Credit Card Processing Integration - XCharge Feedback

[opensource]

Hello Team,

First, Congratulations Dr. Jordan on achieving yet another milestone from an integration perspective (by integrating a Credit Card Processing Company with OD). BTW, was not able to find the user guide details on how the integration works (I guess the manuals will get updated with the General Availability release of 5.0). Is the backend of X-Charge also on mySQL ?

Team : Any feedback on your experiences with X-Charge. What are the rates that they are charging you. How is the Support & Customer Experience ?. I have already completed the Pre-Application Process so, I am sure I will hear back from them soon but wanted to get some feedback from the OD community before deciding on the next steps.

Cheers,

OpenSource

[murmsk]

I too have just signed up and haven't used them yet. The sign-up was easy and friendly. The fees they quoted me are 1.77% - 1.87% depending on the card plus $10 a month

steve

[Nate]

Any idea if that $10 monthly fee is for Visa and Mastercard, or is each seperate? Also what fees for American Express or Discover?

[murmsk]

$10 total

[enamelrod]

so how is the credit card processing going for everyone?

[abelaguilar]

NOt good so far.

We still haven't figured out how to get the dymo label printer to work. You need a thermal printer to print the CC receipt that the patient signs.

[abelaguilar]

Hello all just wanted to say that we got the dymo label writter 400 working.

Xcharge and their technical support helped me change some settings and it works really nice and smooth.

[abelaguilar]

for anyone interested:

To configure dymo label writter 400.

do not use a parrallel printer port to connect your printer. We had an old trusty laser.

if you do have this. move it to a non xcharge computer and network share the printer.

also, in open dental change your printers to your network printer, however, in the computer using xcharge, change single label to your dymo label writter 400.

in the windows printer driver for dymo label writter 400 you need to select paper type of continuous wide. There are two places where this needs to be done , but can't remember right now .


also, in the xcharge software, you need to select paper type as continuous wide if you are printer using the thermal printer paper.

their tech support is pretty good.

[enamelrod]

so now that you been using this for a month what are the plus and minus, does it fully integrate with OD, or do you have to double enter values

[abelaguilar]

Works Great!!! Automatically makes the entry into open dental. No problems once the setup was done correctly.

[jordansparks]

We've been using it with no problems.

[fschiopu]

I’m using x-charge for more than one year (before it was integrated in
OD). I tried to activate the new feature in OD so I don’t have to
double enter the payment, but I was getting an error about
X-ChargeXResults.txt file missing. I created an empty file in the
directory requested but still not functioning properly. Can you tell
me what other modifications need to be done to x-charge to fully
integrate with OD.
Sincerely,
Florin Schiopu DDS

[abelaguilar]

I would recommend you give xcharge a call. Their tech people can help you and quickly solve this.

[fschiopu]

Hi,

I called the tech support but they don't seem to know much about the OD integration. I want to know what needs to be done to avoid the double entry of the amount. When I open the payment window and enter the amount pressing the x-charge button just brings up the x-charge terminal window with no entries. On the other hand not making any entries in the payment window and entering the amount in the x-charge terminal only, doesn't save the amount back in the account module. According to them everything is set-up correctly. They don't know anything about the X-chargeXresults.txt file.

[jordansparks]

I would go ahead and delete your blank file. Does the folder in question have any security restrictions on it? Also, maybe there's a menu option in the x-charge program to turn on creation of that file. Or maybe your version of the x-charge program is too old.

[fschiopu]

The problem was the X-charge version. After upgrading to version 6.2.0 (from 6.0.3) everything works like a charm. Thank you again.

[opensource]

Hello X-Charge Users,

Planning to move to X-Charge but was wondering if something can list the Pros and Cons as compared to any other credit card processor.

Also, what are their credit card processing rate. Were they less expensive than your previous providers ?. How long did it take for you to move to them ?

Cheers,

OpenSource

[sparkly]

Hello X-Charge Users,
Planning to move to X-Charge but was wondering if something can list the Pros and Cons as compared to any other credit card processor.
Also, what are their credit card processing rate. Were they less expensive than your previous providers ?. How long did it take for you to move to them ?
Cheers,
OpenSource

i'd also like to know this, especially the fees (hidden and otherwise) now that some users have gotten their bills.
thanks.

[enamelrod]

is any office using xchage autodebt for credit cards several of our have auto debts set up with there credit cards to finance their treatments? can xcharge or OD be set up to auto debit every month

[opensource]

Hello,

Not sure how many of the OpenDental users community are using X-Charge ?. Wondering if X-Charge users can provide feedback that will help me / others take a decision.

Today, I have initiated a 'Finanical Analysis' with X-charge to find out if they can offer me competitive credit card processing rates. Ofcourse, this will be only one of the criteria to decide on whether I should switch or not.

X-charge Rep tried to dodge the question around how long will the contract duration will be if I sign-up with them. After asking to get a straight answer, He mentioned 3 years...I am still trying to understand on why am I signing the contract when there are no freebies included

Request : OpenDental Users who are currently signed up with X-Charge....appreciate if you can share your feedback (good or bad) about your experience with X-Charge.

Cheers,

OpenSource

[abelaguilar]

Hello:

We use xcharge and it work great with open dental. Honestly, I haven't loooked into detail as to the rates compared to my prior merchant provider.

We use the dymo label printer with it and works nice.

[sparkly]

anyone else have info to share after using xcharge for a while?

[sparkly]

anyone else have info to share after using xcharge for a while?

[enamelrod]

is there anyway to set up auto debiting or cc billing up in open dental and xcharge. we have several clients that are what we call VIP checkout patients. they either pay there all of their appointments on their creditcard or we bill their insurance and the remainder goes on their credit card. some people also splt their payments in two portions on their credit cards. the problem i have is that OD has no way to secure cc # and xcharge doesnt allow you to set up autodebit. does anyone have any advise on how to set up a autodebit system in xcharge or OD that doesnt leave me exposed to liability of having cc# stored in patients files?

[jordansparks]

Can't you store the CC# in X-Charge? I was under the impression that you could.

[enamelrod]

no not that Im aware of?

[Sean McAnally - X-Charge]

OpenSource,

I'm sorry to hear that your experience was less than ideal. We can't offer free equipment to some users and not others. We are already offering the software at no charge. We were not able to perform the merchant statement analysis immediately because there were others waiting for their own analysis. But I thought I would let you know that we can save you 7%.

I will do my best to assist all Open Dental users and to be as honest and thorough as possible.

[enamelrod]

when you use x charge it prints a merchant copy and a customer copy of the receipt. is there a way to have a copy of this go directly into opendental in an image folder so we dont have to print and scan. a print to file function?

[Sean McAnally - X-Charge]

There is currently no signature capture device that works in this integration (it is on our "to-do" list here at X-Charge). So an electronic file could not be saved in lieu of keeping a receipt. There is an online method of reviewing the information about receipts through GAA access. If you do not have it already, you may request access through X-Charge Customer Service 1-866-232-7526. Your account takes a few days to establish and it is included in your X-Charge account $10 monthly statement fee.

If you have any questions about the GAA account, you can call Customer Service or myself.

[opensource]

OpenSource,

I'm sorry to hear that your experience was less than ideal. We can't offer free equipment to some users and not others. We are already offering the software at no charge. We were not able to perform the merchant statement analysis immediately because there were others waiting for their own analysis. But I thought I would let you know that we can save you 7%.

I will do my best to assist all Open Dental users and to be as honest and thorough as possible.

Hey Sean,

Since you are on this forum, can u explain on why does one need to sign-up for the 3-year contract ?. I had signed a 2 year contract with my current provider, since they gave me the Hypercom T7 free, so..I guess in some way...I knew why I was signing the contract but in the case of X-charge..why the contract ?

Cheers,

OpenSource

[Sean McAnally - X-Charge]

Hey Sean,

Since you are on this forum, can u explain on why does one need to sign-up for the 3-year contract ?. I had signed a 2 year contract with my current provider, since they gave me the Hypercom T7 free, so..I guess in some way...I knew why I was signing the contract but in the case of X-charge..why the contract ?

Cheers,

OpenSource

Dear OpenSource,

The three-year contract is an industry standard term. Other than our competitive rates, we offer the following:

1) Free X-Charge software, a $199 value for a single station, $399 for a multi-terminal license.
2) Waiving of the $99 application fee for processing.
3) The time and resources from both the X-Charge and Open Dental staffs to offer you this integrated solution.
4) In the monthly cost of X-Charge, included are unlimited technical support calls and upgrades.
5) One company that is responsible with the processing and account assistance (as opposed to two separate companies, one for hardware and one for the merchant account).

Without getting into specific dollar amounts in your particular case, I invite you to do the math and re-evaluate the true cost of that “freeâ€Â

[articaine]

I too have just signed up and haven't used them yet. The sign-up was easy and friendly. The fees they quoted me are 1.77% - 1.87% depending on the card plus $10 a month

steve

1.77-1.87% is higher than the 1.33% i get thru bankcard plus $15 monthly. the x-charge looks attractive, but for a high volume office i'm sure that 0.5% adds up.

[Sean McAnally - X-Charge]

I too have just signed up and haven't used them yet. The sign-up was easy and friendly. The fees they quoted me are 1.77% - 1.87% depending on the card plus $10 a month

steve

1.77-1.87% is higher than the 1.33% i get thru bankcard plus $15 monthly. the x-charge looks attractive, but for a high volume office i'm sure that 0.5% adds up.

Articaine,

Recently, we did an analysis for an office with exact same rate as you mentioned in your post. After completing the analysis, X-Charge's effective rate was 9% less than that other processor's rates. I suggest you get that courtesy (aka FREE) analysis from us to see what we can do for you, your office and ultimately (with the integration) your staff. No more batching out each evening, trying to figure out what happened to the $9.00 missing because someone keyed in $112.00 instead of $121.00...

This is not uncommon to see a low "advertised" rate and still have it come out higher than our less-sexy "you see what you get" rates.

You, as a merchant, face what are called "surcharges." Every processor pays the same wholesale (known as INTERCHANGE) rate. The key to most processing accounts is the percentage of the surcharges. Surcharges are fees that are added on to your base rates for rewards, mid and non-qualified cards such as GM MasterCards, Amazon Visas, American Airlines Mileage cards and the like. You, as a merchant, also pay additional fees when a card number is keyed-in and not swiped with a card reader.

There are over 60 variations of cards out there and most of them are subject to surcharges. X-Charge doesn't play games like making the "advertised" rate too good to be true and then taking you for a ride on the surcharges, excess authorization fees, etcetera... That's why I disclose our rates and surcharges on the X-Charge worksheet that I send out once a lead has been verified.

See, when something is below or right at cost, there is, or will be, a problem. Those processors are not going to give you something for free. They are not a charity. Period. They've got to make money somewhere. You can chase price all day long, what you end up with is a raw deal.

Yes, that +0.5% adds up... $131.16 in savings over a year if that office was using X-Charge in that one case I referred to. I'm sure that the integration will also benefit that office and yours greatly too.

Let's not waste any time - My fax number is 702-446-0396. Send your recent merchant statement to me, include a cover sheet so that I have your contact information. I'll have our Accounting Department put it in black and white for you.

All the best and have a great weekend!

[mvoschin]

Hey Sean,
I was wondering what other monthly charges apply besides the 3 year contract? Additionally, what is the cancellation fee, in case we would not be happy with your service along those 3 years?

Thanks

[caringdentists]

mvoschin ,
Your question was quite timely. During my verbal conversations with X-Charge, I specifically asked about any recurring monthly fees. (I did not want to setup another card processing fee with monthly dues for x number of years.) I almost signed the faxed contract, when I was surprised to see the recurring monthly fee.
In trying to resolve this issue, I was asked to go through my current card processing statements and do an comparison analysis. I suppos I could have done the comparison analysis since I am never busy. X-charge is willing to do the comparison analysis for you . I can't speak for everyone else but I get card processing companies almost every week wanting to do this "comparison analysis" with a x years contract.

[mvoschin]

Depends on how close you want the integration to be done. My understanding is that there is 10$ monthly fee and another 10 for support? If my calculations are correct that would be another 720$ for 3 years on top of everything. I had a quote from a Citizens bank representative for of 540 for the computer based terminal but it would be a standalone program. We got to hear it from actual X-charge users.

[Sean McAnally - X-Charge]

Hey Sean,
I was wondering what other monthly charges apply besides the 3 year contract? Additionally, what is the cancellation fee, in case we would not be happy with your service along those 3 years?
Thanks

The cancellation fee is the equivalent of the balance of your 3-year contract's minimum monthly fees.

These are the disclosed rates that are sent on our worksheet.

Visa/MC+Disc (Retail) Discount Rate 1.77% (Visa) / 1.87% (MC/Disc) Per Item Rate $ 0.19
Visa/MC+Disc (Debit) Discount Rate 1.49% Per Item Rate $ 0.23
Rewards Surcharge: 0.30% Non-Qualified Surcharge: 1.52%
Main: Additional location(s):
Monthly Statement Fee $ 10.00 $ 5.00
Monthly XCharge Support $ 10.00 $ 5.00

No start-up fees, no membership or annual fees, no long-term lease requirements, no per call technical support fees.

[Sean McAnally - X-Charge]

mvoschin ,
Your question was quite timely. During my verbal conversations with X-Charge, I specifically asked about any recurring monthly fees. (I did not want to setup another card processing fee with monthly dues for x number of years.) I almost signed the faxed contract, when I was surprised to see the recurring monthly fee.
In trying to resolve this issue, I was asked to go through my current card processing statements and do an comparison analysis. I suppos I could have done the comparison analysis since I am never busy. X-charge is willing to do the comparison analysis for you . I can't speak for everyone else but I get card processing companies almost every week wanting to do this "comparison analysis" with a x years contract.

Dr. Reyes,

On March 12, I sent you the information via e-mail during our telephone conversation, the e-mail included the worksheet with the monthlies clearly noted in the "Rate Quote" section Two days later, after you completed the worksheet, I sent you the pre-filled application. After 6 telephone calls, including me leaving messages for you, then you go into the monthly cost issue. As I stated in my e-mail directly to you, the conversation jumped after you saw the tutorial on X-Charge that was on the Open-Dent.com website. When you received that link, you asked "How do I sign up?" I followed your lead on the telephone call to discuss what you wanted to discuss. The materials were in your possession via e-mail. I also addressed your concern prior to your posting in this topic via an e-mail.

These are the disclosed rates that are sent on our worksheet.

Visa/MC+Disc (Retail) Discount Rate 1.77% (Visa) / 1.87% (MC/Disc) Per Item Rate $ 0.19
Visa/MC+Disc (Debit) Discount Rate 1.49% Per Item Rate $ 0.23
Rewards Surcharge: 0.30% Non-Qualified Surcharge: 1.52%
Main: / Additional location(s):
Monthly Statement Fee $ 10.00 / $ 5.00
Monthly XCharge Support $ 10.00 / $ 5.00

No start-up fees, no membership or annual fees, no long-term lease requirements, no per call technical support fees.

[caringdentists]

I always say, "...no softer pillow than a clear conscience..."

Be upfront and be transparent.