VetPay
VetPay is a Houston-based FinTech founded in 1989 that provides credit card processing, surcharging programs, and practice-management-software-integrated payment solutions exclusively to veterinary practices and pet businesses across all 50 U.S. states.
- Company typePrivate
- Founded1989
- HeadquartersHouston, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What VetPay does
VetPay is a Houston-based private FinTech company, founded in 1989, that provides payment processing services exclusively to the U.S. veterinary industry. The company operates from 5858 Westheimer Rd., Suite 712, Houston, TX, and serves veterinary and pet-business clients across all 50 states with a team of 11–50 employees comprised of Certified Payments Professionals. Its core product is credit card processing for veterinary practices, supplemented by a Surcharging program (a compliant 3% credit-card fee pass-through that shifts credit card cost to customers while charging merchants 1.5% + $0.25 on PIN debit), the Practice Management Bridge (an integration module connecting VetPay's payment rails to veterinary practice management software), and a multi-language Software Integration API (Python, Ruby, PHP, .NET) for veterinary ISVs.
Under the hood, VetPay deploys DejavooQD2 smart terminals with automatic credit/debit detection, EMV chip, contactless tap, swipe, and check-via-camera capture, and operates a payment gateway architecture engineered so that card data never traverses the veterinary software vendor's servers, materially reducing PCI scope for ISV partners. The revenue model is transaction-based: interchange-margin on credit/debit processing plus surcharge economics on credit transactions, augmented by ISV profit-sharing on embedded transactions. Go-to-market is sales-led, combining direct inside sales (1-800-994-1714), a Secure Upload Portal for free cost-analysis statement reviews, and a small digital footprint (company website and Instagram @vetpay). No funding rounds, institutional investors, acquisitions, or executive team bios are disclosed in the source data, indicating a likely founder-operated, organically financed private company.
VetPay firmographics
Firmographics- Name
- VetPay
- Legal name
- Vet Pay
- Website
- https://vetpay.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- VetPay is a Houston-based FinTech founded in 1989 that provides credit card processing, surcharging programs, and practice-management-software-integrated payment solutions exclusively to veterinary practices and pet businesses across all 50 U.S. states.
- Ownership category
- akta.pro rank
VetPay industry classification
Industry- Product category
- Veterinary Payment Processing
- NAICS
- Veterinary Services (541940)
- SIC
- Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Veterinary Billing, Payments & Insurance Claims Software (HLAMAMAD)
- akta.pro secondary industry
- Veterinary EMR/EHR & Clinical Workflow (HLAMAMAB)
Keywords
Where VetPay is headquartered
LocationHeadquarters
- HQ city
- Houston
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
VetPay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Credit Card Processing Fees: Transaction-based fees charged to veterinary practices for processing credit and debit card payments. VetPay charges merchants 1.5% + $0.25 per debit card transaction. The company claims very low processing costs compared to conventional banks.
- Surcharge Program: Credit card surcharge fees (3%) passed directly to customers. Merchants pay $0 for credit card transactions under the surcharge program. This allows practices to eliminate their own credit card processing fees by having customers cover them.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Standard Processing |
| Transaction based/ take rate | Pay-as-you-go | Surcharge Program - Credit Cards |
| Transaction based/ take rate | Pay-as-you-go | Surcharge Program - Debit Cards |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
VetPay product offering
Product offeringCore offering
VetPay provides credit and debit card payment processing services tailored exclusively for veterinary practices across the United States. The company equips veterinary clinics with smart EMV terminals, a compliant surcharge program that allows practices to pass credit card fees to customers, and an integration platform (Practice Management Bridge) that connects payment processing with veterinary practice management software. VetPay also offers an API library for software developers (ISVs) building veterinary management tools.
Product overview
VetPay is a FinTech company offering a portfolio of payment processing services specifically designed for the veterinary industry. The core offering is Credit Card Processing, which provides low-cost payment acceptance with EMV chip readers and 24/7 support. This is supplemented by VetPay Surcharging, a fee-pass-through program that allows practices to shift credit card costs to customers. Practice Management Bridge serves as an integration module that connects VetPay's payment services with veterinary practice management software systems. For software developers, the Software Integration API provides libraries in Python, Ruby, PHP, and .NET to embed payment processing capabilities into third-party veterinary software products.
Differentiator
Problem solved
Functional benefit
Brands
- Practice Management Bridge: A platform that interfaces seamlessly with veterinary practice management software, allowing practices to collect, track, manage, report, and reconcile client payments.
Quantifiable outcome
- Surcharge program: Merchant pays $0 for credit card transactions; Customer covers 3% fee
Companies that use VetPay
Customer profileSegments2 records
Ideal customer profiles2 records
VetPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
VetPay partnerships and signals
Strategic signalScale indicators2 records
Recent moves5 records
Expansion highlights3 records
VetPay competitors and assessment
Company assessmentBroad incumbents
- Clover (Fiserv): Clover, a Fiserv-owned point-of-sale and payment terminal platform, competes with VetPay on hardware and software-integrated payment acceptance for SMB merchants including veterinary practices.
- CareCredit: CareCredit (Synchrony Financial) is the dominant healthcare and veterinary financing product in the US, providing pet owners with credit lines accepted at most veterinary practices — overlapping VetPay's mission of making vet care more affordable at the point of payment.
- Global Payments: Global Payments is a large full-service payment processor that competes for veterinary practice merchant accounts via its Heartland and other processing brands, often through ISV partnerships that overlap with VetPay's go-to-market.
- Stripe: Stripe provides payment processing APIs and embedded finance infrastructure used by veterinary software platforms, competing with VetPay's API and Practice Management Bridge integration offering for the ISV channel.
- Block (Square): Square/Block offers general SMB payment processing plus vertical-specific solutions, and is increasingly marketed to veterinary and pet care businesses — competing with VetPay on price, hardware (terminals), and software integrations.
Direct peers
- Rectangle Health: Rectangle Health provides payment processing and practice management technology specifically for healthcare practices including veterinary clinics, mirroring VetPay's vertical-specialist FinTech model with PIMS integrations and surcharge-style compliance tools.
- Scratchpay: Scratchpay offers payment plans and financing for veterinary and pet care clients, competing directly with VetPay's mission of helping pet owners manage the cost of veterinary services via structured payment options.
Emerging players
- iVET360: iVET360 provides veterinary practice management support including payments-adjacent services, sitting in the same vet-tech ecosystem where VetPay's Practice Management Bridge competes for integration mindshare.
- Curb Media (VetPaymentPlans): Curb Media and similar emerging veterinary payment plan providers focus on in-clinic financing workflows, representing a niche but increasingly active competitor to VetPay's payment facilitation and surcharge offering.
Others
- PayJunction: PayJunction is a payment processor with no-card-data storage architecture similar in principle to VetPay's PCI-reduced gateway, and serves SMB verticals including professional services — a relevant technology comparable for VetPay's gateway approach.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
VetPay social profiles
Digital presenceVetPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
VetPay leadership team
Management profileNumber of profiles
VetPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VetPay 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 VetPay
What does VetPay do?
VetPay provides credit and debit card payment processing services tailored exclusively for veterinary practices across the United States. The company equips veterinary clinics with smart EMV terminals, a compliant surcharge program that allows practices to pass credit card fees to customers, and an integration platform (Practice Management Bridge) that connects payment processing with veterinary practice management software. VetPay also offers an API library for software developers (ISVs) building veterinary management tools.
Is VetPay a public or private company?
VetPay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was VetPay founded?
VetPay was founded in 1989. It employs 11 to 50 people.
Where is VetPay based?
VetPay is headquartered in Houston, United States, in the North America region.
How does VetPay make money?
Two revenue lines are on record. Credit Card Processing Fees are the primary driver. The others are surcharge Program.
Who are VetPay's main competitors?
Broad incumbents on record are Clover (Fiserv), CareCredit, Global Payments, Stripe and Block (Square). Direct peers are Rectangle Health and Scratchpay. Emerging players are iVET360 and Curb Media (VetPaymentPlans). PayJunction is listed as an others.
Does VetPay have an API?
Yes. VetPay offers an API library for software developers to integrate payment processing into veterinary practice management software. The API library is available in Python, Ruby, PHP, and .NET. Key benefits include: greater profit sharing on each transaction processed through the software, a personal dedicated account manager, uniform and low rates, fully automated onboarding and approval system, co-branded marketing collateral, and a customized software development kit provided on request along with a free PIN pad for testing. Card data processed through the software never touches the developer's servers, completely bypassing them, which reduces PCI scope. Developer documentation is at vetpay.com/software-integration.
What industry is VetPay in?
VetPay's product category is Veterinary Payment Processing. Its primary akta.pro industry code is HLAMAMAD, Veterinary Billing, Payments & Insurance Claims Software, with a secondary code of HLAMAMAB, Veterinary EMR/EHR & Clinical Workflow. Its NAICS code is 541940 and its SIC code is 6324.