Families are increasingly paying $5,000-$25,000/month for care. We help home care agencies accept those recurring payments more easily, monitor and avoid processor fee increases, and make sure you aren't wasting money through outdated processing agreements.
Our team has experience working with aging adults and the industries and companies that support them. AdvoCharge serves senior care operators, assisted living, in-home care and adult day services. You're busy growing your business - you shouldn't have to second-guess your payment partner. Payment processors often add new or higher fees over time, and those increases can go unnoticed. We help you monitor your statements and transactions so nothing slips through the cracks and you don't pay more than you should - and we'll also teach you what to look for so you can spot changes yourself.
Our partnership is most compelling for senior care providers processing $25-35K or more per month in credit card transactions, where the potential savings and benefits are most meaningful.
Choose Advo20 for guaranteed 20% lower processing rates than your current statement, or Advo100 for true zero-fee processing through our dual-pricing program. Let's have a conversation to be sure you know what's best for your business.
Senior care operators have ongoing PCI-DSS requirements - annual questionnaires, vulnerability scans, and security policies. AdvoCharge stays with you through it all, actively managing and guiding the process year after year so your setup remains compliant and surprise fees don't show up on your statements.
AdvoCharge uses the same model regulators recommend and Fortune 500 merchants demand. No tiered markups. No hidden fees. Every line item on your statement is the actual processor cost plus our transparent margin.
A lot of families like using a credit card for your services - it gives them a bit more flexibility and makes payment tracking easier. Most businesses set up card processing once and rarely revisit it, but that can quietly cost more than you think.
Rates, fees and terms can change over time, and your business likely has too. Fees often increase more quietly and more frequently, while rate changes typically happen around card-network updates - usually April and October - expiring promos, or shifts in how you process payments.
A quick, periodic review - at least twice a year - helps ensure you're not paying outdated or unnecessary charges, that your pricing still fits your business, and that you're benefiting from competitive rates. Even small differences add up - it's not just about saving money, it's about making sure your payment system is still working in your favor.
Use the contact form to ask for a statement review - we reply with a secure, private way to share your recent monthly statements, and they go straight to our review queue.
Within 48 hours, we send back a written analysis showing your current cost structure, where you're being overcharged, and exactly what you'd save under Advo20 or Advo100. No commitment.
Pick Advo20 (traditional pricing 20% lower than current) or Advo100 (true zero-fee through a dual-pricing model). Setup is paperless and takes less than a week. Confused about which one fits best? Let's talk and we'll show you which is best for you long term.
Simple, transparent pricing for day-program and drop-in payments.
Flexible card acceptance for mobile and remote billing workflows.
Predictable processing for recurring resident and family billing.
AdvoCharge is processor-agnostic. We work with the major U.S. payment processors and select the right one for your operator profile, transaction mix, and operational requirements. You are never locked into a single processor - if your needs change, we change the processor. We bring the relationships and the operating leverage; you get the right fit for your business.
If you are working with your own platform and have yet to integrate card processing, you are leaving significant dollars on the table. Let us show you how to turn a cost into a revenue-generating line item that significantly contributes to your bottom line.
AdvoCharge is the merchant services partner for the Bridge Years Project, a consumer-facing initiative supporting families navigating aging-adult care decisions. Bridge Years Project produces guidance content, planning tools, and pre-crisis preparation kits for adult children and caregivers. Through this partnership, AdvoCharge brings transparent payment infrastructure to the senior-care provider side of that ecosystem.
We don't bundle the offerings - your relationship with AdvoCharge is the merchant services agreement. The Bridge Years Project relationship simply means we understand the operator-side and family-side context of senior care end-to-end.
Short answers to the questions senior care operators ask most often when they evaluate AdvoCharge.
Most senior care operators are on tiered pricing, which bundles processor markup into qualified, mid-qualified and non-qualified rate buckets and obscures how much is actually being charged. Moving to transparent interchange-plus pricing typically lowers fees significantly. AdvoCharge places senior care clients on interchange-plus only, with the processor markup stated as a fixed percentage plus per-transaction fee.
ACH bank transfers are typically the lowest-cost option for predictable monthly billing in assisted living, since ACH transactions carry a small flat fee rather than a percentage of the amount. Credit cards are convenient for family-pay scenarios but cost more on large monthly amounts. Most senior care operators benefit from supporting both, with billing software that automatically routes to the lower-cost method when available.
Yes. ACH and credit card processing are typically set up under the same merchant account and operate through the same gateway. AdvoCharge configures senior care operators with both, and supports recurring billing schedules so monthly resident fees process automatically.
Home care agencies often run on thin margins, and processing fees can quietly consume one to three percent of revenue. On tiered pricing this can be even higher. Switching to interchange-plus and adding ACH for predictable monthly billing typically returns meaningful dollars to operating margin, especially for agencies processing $25-35K or more per month in card volume.
Interchange-plus is a pricing model where the processor passes the wholesale interchange cost (set by Visa and Mastercard) through at cost, then adds a fixed, transparent markup. For senior care operators on tiered pricing, switching to interchange-plus typically reveals 50 to 150 basis points of hidden markup that was previously buried in the tier structure. The full mechanics are covered in our interchange-plus vs. tiered pricing article.
Yes. Any business that accepts credit card payments must comply with PCI-DSS. For most senior care operators, compliance is satisfied by completing the annual Self-Assessment Questionnaire and, if processing online, scheduled vulnerability scans. AdvoCharge guides every senior care client through the questionnaire - see our plain-language PCI guide for what the questionnaire actually involves.
Yes. Family-pay is one of the most common billing patterns in senior care - an adult child paying for a parent's assisted living or home care, often from another state. AdvoCharge configures recurring billing so the payment method on file can belong to a family member, by card or ACH, with automatic monthly schedules that reduce late payments and the office time spent chasing them.
"They read our statement, found the markup our last processor buried, and switched us with zero downtime. The savings were exactly what they promised."
"The Advo100 program took our processing fees to zero. Setup was simple and our customers barely noticed the change."
"Switching to AdvoCharge was painless and our monthly statement finally makes sense. We are keeping more of every arrangement we sell."
"AdvoCharge understood our billing before we finished explaining it. Advo20 cut our processing costs and the support has been steady ever since."
"One agreement covered every location, and the combined-volume pricing beat anything a single store could reach. Onboarding a new site is now effortless."
"We were overpaying for years and never knew it. AdvoCharge showed us exactly where, in plain language, and the switch paid for itself in the first month."
"Their interchange-plus pricing held up under our finance team's review. No padded tiers, no surprises - just a transparent statement every month."
"Honest, straightforward, and they explain everything on one page. For our members it has been a genuinely better deal."
Plain-language articles from the AdvoCharge team on what processing actually costs and how to pay less of it.
The bill says the resident's name; the card says their daughter's. Family-pay is the normal case in senior care, not the exception - and most payment failures happen exactly there. Storing distant family members' cards safely, the surcharge question, and a script for the payment-options conversation at move-in.
Read the full article ›Assisted living billing is recurring, but it is not flat - amounts change with care levels, payers change with family circumstances, and the card on file has to survive both. What the workflow actually requires from a processor, tokenization in plain English, and the questions that separate a fit from a headache.
Read the full article ›Senior care bills are large, monthly and predictable - the exact payment profile where ACH shines and credit cards get expensive. The math on a typical room-and-board bill, the cases where cards still earn their keep, and what setting up monthly ACH actually involves.
Read the full article ›Ten things to look for on a senior care processing statement - the pricing tiers that quietly absorb recurring volume, the fees that are pure processor profit, and the two months a year your rates are most likely to move. One page, plain language. Enter your email and the download appears on the next page.
Use the contact form to request your review and we reply with a secure, private way to share your statement. We'll respond within 48 business hours with a written analysis of your current cost structure, your potential savings under Advo20 or Advo100, and exactly how to move forward if you decide to switch. No commitment, no follow-up calls.
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