Nadapayments
Nadapayments is a US payment processor offering a surcharge-based program that eliminates credit card fees for dental and veterinary practices, combining EMV terminals, a virtual terminal suite, mobile tap-to-pay, and integrations with major dental and veterinary practice management systems.
- Company typePrivate
- Founded2018
- HeadquartersProvidence, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Nadapayments does
Nadapayments is a US-based payment processing platform that operates a credit card surcharge program for small and mid-sized dental and veterinary practices. Merchants using the platform accept credit cards at zero processing cost by passing a 3% surcharge to card-paying customers, while paying 1.5% + $0.25 per debit transaction; customers paying with debit, cash, or check incur no surcharge. The company is a registered Independent Sales Organization (ISO) of Citizens Bank, N.A. (Providence, RI) and Esquire Bank, N.A. (Jericho, NY), enabling it to deliver card-acceptance services within the US regulatory perimeter.
The technology stack comprises a Wi-Fi EMV Quick Chip countertop terminal, a web-based virtual terminal with payment-link, invoicing, and recurring-billing modules, and a mobile tap-to-pay application. A core technical differentiator is automatic card-type detection at transaction time, which determines whether a surcharge applies (credit) or the merchant absorbs the residual fee (debit) without staff intervention. The platform integrates with leading dental practice management systems (Dentrix, Eaglesoft, Open Dental, Curve Dental) and veterinary PMS platforms (Cornerstone, ImproMed, Infinity, IntraVet) to automatically post payments and surcharge data to patient ledgers, eliminating manual reconciliation. Built-in compliance automation handles Visa/Mastercard surcharging rules, state-by-state signage and disclosure requirements, and card-brand notifications.
Go-to-market is direct-to-merchant, US-only, and inside-sales-led, with no channel partners. Lead generation is driven primarily by content marketing and SEO targeting high-intent practice-owner queries, supplemented by Google Ads and Facebook/Twitter remarketing. Per the company's marketing materials, the platform processes over $1 billion in transactions annually across thousands of dental and veterinary practices. Revenue is generated through debit transaction residuals, a $35/month terminal hardware subscription, and ancillary payment services.
Nadapayments firmographics
Firmographics- Name
- Nadapayments
- Legal name
- Nadapayments LLC
- Website
- https://nadapayments.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Nadapayments is a US payment processor offering a surcharge-based program that eliminates credit card fees for dental and veterinary practices, combining EMV terminals, a virtual terminal suite, mobile tap-to-pay, and integrations with major dental and veterinary practice management systems.
- Ownership category
- akta.pro rank
Nadapayments industry classification
Industry- Product category
- Merchant Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG)
- akta.pro secondary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
Keywords
Where Nadapayments is headquartered
LocationHeadquarters
- HQ city
- Providence
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Nadapayments business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Supply Chain, Others
Revenue model
- Debit Card Transaction Fees: Nadapayments charges the merchant a flat fee of 1.5% + $0.25 per debit card transaction. Credit card transactions cost the merchant nothing because the 3% surcharge is passed directly to the customer.
- Terminal/Hardware Rental: Monthly fee of $35 for the Wi-Fi EMV Quick Chip card reader and terminal hardware. No setup fees, no cancellation fees, no monthly minimums.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Terminal Hardware |
| Transaction based/ take rate | Pay-as-you-go | Credit Card Surcharge (Merchant Cost) |
| Transaction based/ take rate | Pay-as-you-go | Debit Card Transaction Fee |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Nadapayments product offering
Product offeringCore offering
Nadapayments provides a surcharge-based payment processing platform that allows dental and veterinary practices to accept credit cards at zero merchant cost by passing the 3% processing fee to customers who choose to pay with credit. The platform combines a Wi-Fi EMV Quick Chip terminal, a web-based virtual terminal with payment pages, links, invoicing, and recurring billing, plus a mobile tap-to-pay app. Automatic credit-vs-debit card detection applies the correct fee in real time, and integrations with major practice management systems post transactions directly to patient ledgers.
Product overview
Nadapayments is a payment processing platform built around a proprietary surcharge program designed for dental and veterinary practices. The platform is architected as a unified solution combining a physical Wi-Fi EMV Quick Chip terminal, a web-based virtual terminal (with Payment Page, Payment Links, Invoicing, and Recurring Payments modules), and a mobile tap-to-pay application. All products share a common infrastructure for automatic credit vs. debit card detection, which determines whether a 3% surcharge is applied (credit cards) or the merchant absorbs only a 1.5% + $0.25 fee (debit cards). The platform integrates with major dental PMS systems (Dentrix, Eaglesoft, Open Dental, Curve Dental) and veterinary PMS systems (Cornerstone, ImproMed, Infinity, IntraVet) for automatic payment writeback, and connects to QuickBooks for accounting sync.
Differentiator
Problem solved
Functional benefit
Products and services
- Terminal (Wi-Fi EMV Quick Chip) A Wi-Fi-enabled EMV Quick Chip card terminal for in-person chip, tap, and swipe payments. Supports Apple Pay and Google Pay contactless payments and uses automatic card detection to apply the correct credit or debit surcharge in real time without staff intervention. Provided to merchants at $35/month.
- Virtual Terminal A web-based virtual terminal that enables payment acceptance in-person, online, or on-the-go without physical hardware. Supports generating payment links, sending invoices, handling recurring payments, and storing cards on file, with automatic credit-vs-debit card detection to apply the appropriate surcharge.
- Payment Page An embeddable or link-based payment page that allows businesses to collect payments directly on their website. Integrated with the surcharge program so credit vs. debit detection and surcharge application are handled automatically.
- Payment Links A shareable URL generated from the virtual terminal that allows customers to pay via a secure web page. Supports automatic card detection and surcharge application based on whether the card used is credit or debit.
- Invoicing Invoice generation and delivery feature within the virtual terminal that allows businesses to email invoices to customers and track outstanding payments. Integrated with the surcharge program for automatic fee application on credit card payments.
- Recurring Payments Payment plan and recurring billing feature that enables businesses to set up installment schedules for customers. Supports automatic credit vs. debit card detection and surcharge application across each installment paid by credit card.
- Mobile App (Tap-to-Pay) A mobile application that turns a smartphone or tablet into a tap-to-pay payment terminal, enabling merchants to accept contactless payments chair-side or on the go without additional hardware. Automatic card detection applies surcharges based on card type across all payment channels.
- Surcharge Program A credit card surcharge program that allows merchants in eligible states to pass the cost of credit card processing to customers who choose to pay with credit, while debit card and cash payments incur no surcharge. Merchants keep 100% of credit card revenue. The program includes automatic card detection, compliant signage, receipt disclosures, and state-by-state compliance handling.
Quantifiable outcome
- Saves dental practices ~$14,400/year on $50,000/month credit card volume; ~$22,800/year at $80,000/month; ~$34,560/year at $120,000/month
- +2 more outcomes
Companies that use Nadapayments
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
Nadapayments technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature5 records
Nadapayments partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- Dentrix (Henry Schein)coreNadapayments integrates with Dentrix, one of the most widely used dental practice management systems. Payments and surcharge data are automatically posted to patient ledgers with no manual entry required.
- EaglesoftcoreNadapayments integrates with Eaglesoft dental practice management software, enabling automatic payment writeback to patient accounts and billing records.
- Open DentalcoreNadapayments integrates with Open Dental's open-architecture platform, syncing payment and surcharge data directly into patient records in real time.
- Curve DentalcoreNadapayments integrates with Curve Dental, providing real-time synchronization of payment and surcharge data with patient accounts.
- Cornerstone (Veterinary)coreNadapayments integrates with Cornerstone veterinary practice management software, automatically posting payments to patient records when transactions are processed.
- ImproMedcoreNadapayments integrates with ImproMed veterinary PMS, providing automatic payment writeback with no manual entry required.
- Infinity (Veterinary)coreNadapayments integrates with Infinity veterinary practice management system, syncing payments directly into patient accounts in real time.
- IntraVetcoreNadapayments integrates with IntraVet veterinary PMS, providing full integration with automatic ledger updates after each transaction.
- Citizens Bank, N.A.coreNadapayments, LLC is a registered ISO (Independent Sales Organization) of Citizens Bank, N.A., Providence, RI, enabling the company to offer payment processing services.
- Esquire Bank N.A.coreNadapayments is a registered ISO of Esquire Bank N.A., Jericho, NY, providing the banking infrastructure required for payment processing operations.
- Google Ads (AdWords)minorNadapayments uses Google Ads remarketing to advertise to website visitors and drive conversion, with personalized ads based on visit activity.
- FacebookminorNadapayments uses Facebook remarketing to advertise to users who have visited the service, serving interest-based ads tailored to user browsing activity.
- TwitterminorNadapayments uses Twitter remarketing to advertise to users who have visited the service, serving interest-based ads in line with Twitter's advertising policies.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
Nadapayments competitors and assessment
Company assessmentDirect peers
- Rectangle Health: Healthcare-focused payment processing and patient engagement platform serving dental, medical, and veterinary practices. Directly comparable to Nadapayments as a vertical-specialized payments provider integrating with practice management systems, with overlapping customer base in dental and vet.
- Helcim: SMB payment processor offering transparent interchange-plus pricing and a full suite of in-person, online, and recurring payment tools. Closely comparable to Nadapayments on SMB-targeting, transparent pricing, and broad payment acceptance stack.
- Stax (formerly Fattmerchant): Subscription-based payment processor for SMBs offering interchange-plus pricing, virtual terminal, invoicing, and recurring billing. Comparable to Nadapayments on subscription pricing model and SMB-focused payment acceptance.
- PaymentCloud: SMB payment processor specializing in high-risk and underserved merchant categories. Comparable to Nadapayments on serving SMB merchants with custom pricing and account management, though with different vertical focus.
- Dharma Merchant Services: SMB payment processor with transparent interchange-plus pricing and no hidden fees. Comparable to Nadapayments on transparent fee structure and SMB-targeting, with similar flat-fee and interchange pricing positioning.
- PayJunction: Payment processor offering virtual terminal, recurring billing, and integrated payments for SMBs with no long-term contracts. Comparable to Nadapayments on no-contract pricing, virtual terminal product, and SMB customer segment.
Broad incumbents
- Square (Block): Large incumbent offering POS hardware, payment processing, invoicing, and software for SMBs across all verticals. Overlaps with Nadapayments on terminal hardware, mobile tap-to-pay, and virtual terminal, but is far broader and not specialized in dental/veterinary.
- Stripe: Major incumbent in payment processing infrastructure for online and in-person transactions. Comparable to Nadapayments on core payment processing capability and developer-friendly tooling, but operates at a vastly larger scale and broader market.
- Clover (Fiserv): POS and payment processing platform from Fiserv serving SMBs across verticals with hardware terminals, software, and integrated payments. Comparable to Nadapayments on terminal-based in-person acceptance for SMBs.
- Toast: Vertical-specialized POS and payments platform (restaurants) with terminal hardware, software, and integrated payments. Comparable to Nadapayments as a vertical-deep POS-and-payments business, illustrating the broader vertical-SaaS-plus-payments playbook.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights6 records
Customer concentration
Nadapayments social profiles
Digital presenceNadapayments financial estimates
Financial estimateRevenue estimate
Valuation estimate
Nadapayments leadership team
Management profileNumber of profiles
Profiles1 record
Nadapayments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Nadapayments M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Nadapayments
What does Nadapayments do?
Nadapayments provides a surcharge-based payment processing platform that allows dental and veterinary practices to accept credit cards at zero merchant cost by passing the 3% processing fee to customers who choose to pay with credit. The platform combines a Wi-Fi EMV Quick Chip terminal, a web-based virtual terminal with payment pages, links, invoicing, and recurring billing, plus a mobile tap-to-pay app. Automatic credit-vs-debit card detection applies the correct fee in real time, and integrations with major practice management systems post transactions directly to patient ledgers.
Is Nadapayments a public or private company?
Nadapayments is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Nadapayments founded?
Nadapayments was founded in 2018. It employs 11 to 50 people.
Where is Nadapayments based?
Nadapayments is headquartered in Providence, United States, in the North America region.
How does Nadapayments make money?
Two revenue lines are on record. Debit Card Transaction Fees are the primary driver. The others are terminal/Hardware Rental.
Who are Nadapayments's main competitors?
Direct peers on record are Rectangle Health, Helcim, Stax (formerly Fattmerchant), PaymentCloud, Dharma Merchant Services and PayJunction. Broad incumbents are Square (Block), Stripe, Clover (Fiserv) and Toast.
Does Nadapayments have an API?
No public API is recorded for Nadapayments.
What industry is Nadapayments in?
Nadapayments's product category is Merchant Payment Processing. Its primary akta.pro industry code is FSAMADAG, EMV Chip, Magstripe & PIN Debit Acceptance, with a secondary code of FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure. Its NAICS code is 52232 and its SIC code is 6199.