PlatoPay - Credit Card Policy

Dear Patients of Paddington Medical Clinic


Paddington Medical Clinic has implemented a policy requiring patients to leave a credit card on file for teleconsultation services. Holding credit cards on file is a standard practice for hospitals and hotels, and is done for your convenience and to ensure that billing can be completed.


Your card will only be billed in the following circumstances:  


  1. Rejected Insurance Claims: Insurance companies are increasingly transferring costs to you, the patient. Some insurance plans may not cover certain items, or may require deductibles/co-payments that are unknown at the time of treatment. This new payment system would thus allow us to recover the costs which have been rejected by the insurance companies.

  2. Outstanding Debt: We sometimes allow patients to partially pay for a service, or pay a deposit first before covering the rest of cost of a service at a later date. Holding your card on file enables us to complete payment for these service(s) or treatments.

  3. Patient Convenience: We understand it’s difficult to return to the clinic to make a payment, especially when you’re not feeling well. Holding your credit card on file will spare you the inconvenience of coming down to the clinic to make a payment (especially if you live overseas).

  4. Breaking an Expensive Bill into Smaller Pieces: Treatments and services may be difficult to pay off in one transaction. If you prefer to pay in several smaller transactions, you can do that on a weekly or monthly basis with the credit card on file.


Paddington Medical Clinic will not charge you until we have informed you of an invoice to be billed and only after you have authorized us to do so.


Paddington Medical Clinic will only charge you in the following circumstances:


  1. If you authorize a payment – if you have an outstanding payment due to the clinic, and don’t want to have to come down to the clinic to settle it, you can ask that your card on file be charged. As well, if you authorize a weekly or monthly payment, your card will be charged.


  2. If your debt at the clinic is older than 90 days old – If you have an invoice owed to the clinic that is over 90 days old, the clinic will finalize the invoice, inform you of the outstanding debt and complete payment with your card on file with your authorization.


  3. If your insurance claim is rejected – In the event your insurance claim is rejected, the clinic will inform you of the rejected claim and proceed to charge the card on file with the clinic with your authorization. 


When your card on file is charged, the clinic will mail you your invoice and receipt for your own records.


Your card will be held on a PCI-DSS compliant service. PCI-DSS is the Payment Card Industry Data Security Standard (PCI-DSS), a standard adopted by e-payment providers to protect your credit card information.