Processing payments through a credit-card processor or service that facilitates credit-card processing is specifically excluded from certain HIPAA and BAA requirements. 0 Excellent. Stripe is a payment processing company that offers a HIPAA-compliant solution for businesses that need to process PHI. If you don’t offer your clients a way to pay you that’s compliant with HIPAA. The flat rates are: Domestic credit and debit card payments: 2. Merchants that take credit cards, and service providers that facilitate card payments. At Jotform, our reputation rests on our ability to provide all of our users with the highest form security. Their security protections include 24/7 monitoring, fraud detection, firewalls, and encryption. It is a useful resource for anyone who handles payment card data or operates. HIPAA was enacted by the US congress in 1996. PCI DSS applies to all businesses that process credit card transactions worldwide. Best-practice security, 2FA (two-factor authentication), ensure accuracy and. Leaders Merchant Services – Custom plans, low transaction fees and appointment scheduling integration for therapists. Whether that is patient data or credit card data. PCI While related, HIPAA relates to patient information and medical records to maintain a person’s privacy and PCI relates to patient (and customer). Some solutions, such as Ivy Pay, offer clients the ability to pay using their health savings account (HSA card) or flexible spending account (FSA card). The processor’s fee is the same for all in-person credit card payments and typically averages 2. Healthcare clearinghouses. Leaders Merchant Services – Negotiable pricing model for healthcare practices backed by a money-saving guarantee. 9% + $0. Asgard Platform. It was created to better control cardholder data and reduce credit. The PCI Security Standards Council helps protect payment data through industry-driven PCI SSC standards, programs, training, and lists of qualified professionals and validated solutions and products. View the best Telemedicine software with HIPAA Compliant in 2023. Compliance requirements; 1: Any merchant processing more than 6 million payment card transactions per year, as well as some merchants specifically designated by members of the SSC: 1. Discover the best credit card processing companies and learn how to evaluate them based on pricing structures, fees and how credit card processing works. ” The Payment Card Industry Data Security Standard (PCI DSS) requirement 11. To use Google Drive as your HIPAA-compliant cloud storage solution, first, you have to request a BAA from the. 2. Square: Best for Mobile Transactions. Payment processing. We can do that!In essence, therapist payment providers need to have the following in place for it to be HIPAA compliant…. How to remain HIPAA compliant. Level 2: Businesses that process. The Best Credit Card Processing Companies Of 2023. They provide customers with an easy way to pay and have security measures that can make them suitable for HIPAA compliance. The Payment Card Industry Data Security Standard ( PCI DSS) is an information security standard used to handle credit cards from major card brands. 75% per charge. (Fattmerchant) Stax: Best for High-Volume Sellers. Zero maintenance. For example, it integrates with Google Calendar for easy scheduling and Stripe for convenient credit card payment processing, among others. Get a free payment processing audit today! 800. In the preamble to the Security Rule, several NIST publications were cited as potentially valuable resources for readers with specific questions and concerns about IT security. FREE TRIAL No credit card required. Merchant Level 3: 20,000 to 1 million transactions a calendar year. , 16 digit number on front of card) Cardholder name (e. Our ratings. g. They are a medical practice technology and support platform. Our HIPAA compliant payment processing are designed to provide you with everything you need to accept payments seamlessly and. Bottom Line: Helcim provides credit card processing the way small businesses need it: with complete transparency. Note: this is a long post about untested legal issues. A business associate agreement (BAA) is in place with the mental health organization. was $199,200, which means your medical practice credit card processing fees over 30 years would add up to nearly four one-family homes. While PCI deals exclusively with payment processing, HIPAA also involves other aspects of your business, such as Electronic Health Records, so be sure you have a plan in place to ensure HIPAA in these areas as well. To ensure you remain compliant, follow this helpful HIPAA compliance checklist from HIPAA Journal: Identify which audits apply to your organization. Want to learn more about our payment processing solutions? Call us today at 800. HIPAA protects medical records and how they are shared, and PCI requirements cover cardholder data and are intended for fraud prevention and consistency in how payments are processed. Dedicated success manager. Enacted by the major credit card brands, this standard is designed to promote credit card transaction practices for merchants, financial services, and any business that collects, stores, and/or transmits credit card information. Clover: Best for POS. When processing credit cards in the healthcare industry, there are unique challenges that come with remaining HIPAA-compliant. What is PCI DSS (Payment Card Industry Data Security Standard)? The Payment Card Industry Data Security Standard (PCI DSS) is a widely accepted set of policies and procedures intended to optimize the security of credit, debit and cash card transactions and protect cardholders against misuse of their personal information. A covered health care provider, health plan, or. In addition to finding a secure survey provider with the features listed below, you’ll also need to have your vendor sign a Business Associate Agreement (BAA). [We will be publishing reviews of three remote payment processors that can be used in a HIPAA-compliant manner in the next installment of Let’s Get Technical . 90 / month. Worldpay, is the longtime Endorsed Provider of Merchant Services (credit card processing) of VDA Services and the company strives to address this issue with its dental practice merchants. One of the most popular ways to pay for medical expenses is through credit cards. 6 percent plus 10 cents per transaction (previously, they charged 2. As a credit card processor, Helcim frequently receives inquiries from healthcare providers about HIPAA compliance. Resources. Store customer credit card data for your retail or online website business in a PCI compliant vault built with a securely encrypted payment gateway. 40% plus 8 cents in. ExaVault (FREE TRIAL) This cloud storage package with secure. The U. The company offers seven pricing levels. PCI compliance consists of adhering to a set of guidelines that are set forth by companies that issue credit cards. Advanced permissions. Skip to content. Host Merchant Services Top Rated for Healthcare Credit Card Payment Processing. A business associate (BA) is a person or entity that performs certain functions that involve the use or disclosure of patient heath information (PHI) (e. All transactions (including e-commerce) that involve the processing of payment card data (debit and credit cards) are required to utilize the Boston University Cashier System. PCI DSS was designed. We carefully selected companies that offer simple credit card processors to set up and use, including effortless importation of data and invoices and intuitive report viewing. Editor's Rating: 8. PCI compliance, or payment card industry compliance, refers to a set of 12 security standards that businesses must use when accepting credit card payments and transmitting, processing and storing. The PCI DSS globally applies toCard Not Present, CenPOS, credit card processing B2B Cloud payment processing technology blog about increasing profits, efficiency and security. It’s why Chase handles over $1 trillion in annual processing volume. One of the best HIPAA-compliant credit card processing solutions is to choose the processor very thoroughly. Generate an invoice, superbill, or claim. Don’t wipe and re-install your systems (yet) Do follow your incident response plan. Store customer credit card data for your retail or online website business in a PCI compliant vault built with a securely encrypted payment gateway. Use HIPAA-compliant forms to gather the financial information you need for billing and payment processing. Improperly storing customer credit card information can also be costly, with penalties, fines, and possible legal action against your firm. Durango Merchant Services: Best For Offshore Merchants. Psychologists and psychotherapists now provide services virtually, making traditional payment methods obsolete. More later. Quick and convenient payment processing. 9% plus 30¢ per transaction. Card data must be encrypted with certain algorithms. Features & Benefits We considered critical features and tools in our comparisons, such as seamless software integrations, efficient data exports, streamlined invoicing. Credit card information is de-identified and only the last four digits are visible. It also comes in at No. Be sure to consult with the POS provider about a BAA. After evaluating dozens of products, we’ve identified the eight best HIPAA-compliant CRM software: Best overall: Freshsales. It’s important to do the investigative work to determine if your invoicing software is HIPAA-compliant. Advanced permissions. PCI DSS was created to increase controls around cardholder data to reduce credit card fraud. Here is the list of the best HIPAA compliant solutions: Files. HIPAA compliance is an essential factor that must be considered across all business operations when it comes to online payments, and credit card processing. 3. Find out the steps to. Health Insurance Portability and Accountability Act (HIPAA) and Sarbanes-Oxley (SOX) financial regulations have provisions similar to those in the PCI standard, says Collins. Average payment processor costs. In the HIPAA law, Title II, Part C, Section 1179 addresses the processing of payment transactions by financial institutions. Upon discovery of the breach, the email account was immediately. Compliance requirements: HIPAA. Email Security Incidents Reported by HealthPlex and Optima Dermatology. HIPAA and PCI DSS overlap in the end goal—protecting sensitive data from being stolen or shared improperly. Additionally, if Protected Health Information (PHI) is secured too much, it can prevent the flow of information needed to perform treatment, payment, and healthcare. Call us 1-866-286-7787. Storing data securely as outlined by the 12 security domains of the PCI DSS standard, such as encryption, ongoing monitoring, and. Using the following methods can help you make your payment systems safer: Collect financial information securely. Each SAQ includes a list of security standards that businesses must review and follow. Compare verified user ratings & reviews to find the best match for your business size, need & industry. This method offers a secure telemedicine payment processing gateway. Don’t wipe and re-install your systems (yet) Do follow your incident response plan. Using payment methods through apps such as PayPal, Venmo, and Zelle is low-cost and convenient but violates HIPAA. Store notes, images, and documents sync across devices and improve organization for heightened productivity. Find the highest rated HIPAA Compliant Video Conferencing software pricing, reviews, free demos, trials, and more. TherapyNest billing features include: claims management. The Payment Card Industry Data Security Standard (PCI-DSS) is a binding set of requirements for any organization that processes or stores credit card information. 840. Rectangle Health’s points of PCI compliance for healthcare aligns to specific HIPAA considerations. 1 stem from best practices for protecting sensitive data for any business. We call these entities. Search for HIPAA-compliant credit card processing? Here’s what him need into know about healthcare payments & HIPAA, extra the 7 best options. Use HIPAA-compliant forms to gather the financial information you need for billing and payment processing. Best for: Integrations available with Zoom, Facebook Mailchimp, and over 1500 other apps. The guidelines outline a series of steps that credit card processors must continually follow. The third requirement of PCI DSS compliance is a two-fold protection of cardholder data. Best practices in HIPAA compliant payment processing. Security. Quick and convenient payment processing. We’ll briefly review PCI compliance and its main requirements, and provide a list of easy best practices you can. ExaVault (FREE TRIAL) This cloud storage package with. Core Financial Processing merchants provide HIPAA-compliant credit card processing for surgeons to ensure that all the transactions made at their medical centers are safe and secure. Any business that handles credit or debit cardholder data must achieve PCI compliance. PCI compliance is the term used to ensure that you are meeting security standards when accepting payments. Please contact the Cashier Services at (617) 353-3896, or via via the new Financial Affairs Customer Service Portal, for further information regarding Cashier System. When searching for a secure survey software, there are a few key factors you’ll want to keep in mind. IntakeQ does NOT charge a processing fee on top of Square's. Do. Written by. 6 position in our Best Credit Card Processing Companies of 2023 rating. There are three sets of requirements included in the HIPAA Security Rule. Build protocols your firm will follow to comply with each PCI regulation listed earlier in. Our favorite healthcare credit card processing providers offer full HIPAA compliance, fair pricing, transparent sales practices, and excellent customer service. So Ivy is a very reasonable credit card processing app. Evernote. These companies include (among others) American Express, Discover, MasterCard, and VISA. Medici is one of the most affordable video conferencing systems for healthcare providers and patients. Accept Credit Cards in Private Practice Using Square | HIPAA, Processing FeesUPDATE (11-3-19): Square has changed its processing fees since I uploaded this v. The classification level determines what an enterprise needs to do to remain compliant. If you run PCI-compliant or HIPAA-compliant workloads that are based on the AWS shared responsibility model, we recommend that you log your CloudFront usage data for the last 365 days for future auditing purposes. Final. HIPAA and HITECH compliant, all web traffic, video, database, and file backup within the tool is encrypted. Stripe – Best for ecommerce credit card processing. Here are the steps each authorized person in the business should take when taking a credit card payment over the phone. Payment solutions for your business. 6% – 2. me is a telemedicine video solution that meets HIPAA compliance standards and is also reliable, confidential, and user-friendly. , 5/18) Service code (Note: You can’t actually see this data on a physical card because it resides in the magnetic stripe)Key-in: 3. Maintaining payment security is serious business. HIPAA compliance is an ongoing process of evaluating, adjusting, and monitoring your processes. 3. The standard is administered by the Payment Card Industry Security Standards Council, and its use is mandated by the card brands. Prices for paid subscriptions vary based on selected region and duration, starting from $16. While HIPAA is a law created by the feds, PCI DSS is a standard created by the credit card companies. Use a unique user ID and secure password to access the system. gov) has stated that credit card processing does not fall within the scope of HIPAA as no health record information is being stored - only card payment information. Evernote is an efficient digital notebook, that centralises your work seamlessly. Ask the payment processor how they meet HIPAA compliancy regulations and if they provide a business associate agreement (BAA). Several overlap with those required to meet GDPR, HIPAA and other privacy mandates, so a few of them may already be in. PayPal: Best. Coach is a HIPAA-compliant practice management software for therapists and counsellors as well as enterprises that helps you run your practice the way you want to – in-person, online, or both. This review examines the rates, fees, and other contract terms of a merchant account with Rectangle Health. 954-942-0483 for all your CenPOS HIPAA compliant payment processing sales and integration needs. HIPAA-Friendly Forms. It becomes individually identifiable health information when identifiers are included in. TranscribeMe: Best HIPAA-compliant transcription software. PCI Best Practice 3 - Use role-based system access. The HIPAA needs to act in a way that doesn’t conflict with the Fair Credit Reporting Act (FRCA). Also, if an organization doesn’t store credit card data, but cardholder data does pass through its server, it must comply with PCI requirements. This approach minimizes risk to clear-text card data andMy course, Private Practice Essentials on Northern Speech Services, has an entire section on Setting Your Rate, How to Accept Payments, and even a Credit Card Processor comparison chart! I guide you through all of the steps necessary to ethically and HIPAA-compliantly bill your clients. specialty specificity, scheduling, reporting, pricing. This will ensure your patient data is stored and transferred securely, and only authorized professionals can access it. You can also use our free Protected Health Information Guide to learn how to safeguard your organization’s PHI. EMV technology allows. There is a $10,000 penalty per violation, an annual maximum of $250,000 for repeat violations. What is PCI Compliance: Requirements and Penalties. Patients can receive timely notifications about upcoming appointments, reducing the chances of no-shows and streamlining the overall process. Coach. Online Billing Software: There are several. Here are some of the best practices for effective HIPAA compliance: 1. Credit Card Processors; Hi Risk Processing; Mobile Processing Apps; Online. Transaction FAQs. HIPAA compliance, however, applies to select types of organizations that are listed in the legislation as “covered entities. PCI Compliance: Technical and operational standards that businesses are required to adhere to in order to ensure that cardholder data is protected. The PCI DSS (Payment Card Industry Data Security Standard) is a set of security requirements for all retailers who accept credit or debit cards. PCI Best Practice 3 - Use role-based system access. In addition to a device/password inventory, basic precautions and configurations should also be enacted (e. Summary. PCI Compliance: Technical and operational standards that businesses are required to adhere to in order to ensure that cardholder data is protected. SOC 2 Compliance. Just secure HIPAA-compliant email for senders and recipients. Our best-in-class Membership Plan platform allows you to create and manage plans and patients, accurately allocate provider income, and integrate cards-on. There is a $50,000 penalty per violation with an annual maximum of $1. The Best Merchant Account Services. a robust client portal, online scheduling, billing, credit-card processing, free appointment reminders, calendar sync, and so much more. Doxy. If data is encrypted: here’s what you’re allowed to store: PAN (Primary Account Number) (e. Blogs HIPAA compliant payment processing HIPAA compliant payment processing To successfully operate a healthcare practice, it is of utmost importance that you consider. PCI employs a continuous three-step process to achieve and maintain security compliance. Level 1: Applies to merchants processing more than six million real-world credit or debit card. Small businesses can find compliance difficult, and PCI recommends hiring. PCI compliance is a set of standards and guidelines for companies to manage and secure credit card related personal data. These topics are not just associated with accepting credit card payments, but they are essential for payment processing by businesses that operate within the medical industry. Written by. 840. As mentioned, telephone transactions may traverse your network if you use an IP based phone system (which. They hire PCI and HIPAA consultant and policy experts who help physicians and dentists protect their practice. HIPAA Administrative Simplification Frequently Asked Questions July 14, 2022 Guidance Letter 2022-04 - Health plans’ payment of health care claims using Virtual Credit Cards (VCCs) and adopted Health Insurance Portability and. Through accreditation, MSPs can demonstrate to their clients that they take data security seriously and have implemented the necessary safeguards to protect against data breaches. We have you covered with a wide range of options to accept credit cards. PCI compliance applies globally to every merchant who accepts credit cards, debit cards, or prepaid cards. Paubox is based in San Francisco, CA. The next step is to fix any errors that emerge through that evaluation process. While PCI deals exclusively with payment processing, HIPAA also involves other aspects of your business, such as Electronic Health Records, so be sure you have a plan in place to ensure HIPAA in these areas as well. We can do that! PHI exists because of the Health Insurance Portability and Accountability Act (HIPAA) and this law applies to how every therapist operates. 6 position in our Best Credit Card Processing Companies of 2023 rating. Coach is its expansive feature repertoire at a value-driven pricing, and its much-awarded. No credit card required. Here are 18 of the top HIPAA-compliant video conferencing services. What types of payments are HIPAA compliant? Credit cards. There’s one big difference, however. Report — documenting assessment and remediation details, and submitting compliance reports to the acquiring bank and card brands you do business with (or other requesting entity if you’re a service provider). Clover POS: Best For Sophisticated Processing Hardware. Payment card industry (PCI) compliance is mandated by credit card companies to help ensure the security of credit card transactions in the payments industry. Some medical offices require patients to pay in person by swiping credit cards or HSA (Health-Savings Account) cards through a terminal. 5 Best HIPAA Compliant CRMs Compared. , 16 digit number on front of card) Cardholder name (e. As with interchange-plus, the percentage markup for online and other card-no-present transactions is higher, ranging from about 2. Dale Cudmore Web Hosting Expert. National Processing: Best For Clover Processing Hardware. Collect payments before or after a session. This exemption is based on the understanding that credit card processing services deal exclusively with card payment information and do not involve the storage, handling, or transmission of health records or electronic protected health. Feedback. Source: Getty Images. g. Feedback. 9% plus 30¢ per transaction. What you didn't hear in any of that summary was a mention of credit card processing services. OCR has teamed up with the HHS Office of the National Coordinator for Health IT to create this one-page fact sheet, with illustrations, that provides an overall summary of your rights under HIPAA: Your Health Information, Your. Just secure HIPAA-compliant email for senders and recipients. Having credit card information on file means faster check out and a no-hassle payment process for clients. However, at the present time, it is only available for qualified, licensed therapists and is not a service every Covered Entity can take advantage of. g. Sixty-five percent of small businesses miss the mark on. 75 percent). With these criteria in mind, let’s look at our top seven high-risk merchant account providers: PaymentCloud: Best For Free Credit Card Terminal. The Payment Card Industry Security Standards Council (PCI SSC) sets the PCI Data Security Standard (DSS) to protect cardholder data, applicable to entities handling such data. Our built-in video conferencing includes secure and HIPAA compliant video and some plans offer a built-in white board, in- session video play, screen sharing (with access control), and resource sharing. Summary: Founded in 2011, Stripe is a popular payment. The solution is HIPAA compliant and offers a secure platform, video conferencing, and virtual waiting room features. of Health and Human Services, 2013) Credit card processing is complex at the best of times, but for dental practices, it comes with extra variables, such as HIPAA compliance, compatibility with practice management systems, storing cards on file, and acceptance of Health Savings Account (HSA) cards, Flexible Spending Account (FSA) cards, and CareCredit cards. In 2017, the median home price in the U. The first step is to assess your current payment processes and system security. For example— QuickBooks ® , Wave , PayPal. For organizations in healthcare-related industries, who both have access to PHI and accept credit card payments, a PCI and HIPAA compliance comparison can help find overlaps and similarities in their compliance obligations. Stripe’s solution includes a secure web portal, encrypted data storage, and auditing and logging of all activity. Corepay Review - May 25, 2023. Ivy Pay is 100% HIPAA-compliant payment method designed for licensed therapists. 5 in our Best Credit Card Processing Companies of 2023. For HIPAA-covered entities that use PHI during video calls and payment processing, compliance with the HIPAA privacy, security and breach notifications rules is a must. Whether that is patient data or credit card data. , changing the password). 1. Product. ” PCI DSS is like HIPAA, but for credit cards. Requirement 5: Protect All Systems and Networks from Malicious Software. Square also agrees to use appropriate safeguards and comply with regulations on. Call Sales at 1-877-843-5690 or. Store and process credit cards. Thera-LINK. Square provides a business associate agreement (BAA) in which it commits to operating in accordance with HIPAA guidelines. The 12 security requirements for PCI DSS v3. Compare Quotes. Any type of business that handles, accepts, transmits, or stores payment card data, no matter the size or processing volume, must be PCI compliant. If they are, the provider must have a business associate agreement (BAA) in place to protect them against a breach of PHI. You can also use our free Protected Health Information Guide to learn how to safeguard your organization’s PHI. Having credit card information on file means faster check out and a no-hassle payment process for clients. See moreBest HIPAA Compliant Credit Card Processing Practices: Selecting the Right Processor Credit card information can be intercepted or hacked during these back-and-forth. Thera-LINK is a video conferencing tool focused on mental and behavioral health providers. Congress enacted HIPAA in 1996 — when people still referred to the internet as the World Wide Web and Amazon only sold books — making it one of the nation’s earliest data. The Pro Plus plan also offers apps and games. It covers the 12 requirements of PCI DSS, the testing procedures, the reporting process, and the best practices for maintaining security. Stax: Best for Subscription Pricing. That’s crazy. PCI DSS Compliance levels. A PCI Self-Assessment Questionnaire ( PCI SAQ) is a merchant’s statement of PCI compliance. GDPR Compliance. Secure processing assures the card number is not visible once processed. Following the addition of HITECH and Omnibus Final. – Most versatile processor with no monthly fee. For a growing list of HIPAA-compliant credit card companies, see the. Ivy Pay is a payment processing. Stripe works with you to develop custom pricing solutions and offers discounts for companies processing more than $100,000 per month. 100 million card transactions per month. This includes any ecommerce business as well as payment processing companies, cloud storage companies, and more. In the HIPAA law, Title II, Part C, Section 1179 addresses the processing of payment transactions by financial institutions. The text of the final regulation can be found at 45 CFR Part 160 and Part 164. Stax – Powerful HIPAA-compliant business and. 6717 Fill out our contact form. Skip to content. Health records are 10 to 20 times more valuable on the black market than US credit card numbers with the three-digit CVV code. Your first priority at this point in time is to isolate the affected system (s) to prevent further damage until your forensic investigator can walk you through the more complex and long-term containment. The main advantage of Square’s new offering of a Business Associate Agreement is that Square actually offers quite a bit more than just basic credit card processing. PCI DSS includes 12 requirements covering aspects like firewall configuration, data encryption, malware protection, and monitoring access to cardholder. In 2017, the median home price in the U. The major credit card companies – Visa, Mastercard, and American Express – established Payment Card Industry Data Security Standards (PCI DSS) guidelines in. We have policies and procedures in place to maintain compliance and conduct an annual risk assessment to ensure that our platform continues to meet HIPAA standards. The secure customer vault is a great solution for any merchant that needs to save credit card or checking information to use for future payments. 5 million. No plugins, no passwords, no extra steps. iFax also offers paid subscriptions with free trials. PCI DSS is mandated by the Card Schemes and administered by the Payment Card Industry Security Standards Council. Here is the list of the best HIPAA compliant solutions: Files. The latter certifies Interfax’s compliance in processing, storing, and transmitting credit card information. Automated superbills. It's the instant pay option exclusively designed for therapists. Minimizing scope reduces vulnerabilities and decreases the administrative burden associated with being PCI compliant. Tall Risk Processors; Movable Processing Apps; On-line Get Processors; Credit Card Readers & Depot; Discover The Best. It becomes individually identifiable health information when identifiers are included in. Research your credit card processor’s PCI compliance. It is the process that allows customers to pay for your products through various payment options, such as credit cards or mobile payments. There’s one big difference, however. Each package has unique features (i. The company’s products and services include point-of-sale solutions, web hosting, business. Don’t use conventional payment platforms such as PayPal or Stripe. Step 1: Businesses are asked to assess. The HIPAA compliant video conferencing feature set was developed to support mental health providers with the best tools for effective remote therapy. The BAA should spell out allowable uses and. Explore our in-depth 2023 Stripe review to learn about this popular payment processing solution’s features, pricing, pros and cons. Payment Card Industry Data Security Standard (PCI DSS) Credit card companies and credit card processing organizations: 1 Year . Credit card. Paubox is based in San Francisco, CA. 67/month (USD). S. The credit card processor should be fully compliant with the Payment Card Industry Data Security Standards (PCI DSS) and the Health Insurance Portability and Accountability Act (HIPAA) regulations. No credit card required.