Automated copay prompts at check-in that lift collection rates from 55–70% to 92–97% — pulling the exact copay from the eligibility response and charging the card on file or terminal in one step.
Why is copay collection at check-in so much better than billing later?
Patients in the office pay; patients at home rarely do. Sending a $25 copay to statement adds 30–45 days of collection time, a $1.50 statement cost, and a 30%+ chance of never being collected at all. Front-desk collection captures the dollar in 30 seconds at near-zero marginal cost.
How does the workflow integrate with eligibility?
The 270/271 eligibility check at check-in returns the exact copay, deductible status, and coinsurance. Our workflow auto-prompts the receptionist with the dollar amount and a single-button charge against the card on file or terminal.
What about patients without a card on file?
The receptionist captures card on file during the same check-in flow with an electronic authorization. New-patient flows default to capturing card on file even before the first charge, so subsequent visits collect in seconds.
How does this affect downstream A/R?
Practices that automate copay collection see patient A/R aging drop 25–40% within 90 days. A/R recovery volume drops in parallel because most of what used to age was never actually owed by the time copay was deducted.
Frequently asked questions
How fast can you get approved?
Most healthcare practices are approved within 24 hours of complete application submission. Specialty MIDs (dental DSO, behavioral health groups, DME) may take 48–72 hours while underwriting reviews trailing statements and licensure.
What does it cost?
Interchange-plus pricing — typically 2.4% + $0.10 per card transaction with no setup fee and no monthly minimum. ACH is 0.5–1.0%. You see interchange cost, assessments, and our markup on a single itemized statement.
Is the platform HIPAA-compliant?
Yes. We sign a BAA, tokenize all card and bank data before it touches your systems, and segregate PHI from payment metadata. EHR / PMS integrations move only the minimum necessary data for posting.