, though many multi-location groups prefer separate sub-accounts under one umbrella so each location's revenue and reserves are tracked independently while reporting rolls up centrally.
Processing card-present treatments through an EMV chip-capable terminal shifts counterfeit card fraud liability away from the spa, the same protection that applies to any card-present retail transaction.
Med spas offering injectables, laser treatments, or other procedures requiring medical oversight are generally reviewed more closely than a day spa offering only massage or facials, due to higher average tickets and elective-procedure dispute patterns.
Offering third-party financing for larger packages doesn't typically change a spa's own risk category, since the financing company assumes the credit risk on those installment plans.
A stored card is replaced with a token immediately after first use, so recurring membership charges reference the token rather than a raw card number kept in the spa's own systems.
The spa can respond with signed consent forms, session records, and package terms as evidence, which Harbour helps compile before the dispute is submitted to the card network.
Yes, BNPL options can run alongside standard card checkout, giving clients a financing choice for larger packages without changing how the spa's core processing works.
Very high average tickets relative to a spa's processing history can prompt a reserve requirement during underwriting, since a single dispute represents a larger dollar exposure.
Transaction reporting can be tagged by terminal, provider, or room, letting multi-provider spas track revenue and commission by individual staff member.
Talk to our team about pricing for your practice.