Ray Payment Solution (RPS) allows clinics to accept cashless payments from patients.

Cashless/Online Payments:

Cashless payments, as a part of RPS allows clinics to collect online payments from patients through Prato powered SMS. Some salient benefits of RPS – Cashless Payments are as follows:

  • This feature is made available absolutely free of cost to all Ray customers.
  • Clinics do NOT need to invest or maintain any hardware for using RPS Cashless Payments.
  • There are no explicit costs in using the feature. There’s only  a transaction fee, which is essentially a payment to our vendor for enabling collection of online payments.

We, at Practo, strive to provide the most competitive transaction rates to all our customers and this is an ever ongoing process.

Below are the transaction rates applicable as per a clinic’s Ray subscription plan.

  1. A transaction cut of 1.8% (excl of ST) will be applicable for the following plans:
    1. Ray CM
    2. Ray 360
    3. Ray Pro
  2. A transaction rate of 2.0% (excl of ST) will be applicable for the following plans:
    1. Ray Atom
    2. Ray Starter
    3. Ray Personal
    4. Ray Basic
    5. Ray Professional
    6. Any of the above plans with specialty EMR
Service Tax (ST) of 15% is applicable on the transaction cut.

Ray Card Swipe (on Tab):

Ray Card Swipe device allows patients to pay by swiping their credit/debit cards at the clinic. The device connects with the Ray Tab and provides an integrated billing solution.

The following rates are applicable in transactions done using Ray Card Swipe,

  • Transaction fee of 0.75% applicable on debit card transaction of less than Rs.2,000.
  • Transaction fee of 1% applicable on debit card transaction of more than Rs.2,000.
  • Transaction fee of 1.4% applicable on all credit card transactions.
Service Tax (ST) of 15% is applicable on the transaction cut.