Paymob for Clinics: A Complete Guide to Accepting Digital Payments from Patients

Why Digital Payments Matter for modern Clinics in 2026

The Egyptian Central Bank's financial inclusion push and the post-COVID acceleration of digital payments have fundamentally changed patient payment expectations. An increasing proportion of patients — especially in urban areas — expect to be able to pay by card or digital wallet, and many younger patients actively prefer it.

For clinics, digital payments offer:

• Faster settlement — funds typically clear within 24–48 hours vs cash counting, banking, and potential shortage disputes
• Reduced cash handling risk — less petty cash exposure, no change management
• Better collections — invoice links sent via patient messaging have a significantly higher collection rate than "please pay at your next visit"
• Reconciliation accuracy — digital transactions match invoices automatically, reducing accounting errors

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What Is Paymob?

Paymob is Egypt's leading payment gateway, founded in 2015 and now processing billions of EGP monthly. It provides APIs and hosted payment pages that allow businesses — including clinics — to accept:

• Visa and Mastercard credit and debit cards
• Meeza (Egyptian national debit network)
• Fawry (over-the-counter payment at 70,000+ locations nationwide)
• instalments (buy-now-pay-later for eligible purchases)
• Mobile wallets (mobile wallet, Etisalat Cash, Orange Cash)

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Getting Started: Registration Requirements

To register as a business on Paymob, a clinic typically needs:

1. Commercial registration (السجل التجاري) — for companies and pharmacies
2. Medical syndicate registration — for individual doctor-owned clinics
3. National ID of the clinic owner
4. Bank account in the clinic's name
5. Clinic letterhead and stamp

The registration and approval process takes approximately 5–10 business days. Paymob has a dedicated healthcare onboarding team.

Note: Transaction limits apply to newly registered merchants and are lifted progressively as transaction history builds. Discuss expected monthly transaction volume during onboarding.

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Fee Structure (2026)

Paymob's fees for clinics (as of early 2026, confirm with Paymob directly as fees change):

MDR = Merchant Discount Rate — the percentage deducted from each transaction by the payment processor.

For a EGP 500 consultation fee paid by Visa at 2% MDR + 14% VAT: the clinic receives approximately EGP 485.60.

Monthly fee: Some Paymob packages include a monthly subscription fee (typically EGP 100–300/month) for access to the dashboard and support. Clarify this during onboarding.

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Payment Flows for Clinics

In-Clinic Card Terminal (POS)

A physical card machine (POS terminal) at reception. Patient taps or inserts card at checkout. Funds settle T+1 or T+2.

Best for: Walk-in patients paying at the point of service.

Payment Link (Remote)

Clinit generates a Paymob payment link and sends it via patient messaging or SMS. Patient clicks the link, enters card details, and pays. Works on any device.

Best for: Post-consultation follow-up payment, patients who left without paying, instalment plan collection, or telemedicine billing.

QR Code

Display a QR code at reception or on the invoice. Patient scans with their phone and pays via Fawry or mobile wallet.

Best for: Fawry-preferred patients and those paying with mobile wallets.

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Handling Refunds

Paymob supports refunds through the merchant dashboard. Key points:

• Full refunds: Initiated from the Paymob dashboard, typically process within 5–7 business days to the patient's card.
• Partial refunds: Supported for most payment methods.
• Fawry refunds: Issued as Fawry credit to the patient's Fawry account (not back to cash).
• Refund fees: The original processing fee is typically not refunded to the merchant (you absorb the MDR on the refunded transaction).

Document every refund in Clinit's billing module as a credit note to maintain accurate financial records.

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Failed and Disputed Transactions

Failed payment: The most common reason is card decline (insufficient funds, card not enabled for online payment, or 3D Secure failure). Paymob's declined transaction report shows the decline reason code. Always resend the payment link rather than assuming the patient can pay later.

Chargebacks: When a patient disputes a transaction with their bank, Paymob notifies you and requests evidence (appointment record, signed consent, invoice). Clinit's audit log and digital consent forms provide the evidence needed to contest chargebacks successfully.

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Clinit + Paymob Integration

Clinit's native Paymob integration works as follows:

1. Create an invoice in Clinit (automatically generated from the appointment)
2. Click "Send Payment Link" — Clinit generates a Paymob-hosted payment page and sends it via patient messaging or email
3. Patient pays on their phone at any time
4. Payment confirmation is received by Clinit in real time — the invoice is automatically marked as paid
5. Payment appears in the daily revenue dashboard with the transaction ID for reconciliation

Monthly reconciliation: Clinit exports a reconciliation report matching Clinit invoice IDs to Paymob transaction IDs, making the monthly accounting close fast and accurate.

POS terminal integration: For clinics using a Paymob POS terminal at reception, payments can be manually matched to Clinit invoices or (for supported terminal models) matched automatically via the Paymob dashboard API.