The Centers for Medicare and Medicaid Services (CMS) has definitively ruled that health plans cannot require physicians to accept payments made with “virtual” credit cards. This guidance clarifies physician rights regarding private insurance, Medicare, and Medicaid electronic payments, and is the desired rule sought by the American Medical Association (AMA). The AMA and other medical organizations objected to the increased administrative burdens and high fees assessed with each “virtual” credit card transaction. For more information, go to the AMA website at