SIF Health & Safety-net Support Centre

Say goodbye to high processing fees, slow payments, and manual reconciliation. Take payments at a cheaper rate than cash, and receive your payments quicker with no charge backs.

This a flat rate of 0.49% for all payments online and offline* with instant payment, we are also offering FREE payments until the 1st February 2022.

*offline means that payments can be made by sending a payment link via SMS or a client scanning a QR code to initiate the payment. It means whether it's at the end of the session and they're in front of you or they're on the phone etc then the payment solution works.

Simply click 'get started' in the dashboard, and within 60 seconds, you'll be signed in and ready to go.  See here for how to use take payments through Crezco.

How to set-up the new payment processing account:

Step 1: From your business dashboard select get started on the payment line.

Step 2: It will then take you to a Crezco page.  They are regulated by the FCA and as a result require you to provide a few details to meet the legal requirements. Select the 'sign up with email' button as circled below

Step 3: Verify your email: Enter your email address and click the send code button just beneath it. This will then send a code to your email address which you'll need to input.

Step 4: Complete the rest of the form and save.

Step 5: Link your bank account. You'll be asked to select your bank account from the list and log in. This confirms to Crezco who owns the bank account and where to send payments from.  On completion you'll be returned to SIF.

FAQs:

1. What does offline payments mean? Offline means that payments can be made by sending a payment link via SMS or a client scanning a QR code to initiate the payment. It means whether it's at the end of the session and they're in front of you or they're on the phone etc then the payment solution works. 

2. How do I take an offline/in person payment? Please watch the 'How to take payments both up front, and on the day' video above from 2mins 9 seconds.

3. How can I mark an appointment as paid by other means? Yes you can still do this, it just requires a manual process rather than being automated.  Please watch the 'How to take payments both up front, and on the day' video above from 1min 15 seconds to see how. 

4. Does this affect Stripe? Due to the continual problems with Stripe we have removed the option to sign up if you're not already. For those signed up then an option to pay by card will appear for your clients for the next month or so while we test that the Crezco process works well before switching Stripe off. Existing charges will apply for Stripe payments in the interim.

5. Invoicing: For help regarding invoicing then please see here.  

6. How do I process a refund? At present if a client cancels then as you have their money you will need to make a bank transfer back to them. This is the only part of the process that requires some manual effort however it does mean you are in full control of if/when you refund the money depending on your terms and conditions.  In forthcoming releases we will be implementing a quicker solution for the banks that have this functionality in place which is still slightly limited at the moment. 

7. Do I need to login to the Crezco account?

No. They require some information in order to meet the legal 'Know Your Customer' requirements that FCA regulated firms have to meet but once you've done the initial set up then all the relevant information is in your SIF Health account. This 

8. The invoice says paid but my Crezco account says the payment didn't complete?

In such a situation it is normally that the client has started to pay via bank transfer/Crezco but has then change their mind and paid by card/Stripe. If you view the invoice view Financial then Invoices and scroll down you will how it was paid.  It is for reasons such as this that we recommend just viewing payment information within SIF in order to get the full picture.

9. How does it look from a clients/patients perspective?

It varies depending on the clients bank but in summary once they get asked to pay they are asked to choose their bank, login to their online booking and authorise the request to pay you the amount of the service. If it's being done on a laptop then the client is shown a QR code with the option to scan and take them on to a mobile for payment which can be quicker with the facial recognition or finger print type authentication options.  

10. Is it secure and what does it mean from a data perspective? 

It is more secure than card payments as the payer is logging in to their own bank and making payment, not through SIF or Crezco.  We just take the payer to their bank, and let the bank know who the client is going to pay so they don’t have to type it themselves, it saves them time and avoids any errors or potential fraud.

For the payer then the processor (we use Crezco) only sees the bank account used and the amount they paid.

For the beneficiary then processor (Crezco) requires a one-off read access to your bank account that will be used to receive the funds. They use it to get correct account routing information: Exact account name, sort code and account number. It is exceptionally important, as any error in this data would lead to payments being declined at best and lost at worst.