CASE STUDY
www.cardinalhealth.com
HELPING INDEPENDENT
PHARMACIES LEVERAGE
CURRENT PAYMENT TRENDS
Many consumers prefer community-based, independent pharmacies for their high-
touch approach and personalized care. At the same time, however, there’s an increasing
demand for added conveniences such as in-store or online shopping and curbside
pickup or at-home delivery. Pharmacies also find that customers want access to the
latest payment options such as text-to-pay, tap-to-pay, Apple Pay, and Google Pay.
Keeping up with current payment trends may seem daunting — but Cardinal Health is
making it easy with its new Modern Payments Processing solution.
MODERN PAYMENTS PROCESSING – POWERED BY SQUARE
The Modern Payments Processing solution is the result of a collaboration between
Cardinal Health and Square. The two also worked closely with BestRx, the first
pharmacy software system to integrate with Square, to ensure the solution was
designed to meet the unique needs of independent pharmacies and their patients.
Using Square’s hardware, software, and card processing, Modern Payments Processing
handles all types of payments — from in-person at the point of sale to online and mobile.
This eliminates the need for multiple solutions and helps streamline operations for
an easier, more efficient experience. Plus, Square handles all payment fraud, risk, and
disputes. They are also Payment Card Industry (PCI) certified, which means payments
always comply with current regulations.
ENHANCED CUSTOMER SERVICE
With Cardinal Health’s Modern Payments Processing, pharmacies can funnel payments
through a single processor for the range of flexible payment options consumers expect
today. Cardinal Health also offers an e-commerce solution, Pharmacy Marketing
Advantage Commerce, that leverages Square’s Web Payments SDK. This allows
customers to place online orders through the local pharmacy, make payments, and
choose from their pharmacy’s delivery or pickup options. By integrating a range of
payment types through Square — pharmacies can reduce the time spent managing
several processing platforms, freeing them up to focus on delivering the personalized
care patients value so much.
BENEFITS
At-A-Glance
AFFORDABLE
Discounted rates for both card present
and not present transactions and
cost-effective hardware.
PCI CERTIFIED
Square ensures your payments are
compliant with current regulations.
OPERATIONAL EFFICIENCY
Complete transactions anywhere
— in-store, in the field when making
deliveries and online.
TRUST
Square is used by 3.5 million small
businesses and processes over
100 billion transactions annually.
CASE STUDY
www.cardinalhealth.com
TRANSPARENT PROCESSING COSTS
With this collaboration, Square offers Cardinal Health independent pharmacies a
discounted and fixed processing rate. This includes card present and not present
transactions for online or at-home delivery purchases.
“I was very concerned about the rising cost of card processing — fees on top of fees,”
says Imad Karaze, owner and pharmacist in charge for Beaumont Pharmacy. He also
saw line items on his card processing invoices that made no sense. “I was looking for
more predictable costs.” The Modern Payments Processing solution gives him just that,
he says. “Now I know what each transaction will cost — every time, all the time.”
Vijay, a pharmacist at Marble Hill Pharmacy and one of the very first to pilot the program,
agrees. “The solution is very easy to use, and because Square provides flat rates, I don’t
have to worry about additional processing fees as with other processors.”
INCREASED OPERATIONAL EFFICIENCY
Implementing the Modern Payments Processing solution enables pharmacies to take a
full range of payments — text, online, point of sale, and mobile tablets. This eliminates
the need to work with multiple processors, which may have inconsistent rates and
reporting — making it difficult to get a handle on the actual bottom line.
Square’s open APIs also allow for direct integration with any pharmacy management
system for an end-to-end payment solution. A range of built-in business tools and
analytics also help streamline operational workflows for greater efficiency. For instance,
an intuitive dashboard puts all payment data in one place — which can be accessed
via computer or mobile device for anytime, anywhere views of transaction history.
This allows pharmacies to track sales and payment transactions whether customers are
paying online, at the drive-thru, at the counter, or at home delivery. “The integration has
made things even easier on my stores,” says Ankit Desai, who has several pharmacies
using the Modern Payments Processing solution powered by Square. “It has enhanced
the parts of Square I already enjoyed, including straightforward processing and flat fees,
and eliminated a lot of the manual work I was doing when the terminal was not able to
sync payment information to my software system."
Plus, since Square is PCI certified — pharmacies no longer need to individually validate
their PCI compliance. Vishal Patel of Bourbonnais Pharmacy says this, combined
with the transparency of the fee structure, provides value to his store. “Not only do I
have greater visibility into my operational costs, I can ensure my pharmacy remains
compliant without any additional work on my part.”
Enabling customers to
shop and pay in a way
that’s most comfortable
for them whether credit
card, text-to-pay, tap-to-
pay, Apple Pay or Google
Pay, in-store, online, or by
mobile tablet — means
pharmacies will never
miss a sale. The Modern
Payments Processing
solution is also built to
evolve with pharmacies
as their needs — and the
needs of their customers
— change. For instance,
Vishal Patel notes that
he’s looking forward
to taking advantage of
other advanced payment
options, like the ability to
request online payments
for deliveries.
For more information, visit
www.cardinalhealth.com/en/
services/retail-pharmacy/
business-solutions/modern-
payments-processing.html
For more information contact:
modernpayments@cardinalhealth.com
or visit cardinalhealth.com
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trademarks of Cardinal Health and may be registered in the US and/or in other countries. All other
trademarks are the property of their respective owners. Patent cardinalhealth.com/patents.
SQUARE and the Square Logo are trademarks of Block, Inc. used with permission.
Modern Payments Processing
Integrated partners
Cardinal Health and Square are collaborating
with Pharmacy Management Systems (PMS)
to offer a modern payment platform for
independent pharmacies.
Flexible payment options
Stay current with payment trends including
text-to-pay, Apple Pay and Google Pay.
Track your sales anywhere
Whether you’re online or in store, the intuitive
dashboard puts all your business data in one place.
Track your sales and payment transactions from
anywhere on your mobile phone or tablet.
Cardinal Health
TM