mPay Gateway's Product Features

mPay Gateway's simple point of service payment system provides many unique features to make it easy to work with your existing processes and workflow.

Estimation

mPay Gateway provides a robust configurable estimator of patient payment obligation. This estimator uses your existing rate schedule and can easily be configured by specialty, physician or any other way you choose. Health plan discounts, deductible status, co-insurance obligations and other benefit plan design features applicable to an individual patients can be used to customize and adjust the estimate.

Payment Collection

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Payments can be taken via credit or debit card (Visa, Master Card, Discover, American Express), Advance Payment Plan, ACH( Checking and Savings Accounts), and check or cash. Split tenders are supported between all payment methods.

Patient receipts and invoice line items consist of:

Immediate Settlements

Immediate Settlements for all known dollar amounts such as co-payments and outstanding balances.

Delayed Settlements™

mPay Gateway will authorize the funds for the estimated amount of patient payment obligation to be settled at a later date. These Delayed Settlements™ are used primarily for deductible and co-insurance obligations. Final settlement can occur automatically when the insurance company's remittance advice is issued. This process results in patient collections without paper statements.

Advance Payment Plan™

Advance Payment Plan™ allows practices to obtain recurring payments from patients for large dollar obligations and past due amounts. mPay Gateway's unique delayed settlement technology enables the provider to establish a payment plan with the patient without waiting for insurance adjudication. Once the relevant remittance advice is issued, Advance Payment Plan™ will then automatically adjust the recurring payment to match the final obligation.

Check and Cash Register

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Receipt of payments by check and cash can also be recorded against invoices in the mPay Gateway system allowing consolidated reporting and reconciliation for all patient payments made.

Payment Method on File

Payment Methods( Credit/Debit cards and ACH Accounts ) can be kept on file for use on future patient visits. By storing the Payment Method information in mPay Gateway you eliminate the need to photo copy or write down sensitive financial information.

Eligibility

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mPay Gateway's eligibility inquiry can query over 360 payers for a patient's status. The result of that search can then be used to refine the estimated patient payment obligation based on that particular patient's benefit plan design and current status.

See the list of payers

HL7 Demographic and Scheduling Interfaces

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mPay Gateway supports receiving HL7 Demographic and Scheduling messages from your practice management software, eliminating the need to re-enter appointment and patient information.

The following PMS systems are supported and we are always adding new ones to the system:

837/835 Patient Responsibility Determination and Collection ( with Allscripts Payerpath )

mPay Gateway has the ability to emulate a payer and automatically enable your practice management software to suppress invoicing (and save you money).

mPay Gateway can then participate in the 837/835 exchange to determine automatically the patient payment obligation for Delayed Settlement™ transactions. You can collect directly from the patient automatically through using the Delayed Settlement™ feature without ever sending a statement to the patient or relying on that patient to send you payment in the mail.

This interaction is supported for customers using Allscripts Payerpath with the following PMS systems:

mPay Embedding

mPay Gateway provides APIs to allow our system to be embedded to extend the features of your applications. The following partners currently utilize our API:

Reporting

mPay Gateway reporting functionality far exceeds any capability offered by current credit card processing terminals. Not only can you perform standard end of day balancing, but you can also review by-patient charges to post at the end of the day. Utilization reports offer a view for forecasting of potential income from delayed authorizations and payment plans. These are only a few of the reporting capabilities of mPay which will enable you to not only balance, but also aid in the financial planning for your practice.

Messaging to Patients

After using the Delayed Settlement™ feature, mPay Gateway can send a notice from your practice directly to your patient with a summary and explanation of the final settlement transaction.

Consulting and Professional Services

Our Client Experience Team has 40+ years in the fields of health care, technology, credit card solutions, revenue cycle management, and software training. We have created tool kits and processes to facilitate rapid implementations with strong results. Areas of expertise: