How it works
How Arlo runs your payments.
A fully disclosed, card-brand-compliant dual pricing program, run by an employee who reports everything.
The program
ARLOCHOICEDual pricing. Zero-cost processing.Two posted prices, fully disclosed, and a patient who chooses. Here is exactly what happens at the front desk.
01 / POST
Post
Compliant signage is posted so the patient knows their payment options before checkout. At checkout the patient is offered CASH or CARD.
02 / PRESENT
Present
The terminal presents the total with the CARD PRICE alongside the CASH PRICE; the cash price is listed 3.99% lower than the card price.
03 / PAY
Pay
If the patient chooses card, the terminal processes the full card price and the 3.99% differential covers the processing cost. If the patient chooses cash, they are rewarded with the lower price and the practice benefits from immediate payment and lower accounts receivable.
Checkout / terminal view
Stop paying for your patients' airline miles and credit card reward points.
Not surcharging
Dual pricing is not a surcharge. The difference is who decides.
Owners who have only heard of surcharging expect a fee at the end. Dual pricing starts the conversation before the card comes out.
Surcharging
A fee at the end.
- A fee is added on top at checkout, after the patient has decided to pay by card.
- Restricted or capped in some states, with rules that change.
- Debit cards cannot be surcharged, so the rule differs by card type.
- Patients see a line item they did not expect.
Arlo Choice
Two prices up front.
- Two posted prices are shown up front, before checkout starts.
- Consistent across payment types: one card price, one cash price.
- The patient chooses, and the cash price is a real discount.
- Disclosed on signage, on the terminal, and on the receipt.
This page is general information, not legal advice. Program disclosures are managed through North.
How Arlo behaves with money
An employee you can supervise as much as you want.
Arlo works on a ladder. Each job in the practice sits on one rung, and only you move it up. Nothing that touches money starts above draft.
You promote Arlo one job at a time. Every action, at every level, is in the audit trail.
LEVEL 1
Watch
Arlo observes and reports only.
LEVEL 2
Every practice starts hereDraft
Arlo prepares pay-links, reminders, and plans, and waits for your approval. This is where every practice starts for anything that moves money.
LEVEL 3
Act and tell
Arlo executes routine tasks and reports them in the brief.
LEVEL 4
Run it
Workflows you fully trust run autonomously, always logged.
Getting started
Four steps. Then Arlo takes the morning.
Most practices are live within days of approval.
Step 1
Apply
A short application. Arlo AI handles the paperwork with North.
Step 2
Approve
Underwriting and your merchant account through North.
Step 3
Install
Compliant terminal, signage, and dual pricing configuration shipped and set up.
Step 4
Meet Arlo
Processing goes live. The morning briefs start day one.
Equipment
Terminals that already know the program.
Countertop and handheld terminals from the certified dual pricing lineup, configured before they ship. No leasing contracts.
- Certified by North for the dual pricing program: both prices on screen, on the receipt, and on the signage.
- Countertop for the front desk, handheld for the operatory.
- The exact lineup is confirmed with you during onboarding.
Run your numbers
What would your practice keep?
Put in last month's card volume. The calculator shows what stays in the practice under Arlo Choice.
Questions owners ask
Straight answers.
The questions every office manager and owner asks before switching.
Put Arlo to work.
The interview takes five minutes. Arlo starts the day your account is approved.