Per ACH payment
$8.00
$3.00 CareVieo fee + Stripe processing (0.8%, max $5)
Savings calculator
How Much Could Your Home Care Agency Save With CareVieo Pay?
Enter a few details about your agency's monthly billing to estimate your payment-processing costs, potential administrative savings, and cash flow improvements.
- Approximately 2 minutes to complete.
- No account required to calculate.
- Free personalized savings report.
CareVieo Pay helps private-pay home care agencies collect payments from families without replacing their existing scheduling or care management software.
CareVieo Pay savings
See what you’d save
How families pay
70% ACH30% card
Plan billing
Save $1,837 a year vs QuickBooks
Payment fees only · plan cost shown below
| Provider | ACH fees / month | Card fees / month | Total / year |
|---|---|---|---|
| CareVieo Pay | $56.00lowest | $270.00 | $3,912.00 |
| PayPal Invoicing | $70.00 | $270.57 | $4,086.84 |
| Square Invoices (Free) | $210.00 | $297.90 | $6,094.80 |
| QuickBooks Payments | $210.00 | $269.10lowest | $5,749.20 |
Per card payment
$90.00
QuickBooks: $89.70
PayPal: $90.19
After plan cost
You keep $1,009 a year after the plan
$828 yearly plan cost.
Plus invoicing, hours import and the family portal.
Recommended: CareVieo Pay$69/month
Monthly billing · 30-day free trial · no setup fee
Fees from each provider's published U.S. pricing, November 2026. CareVieo Pay bank payments: $3 CareVieo fee on monthly plans ($2.50 on annual) + Stripe processing (0.8%, max $5); card payments are 2.99% + 30¢ per card payment for U.S. cards. PayPal ACH 1% capped at $10; Square Free plan ACH 1%; QuickBooks ACH 1%, uncapped for accounts opened after Sept. 2023. Competitor software subscriptions not included. Assumes one payment per client per month. Rates can change; volume discounts may apply.
See the detailed breakdown
Scenarios, office time, cash flow and advanced fee settings.
Enter the total amount invoiced to families each month, before payment-processing fees.
This helps us estimate the number of payments and select the appropriate CareVieo Pay plan.
About $2,500 per family a month
What percentage of your families currently pay by credit or debit card?
Example starting point: 40%. Change it to match your agency.
Who currently pays your card-processing fees?
Scenario
20% of card payers switch to bank · 10% less office time. Hypothetical assumptions, not CareVieo customer results.
Advanced Settings — Customize Your Estimate
Every default below is an assumption you can change, not an established customer result.
Card payers expected to switch to bank
Reduction in office collection time
What your processor charges per card payment today.
Per card payment, if any (for example $0.30).
Chasing, posting and reconciling payments.
Our assumption; change it if you like.
Only if CareVieo Pay would replace it. Leave 0 if not.
CareVieo Pay billing plan
Your estimate
CareVieo Pay vs. other providers
CareVieo Pay vs. Square Invoices (Free): you'd pay about $562 less a month ($6,739 a year) in payment fees.
- CareVieo Pay$1,178
- PayPal Invoicing$1,235
- Square Invoices (Free)$1,740
- QuickBooks Payments$1,637
Payment fees for the same 27.2 bank and 12.8 card payments a month. Other providers' software costs (such as QuickBooks Online or Square Invoices Plus) are not included.
Estimated Added Cost
$131/mo
Estimated added cost a month, after the subscription
- Current estimated processing costs
- $1,196
- Projected CareVieo Pay processing costs
- $1,178
- CareVieo Pay Unlimited subscription (monthly plan)
- $149
- Added cost
- $131
Potential Administrative Time Recovered
2 hrs
Worth about $50 a month · about $600 a year
Time savings represent potential operational capacity gains and may not result in equivalent cash savings.
Potential Cash Available Sooner
$33,333
One-time, with families paying 10 days sooner
This is an estimate of improved payment timing, not additional revenue or profit.
Why this number
- Same payments, moved to CareVieo Pay
- $197 added cost
- Card payers switching to bank
- $215 saved
- CareVieo Pay Unlimited subscription
- $149 added cost
- Added cost a month
- $131
| Card | Bank (ACH) | |
|---|---|---|
| Today | $74.75 | $0.00 |
| CareVieo Pay | $75.05 | $8.00 |
CareVieo Pay pays for itself from about 336 families (228.5 bank payments a month) at this invoice size, on CareVieo Pay Unlimited.
ACH bank payments — maximum $8 per eligible transaction. Cards 2.99% + 30¢ per card payment.
How We Calculated This
At this payment mix your agency's costs go up by about $131 a month, including the CareVieo Pay Unlimited subscription.
About 2 hours of office time back each month (worth $50), and about $33,333 available sooner, once, when families pay 10 days sooner.
- Conservative scenario: 20% of card payers switch to bank and office collection time drops 10%. These are editable modeling assumptions, not CareVieo customer results.
- $100,000 billed a month to 40 families (about $2,500 per family, 1 payment per family a month).
- 40% of families pay by card today at 2.99% per payment; bank payments cost $0.00 each today.
- With CareVieo Pay, card payments cost 2.99% + 30¢ per card payment. Bank payments cost Stripe's 0.8% (max $5) plus the CareVieo fee ($3.00 on monthly plans, $2.50 on annual). ACH bank payments — maximum $8 per eligible transaction.
- Plan: CareVieo Pay Unlimited on monthly billing ($149/month). CareVieo Pay covers up to 30 families billed a month; Unlimited above that. 30-day free trial, no setup fee.
- Today your agency pays the card fees.
- Office time: 20 hours a month at $25/hour. Time savings represent potential operational capacity gains and may not result in equivalent cash savings.
- Families pay 10 days sooner than today's 20 days: a month of billing ÷ 30 × days sooner. This is an estimate of improved payment timing, not additional revenue or profit.
- Estimates only. Stripe's $4 failed bank debit and $15 dispute fees are charged to your own Stripe account and are not included.
Compare providers: fee details
| Provider | Bank (ACH) fee | Card fee | Total a month | Difference vs. CareVieo Pay | Not included | Rate source |
|---|---|---|---|---|---|---|
| CareVieo Pay | $2180.8% (max $5) + $3.00 · maximum $8 | $9612.99% + 30¢ | $1,178 | — | Subscription $149/month, included in your net savings | Published rate · carevieo.com/pay/pricing · checked 2026-11-09 |
| PayPal Invoicing | $2721% (max $10.00) | $9632.99% + $0.49 | $1,235 | $57 more | No invoicing subscription required | Published rate · paypal.com/us/business/paypal-business-fees · checked 2026-11-04 |
| Square Invoices (Free) | $6801% (min $1.00) | $1,0603.3% + $0.30 | $1,740 | $562 more | Free plan; Invoices Plus subscription not included | Published rate · squareup.com/us/en/invoices/pricing · checked 2026-11-04 |
| QuickBooks Payments | $6801% | $9572.99% | $1,637 | $459 more | QuickBooks Online subscription not included; pay-as-you-go rates (1% bank fee, no cap). Desktop and legacy plans differ | Published rate · quickbooks.intuit.com/payments/payment-rates · checked 2026-11-10 |
Estimates are based on the inputs and published pricing assumptions shown. Actual charges may vary by provider, payment method, transaction eligibility, and account terms.