Patients pay co-pays, deductibles, and outstanding balances over the phone without your front-desk team or billing staff ever hearing or seeing card data. PCI DSS Level 1 certified, with a Business Associate Agreement available where PHI is in play.
From single-provider clinics to multi-site health systems and revenue cycle teams.
US providers carry a double compliance burden — HIPAA on top of PCI DSS — and the rise of high-deductible health plans has pushed more collection responsibility onto the practice. Most payment tools weren't designed with either reality in mind.
Average deductibles on commercial plans now run thousands of dollars. That means more co-pays, more deductibles, and more patient balances landing on your billing team — and far more phone calls about payments. The old approach of mailing a statement and hoping doesn't work.
Card data and PHI are both regulated, with different rules and different penalties. HHS OCR audits and CMS expectations sit alongside PCI DSS — and a breach involving both is the worst-case scenario. Generic payment tools rarely address both cleanly.
If your contact center records calls, every patient who reads a card number aloud puts that data into a recording — which is now in PCI scope and, depending on what was said before and after, possibly mixed with PHI. That's a problem for your QSA and your privacy officer at the same time.
Many patients — particularly older or less digitally confident patients — prefer to call. Without a secure phone payment tool, staff end up writing down card numbers or reading them back. That's a compliance failure and a real risk to the practice.
We replace keypad tones in real time as the patient enters their card number. Front-desk and billing staff stay on the call and see payment progress on screen — they never hear or see any card data, and nothing identifying lands in your call recording.
Where any PHI may pass through the call alongside payment, we'll sign a Business Associate Agreement. We treat that data with the same protections as your EHR vendor or clearinghouse — and we keep card data and PHI architecturally separate.
Patients can pay co-pays, deductibles, or outstanding balances any time via IVR. Fewer missed payments, fewer voicemails, and less pressure on the front desk during morning check-in.
Card data never enters your practice — not through your phones, your computers, or your network. There's nothing stored, nothing to steal, and nothing that affects your PCI scope. Most practices drop from SAQ D to SAQ A.
Browser-based portal that works on any computer. Staff enter the patient name and amount, the patient keys in their card on their own keypad, and it's done. No specialist training and nothing new to install at the practice.
Process through whatever gateway you already use — Stripe, Authorize.net, Chase Paymentech, Elavon, and others. Paytia sits next to your EHR or practice management system rather than replacing it.
Whether you're a single medical practice or a multi-site health system, we've got the right tool for how your patients pay.
Secure phone payments for co-pays, deductibles, and patient balances — staff stay on the call throughout.
Learn moreSend a secure payment link by SMS or email for telehealth visits, statements, or outstanding balances. No card data over the phone at all.
Learn moreSet up payment plans for surgical balances or treatment courses — one phone call to agree the plan, then payments run automatically.
Learn more24/7 self-service so patients can pay outside office hours without involving any staff member.
Learn moreFrom independent medical practices to hospital revenue cycle teams, Paytia covers the phone payment scenarios that come up every day in US healthcare.
Collect co-pays, deductibles, and patient balances over the phone without front-desk staff handling card data — even between patients during a busy clinic.
Take payment for treatment plans, orthodontic care, and elective work in a single call. Set up payment plans for larger balances without paperwork.
Surgery balances and pre-procedure deposits are higher-value calls. Paytia handles them securely with no card data in your environment.
Centralized billing teams take inbound calls all day. DTMF masking means agents never hear card numbers — and your call recordings stay clean.
Pure payment processing isn't usually a HIPAA matter — the financial institution exemption covers most card transactions. But the moment a payment call references a patient name, a procedure, or a diagnosis, you've potentially got PHI in scope. We sign a Business Associate Agreement so you're covered either way, and we architect the platform so payment data and any incidental PHI never end up co-mingled in a way that creates breach exposure.
HHS Office for Civil Rights audits look closely at how Business Associates handle PHI and how covered entities oversee them. Removing card data from your environment, keeping recordings clean, and having a current BAA on file are all things that hold up well under that kind of scrutiny.
The highest level of PCI certification. Paytia is audited annually by a Qualified Security Assessor — so you don't need to be.
BAA available for healthcare clients. We treat any PHI that may pass through a payment call with the same protections as a covered entity would.
We handle patient payment data with strict privacy controls. Card data is never stored in your systems and our retention practices are designed for state and federal scrutiny.
Our security controls map to SOC 2 trust services criteria — useful when your security or vendor risk team needs documentation.
Yes. Where any PHI may pass through a payment call — a patient name, a procedure code, anything identifying — we'll sign a BAA. Pure payment processing often falls under the HIPAA financial institution exemption, but most US providers prefer a BAA on file for the avoidance of doubt, and we're happy to put one in place.
We process card payments outside your network entirely, so card data never reaches your phones, computers, EHR, or call recordings. That keeps PCI scope minimal — usually SAQ A — and means there's no scenario where card data ends up in the same system as PHI. Your privacy officer and your QSA can both look at the architecture and be satisfied.
Yes. Paytia runs in a browser alongside whatever EHR or practice management system you already use — Epic, Cerner, athenahealth, NextGen, eClinicalWorks, and others. There's no direct integration required, no IT project, and no vendor approval process to get started.
Yes. The IVR self-service option lets patients pay 24/7 without staff involvement. That's useful for co-pays they forgot to bring, deductibles that hit after a visit, and balances on a statement they've just opened at 9pm.
OCR audits look at how Business Associates handle PHI, how covered entities oversee them, and whether reasonable safeguards are in place. Removing card data from your environment, keeping call recordings free of sensitive data, having a current BAA, and being able to point to a Level 1 PCI certification all support the kind of documentation an audit asks for. We'll provide whatever evidence your compliance team needs.
Paytia supports the major US gateways including Stripe, Authorize.net, Chase Paymentech, Elavon, and others. You keep your existing merchant account and banking relationships — we just provide the secure collection layer on top.
Medical practices, specialty clinics, and hospital revenue cycle teams use Paytia to collect phone payments without touching card data — and without a complex IT project.