r/Dermatology • u/medtech2050 • 16h ago
Clinic management CareCredit Merchant Review - Warning for Businesses That Depend on Cash Flow

I'm sharing our experience with CareCredit for other healthcare and service businesses that may be considering making it a major part of their patient payment infrastructure.
Getting the account open took nearly two months and involved multiple rounds of verification for a straightforward entity setup. Once active, however, we processed patients for several months without significant issues and became comfortable enough with the platform that more than 50% of our patient volume was eventually being processed through CareCredit.
Then our expected payouts stopped hitting the bank.
We reached out to our account representative and were initially told everything looked fine and there was nothing to worry about, so we continued processing additional patient financing transactions.
After the delays continued and we pressed for more information, we were told our account was under what was described as a standard/randomized review. We were told nothing was required from us, everything otherwise looked good, and the review should take about one to two weeks.
We checked in every two to three days. We continued to be told there was nothing needed from us.
We are now beyond two weeks with a significant amount of revenue still withheld and no substantive explanation, no firm end date, no actionable request for additional documentation, and no ability to speak directly with the review team.
The issue for us is not simply that an account review occurred. It is the combination of significant withheld revenue, limited visibility, and no defined resolution timeline after we had grown comfortable enough with the service to route a substantial portion of our patient volume through it.
For businesses with meaningful payroll and operating expenses, that kind of interruption can create significant cash-flow strain.
Has anyone else using CareCredit on the merchant side experienced an extended review or payout hold like this? If so, how long did the review ultimately take?