How care managers, advocates, and guardians are quietly paying more than they expect — and what transparent pricing actually looks like.
You’ve probably seen the headline rate. Something like 2.9% + 30¢. It looks reasonable. You maybe even did the math on a few invoices and thought, okay, I can work with that.
But here’s what most payment processors don’t explain up front: that rate almost certainly doesn’t apply to you.
🔍 The “Keyed-In” Reality
In the care management world — whether you’re a case manager, guardian, patient advocate, or care coordinator — clients don’t show up at a point-of-sale terminal and swipe a card. Payments are processed manually: someone keys in a card number on a computer or phone. This is called a keyed-in transaction.
And keyed-in transactions come with higher rates. Every major payment processor charges more for them because, without a physical card present, there’s greater risk of fraud. That’s a reasonable business decision on their part — the problem is that many platforms bury this in the fine print or don’t explain it at all.
The result? A lot of care professionals are being surprised by their actual processing costs after they’ve already committed to a platform. The advertised rate was for card-present swipes. Your rate — the keyed-in rate — is higher.
📊 The Real Numbers, Side by Side
My Junna believes you should see the full picture before you decide. Here’s how the keyed-in rates actually compare across common options:
| Processor | Keyed-In Rate | On a $1,586.68 invoice, you receive… |
|---|---|---|
| ✅ Junna Pay | 3.30% + $0.10 | $1,534.06 |
| Stripe | 3.40% + $0.30 | $1,532.40 |
| QuickBooks Payments | 3.50% (+ $0.30 on some plans) | $1,530.95 |
The difference might look small on one invoice. Over a full year of billing, it adds up — and it’s money that should stay with you and your practice.
💡 Want to Keep Even More? Add a Convenience Fee.
My Junna gives you the option to pass a 2.99% credit card convenience fee directly to your client at checkout. It’s completely optional, fully transparent, and your client will see it clearly before they pay.
When you use this feature, your net cost per transaction drops to just 0.31% + $0.10. On that same $1,586.68 invoice, that means more revenue stays in your pocket — automatically.
Not comfortable passing the fee along? That’s okay. The convenience fee is entirely optional. You’ll still benefit from Junna Pay’s competitive rates and everything else the platform offers.
🏦 Lower Fees Are Just the Beginning
Junna Pay isn’t just about processing rates. It’s built into the same platform where you manage your clients, track your cases, and run your practice. Here’s what that means in practice:
One system for everything. No more switching between your billing tool and your care management software. Client data, invoices, and payments all live in the same place — which means less time on administration and fewer opportunities for things to fall through the cracks.
ACH payments available. Clients can pay via bank transfer (ACH), which typically carries even lower processing costs than credit cards. It’s a simple option that can meaningfully reduce your fees while also making it easier for clients who prefer not to use a card.
Cleaner workflows, fewer tools. Every platform you eliminate from your day-to-day is one fewer login, one fewer subscription, and one fewer thing that can break. Junna Pay is designed to fit naturally into how care professionals already work.
A note on transparencyMy Junna is committed to showing you exactly what you’ll pay — before you commit. No fine print surprises. No discovering your “advertised rate” doesn’t apply to how you actually process payments. Just honest, straightforward pricing for the way this industry actually works.
If you’re already a My Junna customer and want to explore Junna Pay, you can review the transaction fee details here.
Not yet a My Junna customer? We’d love to show you how the platform can help your practice run more smoothly — and more profitably.
