Triple-channel statement cadence — SMS day 1, email day 7, paper day 21 — triggered the moment your EOB posts a patient responsibility. Most practices capture 70%+ of patient pay before day 30.
What triggers an automated statement?
The EOB / 835 remittance posting in your PMS triggers a webhook to our statement engine. Within 5 minutes the engine queues an SMS with text-to-pay link, then schedules email day 7 and paper day 21 if the balance is not paid.
Why a triple cadence instead of paper-only?
SMS captures 38–48% of patient pay within 72 hours. Email picks up another 12–18%. Paper at day 21 mops up older patients and complex balances. The combined cadence collects 70%+ before day 30; paper-only collects 30–40% by day 60.
How are statements personalized?
Each statement includes patient name, practice name, encounter date, plan-of-benefits summary, balance breakdown (insurance paid / adjustments / patient responsibility), and a tokenized pay link. PHI is minimized — diagnosis codes never appear on the statement.
What about patients on payment plans?
Plans suppress the statement cadence — the installment auto-debits and the patient receives only a monthly receipt. If an installment fails, the cadence reactivates for that one balance.
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.