Clinic settlement and patient repayment are two ledgers, run them as one
You pay the clinic for the treatment, and you collect from the patient over months. Those are two different flows to two different parties, and keeping them reconciled against the same case is where clinical finance gets messy.
Two parties, one case
When a patient takes finance for treatment, the clinic wants paying promptly for work done, often at or near the point of treatment. That is a one-off payout against the case.
The patient then repays over months, usually a fixed plan, sometimes with a larger deposit up front. That is a recurring collection against the same case.
Hold those in separate systems and the case never reconciles cleanly: the clinic payout sits in one place, the patient repayments in another, and matching them is manual.
The payment mix that fits
Not one rail. The two to four that match how money actually moves here.
Take the patient's deposit over a bank link, no card fee on a large one-off.
Collect the monthly repayment plan on a mandate, retried to the patient's pay date.
Hold and reconcile clinic settlements per case, segregated from patient money.
Pay the clinic for completed treatment the same day.
Your flow of funds, orchestrated
A patient agrees finance; the deposit is taken over Pay by Bank. The clinic is paid for the treatment over Faster Payments from a settlement account that ties the payout to the case. The patient repays over Direct Debit, timed to their income. Clinic payout and patient repayments reconcile against one case on one ledger, so the margin on each case is visible without a spreadsheet.
Every book moves money differently. We map your flow of funds and quote one integration across the rails that fit.
Related
Payments for medical and clinical finance: FAQs
Because they are different flows to different parties. Orchestration keeps them segregated but reconciled against the same case, so you see the full picture per treatment.
Over Pay by Bank. A treatment deposit is usually large enough that a percentage card fee is worth avoiding, and a bank payment settles instantly with no chargeback.
Yes, over Faster Payments, the same day, from a settlement account that references the payout to the case.
Tell us how you get paid
Send us the mix of payments you take and make, and we will quote one integration across the rails that fit, priced on your volume.