Best Digital Banking Platforms for Healthcare Practices Managing Patient Payments and Remote Billing in USA in 2025
Published: December 5, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: EHR+ Platform by Tebra scored highest due to All-in-one platform combining EHR, practice management, patient engagement, and billing with AI automation for clinical notes and administrative workflows, specifically designed for private practices..
Content Verification
Evaluation Criteria:
Side-by-Side Comparison
| Feature | #1 EHR+ Platform (Tebra) | #2 Anatomy AI-Powered Financial Automation (Anatomy) | #3 Reconciliation Management (Rectangle Health / Nuvei) | #4 Zil Money Payment Operations Platform (ZilMoney) | #5 CSI Digital Payment Solutions (CSI) |
|---|---|---|---|---|---|
| Best For | All-in-one platform combining EHR, practice management, patient engagement, and billing with AI automation for clinical notes and administrative workflows, specifically designed for private practices. | AI-driven automation connecting bank, claims, and accounting data to deliver real-time financial insights and streamline back-office operations specific to healthcare organizations. | PMS-agnostic platform connecting to thousands of practice management systems with Practice Management Bridge technology that unlocks payment-based revenue streams and advanced integrations while ensuring HIPAA compliance. | Purpose-built for medical practices with enterprise API integration capabilities, white-label solutions, flexible payment plans, and seamless integration with major practice management systems. | Integrated payment suite that plugs directly into mobile and online banking platforms with flexible payment options and secure money movement capabilities for financial institutions serving healthcare practices. |
| Practice/EHR & Banking Integration | EHR+ includes integrated payments via Tebra Payments or Stripe Patient Collect. (helpme.tebra.com) Practices link a business bank account; patient payments deposit automatically, with typical payouts by the second business day (Tebra Payments) or per Stripe’s schedule. Supports online/text-to-pay, patient-portal payments (incl. Apple Pay/Google Pay), and in-person card readers. (helpme.tebra.com) | Integrates with Compulink, EZClaim, and ModMed Boost to auto-post ERAs from EOBs and manage payer correspondence. (anatomy.com) Embedded banking via Live Oak Bank: FDIC‑insured accounts, remote deposit capture and lockbox deposits, organized by payment type, plus automated bank reconciliation linking bank, claims, and accounting data. (anatomy.com) | Practice/EHR: Not specified. Banking: Automates reconciliation across multiple providers/data sources; supports all cards and 700+ alternative methods. Nuvei bank transfers include ACH, RTP, FedNow, SEPA, Faster Payments, and Interac with consolidated reporting via a single integration. (nuvei.com) | Practice/EHR: No published native EHR/practice-management integrations; healthcare use supported via HIPAA compliance and developer APIs. (zilmoney.com) Banking: 22, 000+ bank connections with real-time connectivity; funds via partner banks Texas National Bank and Lincoln Savings Bank; integrations with QuickBooks, Xero, NetSuite. (zilmoney.com) | Banking: Integrated directly into CSI mobile and online banking platforms for digital payments. Practice/EHR: No publicly documented EHR/practice management integrations. (csiweb.com) |
| Compliance & Data Security | HIPAA-compliant; Tebra signs a BAA. (tebra.com) Role-based access, required 2FA, audit trails, auto session lockouts; FIPS 140-2, validated encryption in transit and at rest; ongoing risk assessments/threat monitoring; hosted on SOC 2 Type 2, certified providers; service auditor’s report (AICPA Trust Services Criteria) and annual PCI DSS audits for payments. (tebra.com) | HIPAA-compliant with a Business Associate Agreement governing PHI and breach notifications; maintains administrative, technical, and physical safeguards. Uses encryption and firewalls; promotes MFA. Requires customer PCI-DSS compliance where applicable; banking is via Live Oak Bank, Member FDIC. (anatomy.com) | PCI DSS Level 1, certified since 2007. (nuvei.com) Uses tokenization (including network tokenization/cryptograms) to reduce PCI scope and secure card data. (docs.nuvei.com) Undergoes regular PCI audits; supports PSD2 Strong Customer Authentication. (nuvei.com) Personal data is processed per Nuvei’s privacy/transfer controls. (nuvei.com) Reconciliation reports can be delivered via secure SFTP. (docs.nuvei.com) | PCI DSS; SOC 1 and SOC 2 Type II; NACHA member; NIST 800-53; ISO 27001/9001/20000; HIPAA, GDPR, CCPA; built-in BSA/AML and KYC. 256-bit encryption at rest/in transit, MFA, and 24/7 AI fraud monitoring. Funds safeguarded via FDIC‑member partner banks. (zilmoney.com) | CSI embeds layered security and compliance into digital payments: advanced authentication (biometrics, step‑up) and anomaly/out‑of‑band checks; ISO 20022, compliant wire creation with FedLine integration, audit trails, and OFAC screening; integrated KYC/ID verification; and real‑time fraud controls (TruProtect ACH) aligned to Nacha’s 2026 monitoring mandate. (csiweb.com) |
| Billing Automation & Revenue Impact | Billing automation: real-time eligibility checks, rules‑engine claim scrubbing, batch submission, automated ERA/EOB posting, denial queuing/auto‑resubmission, and automated patient statements (text/email pay links) with dashboards. Revenue impact: clients report 80, 90% claims auto‑posted and a 21% revenue increase; automation reduces rework and speeds reimbursements. (tebra.com) | Automates billing via AI conversion of paper EOBs to ERAs/835s (saving ~7 minutes/claim), digitized remittances/checks, and no‑touch bank-to-claim reconciliation and posting; reduces manual entry and errors, ensures deposits are reconciled, and accelerates cash flow with a modern healthcare lockbox. (anatomy.com) | Automates billing reconciliation by matching payments across providers and data sources, with real-time settlement visibility and per-transaction interchange prediction. Cuts manual reconciliation time by about 60%, reduces fee-related inquiries, and recovers revenue lost to mismatches, reconciliation errors, and incorrect fees; also helps control processing fees across providers. (nuvei.com) | Automation: Recurring billing and invoice Pay Now links with automatic reminders; Email‑to‑Bill OCR creates payable bills; real‑time sync and auto‑reconciliation with QuickBooks. (zilmoney.com) Revenue: $0 to receive ACH to wallet and $0 eligible outgoing wallet payments; 2% cash back on qualifying wallet balances; pay vendors by card to earn rewards and 30, 45‑day float (2.9% fee). (zilmoney.com) | Supports scheduled, recurring online bill payments and business payments (ACH/wires) for payroll and taxes. Revenue impact: expands fee‑income opportunities, shifts transactions to lower‑cost digital channels to reduce cost‑to‑serve, and keeps P2P activity in‑app to retain engagement and deposits. (csiweb.com) |
TebraCompany Information
"Run your entire practice with one EHR+ platform"
Description
Tebra’s EHR+ platform connects care, billing, scheduling, and more. Built-in AI speeds up notes, handles reviews, and automates repetitive admin work.
What They Do
Provides an all-in-one healthcare management solution for independent practices, including EHR, billing, scheduling, and patient engagement tools.
Who They Serve
Independent healthcare practices across various specialties.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
Tebra EHR+ Platform is an all-in-one EHR solution that brings together charting, billing, telehealth, patient engagement, and compliance tools in a single, cloud-based system. It leverages AI-powered features, integrated workflows, and automation to reduce administrative burden and improve practice efficiency.
Best For
Primary care physicians, Nurse practitioners, Specialty care providers (mental health, pediatrics, family medicine), Solo practices, Group practices, Independent practices
Key Features
- AI-powered charting (pre-built SOAP templates, AI Note Assist, macros, SALT for past notes)
- Integrated e-prescriptions, lab orders, and imaging
- Secure patient information sharing
- Built-in telehealth (no extra logins)
- Automated patient intake, reminders, and online scheduling
- Insurance eligibility verification
- Claims management and error correction
- Patient payment collection via text/email
- Patient portal
- Role-based access and shared charting for group practices
- MIPS-ready reporting and dashboards
- Customizable templates for specialties
Key Benefits
- Faster charting and documentation with AI-powered tools
- Integrated billing and payment collection
- Automated administrative workflows (intake, reminders, scheduling)
- Secure, HIPAA-compliant data management
- Customizable templates and specialty-specific workflows
- Built-in telehealth and virtual care capabilities
- Predictable pricing and minimized hidden costs
- Scalable for solo to group practices
Who Is It For
- Primary care physicians
- Nurse practitioners
- Specialty care providers (mental health, pediatrics, family medicine)
- Solo practices
- Group practices
- Independent practices
Geographic Availability
How It Works
Identify practice bottlenecks and match goals to EHR workflows
Build a connected EHR system with pre-built templates, AI charting, integrated billing, and telehealth
Go live with support for faster charting, fewer billing errors, and optimized workflows
Resources
Supporting Resources
Detailed Comparison
Practice/EHR & Banking Integration
Compliance & Data Security
Billing Automation & Revenue Impact
Anatomy AI-Powered Financial Automation
AnatomyCompany Information
"Automating financial operations for healthcare"
Description
Anatomy's suite of financial automation solutions supports any healthcare organization that bills insurance, including medical or dental practices, MSOs/DSOs, billing/revenue cycle management companies, and digital health providers.
What They Do
Provide financial automation solutions specifically tailored for healthcare organizations.
Who They Serve
Healthcare organizations that bill insurance, including medical and dental practices, MSOs/DSOs, billing/revenue cycle management companies, and digital health providers.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Social Media
Key Pages
Summary
An AI-powered financial automation platform for healthcare organizations that automates back-office operations by linking bank, claims, and accounting data. Provides real-time financial insights and automated financial processes for healthcare providers.
Key Features
- AI-driven automation connecting bank, claims, and accounting data to deliver real-time financial insights and streamline back-office operations specific to healthcare organizations.
Detailed Comparison
Practice/EHR & Banking Integration
Compliance & Data Security
Billing Automation & Revenue Impact
Reconciliation Management
Rectangle Health / NuveiCompany Information
"Payments designed to accelerate your business"
Description
Nuvei is building the infrastructure for every payment, everywhere. Its modular, flexible, and scalable technology enables leading companies to accept next-generation payments, offer all payout options, and benefit from card issuing, banking, risk, and fraud management services.
What They Do
Nuvei offers payment processing, fraud and risk management solutions, and other financial services.
Who They Serve
Businesses and enterprises looking for payment solutions across multiple channels.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Summary
Reconciliation Management by Nuvei automates the process of matching and reconciling payments from various providers and data sources. It supports all credit cards and over 700 alternative payment methods, providing a clear financial overview and reducing the risk of mismatches, errors, and incorrect fees. The solution is available in two variants: Reconciliation Manager (automated) and Reconciliation Manager+ (fully managed).
Best For
Businesses processing payments across multiple service providers and data sources, Organizations seeking to automate or fully outsource payment reconciliation, Companies using credit cards and/or a wide range of alternative payment methods
Key Features
- Automated matching and reconciliation of payments across multiple service providers and data sources
- Support for all credit cards and over 700 alternative payment methods
- Clear financial overview to ensure revenue accuracy
- Revenue recovery from mismatches, reconciliation errors, and incorrect fees
- Control of processing fees across providers
- Dedicated Account Manager for managed service (Reconciliation Manager+)
- Elimination of complexity and bookkeeping errors
- Reduction of customer support tickets and technical issues
- Implementation, updates, and reporting handled for managed service
Key Benefits
- Faster, more accurate, and less expensive reconciliation management
- Saves revenue that would otherwise be lost to mismatches, errors, and incorrect fees
- Provides a clear overview of finances and ensures revenue is where it should be
- Reduces complexity and bookkeeping errors
- Recovers lost revenue more easily
- Reduces customer support tickets and technical issues
- Controls processing fees across providers
Who Is It For
- Businesses processing payments across multiple service providers and data sources
- Organizations seeking to automate or fully outsource payment reconciliation
- Companies using credit cards and/or a wide range of alternative payment methods
More accuracy, control and revenue
Choose from two ways to make payment reconciliation a breeze - either as an automated or fully managed service.
Automated and streamlined transaction management
Automatically match and reconcile your payments across multiple service providers and data sources. We can connect, integrate and monitor any new method. With a streamlined process, everything is faster, more accurate and less expensive to manage.
- Save revenue that would otherwise be lost to mismatches, reconciliation errors and incorrect fees
- Get a clear overview of your finances and ensure that your revenue is exactly where it should be
- All credit cards and over 700 alternative payment methods are supported
Totally managed solution to save time and money
Nuvei Reconciliation Manager+ takes care of the entire process all the way from implementation to updates, and reporting. Save more time, reduce customer support tickets, spot technical issues and save more money.
- Set up taken care of by a dedicated Account Manager
- Eliminate complexity and bookkeeping errors
- Recover lost revenue easier than ever
- Control processing fees across providers
Resources
Supporting Resources
Detailed Comparison
Practice/EHR & Banking Integration
Compliance & Data Security
Billing Automation & Revenue Impact
Zil Money Payment Operations Platform
ZilMoneyCompany Information
Zil Money is a financial technology company that offers a range of payment management solutions for businesses, including online check writing, credit card payments, ACH payments, and wire transfers. The company provides a user-friendly platform for businesses to manage their finances, pay bills, and get paid. Zil Money is not a bank or an FDIC member, but it offers banking services through partnerships with FDIC member banks.
"Your complete payment operations platform. Zero fees. Real rewards."
Keywords
Description
Zil Money is a fintech platform that provides a comprehensive payment operations solution, allowing businesses to send, receive, and automate payments with zero fees on eligible transactions and cash back on qualifying payments.
What They Do
Zil Money offers a platform for managing payment operations, including sending and receiving payments through various methods such as ACH, wire transfers, checks, and credit cards.
Who They Serve
Zil Money serves businesses of all sizes, from startups to enterprises, across various industries.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Summary
A unified payment operations platform for businesses to manage accounts payable and receivable, automate bill payments, process payroll, and handle vendor payments using multiple payment methods. Zil Money eliminates transaction fees on eligible wallet payments, provides cash back on qualifying transactions, and offers advanced automation, integrations, and security.
Best For
Startups, Small businesses, Enterprises, SaaS platforms, Fintech companies, Financial institutions, Platform businesses, Industries including real estate, healthcare, legal, e-commerce, professional services, manufacturing, construction, technology, government, utilities, education, insurance, mass transit, membership clubs, retail, billing services, food & beverage, wine & spirits, charitable organizations, logistics, wholesale
Key Features
- Send payments via ACH, wire, check (digital or mailed), international, bill pay, virtual cards, and credit card
- Receive payments and automate accounts receivable
- Bulk payment processing with CSV upload
- Automated bill payments and auto-reconciliation
- Custom-branded digital checks and check mailing service
- Virtual card issuance with custom limits and controls
- Real-time payment tracking and reporting
- Developer APIs for all payment types with sandbox and documentation
- White label platform options for enterprises
- 22, 000+ bank integrations and real-time connectivity
- Multi-factor authentication and AI-powered fraud monitoring
- Integrations with QuickBooks, Xero, FreshBooks, Sage, Wave, NetSuite, and more
- FDIC-insured funds via partner banks (Texas National Bank, Lincoln Savings Bank)
- Advanced compliance: BSA/AML, KYC, NACHA, PCI DSS, GDPR, HIPAA, CCPA, NIST 800-53
Key Benefits
- Zero transaction fees on eligible wallet payments (ACH, wire, check, bill pay, etc.)
- Cash back on qualifying wallet transactions
- Earn credit card rewards on vendor and payroll payments
- Consolidate all payment methods and tools in one platform
- Automate bill payments, bulk processing, and reconciliation
- Real-time tracking and unified reporting
- Seamless integrations with 22,000+ banks and major accounting software
- Bank-grade security and compliance (SOC 2, PCI DSS, ISO 27001, etc.)
- No complicated onboarding; start in minutes
- Volume discounts for high-volume operations
Who Is It For
- Startups
- Small businesses
- Enterprises
- SaaS platforms
- Fintech companies
- Financial institutions
- Platform businesses
- Industries including real estate, healthcare, legal, e-commerce, professional services, manufacturing, construction, technology, government, utilities, education, insurance, mass transit, membership clubs, retail, billing services, food & beverage, wine & spirits, charitable organizations, logistics, wholesale
Use Cases
- Accounts payable and receivable automation
- Vendor payments (including via credit card even if vendor does not accept cards)
- Payroll processing (including via credit card)
- Bulk payment processing (payroll, vendors, etc.)
- Bill payment automation
- International payments
- Digital and mailed check issuance
- Virtual card issuance and management
- Integration with accounting and banking systems
- White label payment platform for financial institutions and platforms
Geographic Availability
Your complete payment operations platform. Zero fees. Real rewards.
Send money every way—ACH, wire, check, international, credit card to vendors and payroll. Receive payments effortlessly. Automate everything. Pay $0 on eligible transactions. Earn cash back on qualifying payments. This is what complete looks like.
- Zero fees on eligible transactions
- Earn cash back on qualifying payments
- Automate all payment operations
Transform how you handle payments.
Four ways Zil Money changes your payment operations for the better.
- Eliminate transaction fees
- Earn rewards on business expenses
- Consolidate all payment tools
- Automate payment operations
Every payment capability your business needs.
Send money, receive money, and automate operations—all from one platform.
- Pay Vendors with Credit Cards
- Run Payroll with Credit Cards
- ACH & Wire Transfers
- Digital Checks
- Check Mailing Service
- International Payments
- Automated Bill Payments
- Virtual Cards
- Bulk Payment Processing
Built to scale from startup to enterprise.
APIs for developers. White label for platforms. Bulk processing for volume.
- Comprehensive APIs for all payment types
- White label platform options
- Bulk payment processing with CSV upload
Connects with everything you already use.
Seamless integrations with your accounting software, banking partners, and business systems.
- Automated sync with accounting platforms
- 22,000+ bank integrations
- Real-time connectivity
- FDIC member bank partners
- Secure bank-grade connections
- Business tools: group mailing, document mailing, card processing, email writer, knowledge base, shipping label, bank data, positive pay
- All major payment rails: ACH, wire, USPS, Ripple, card networks
Your money. Our priority.
Bank-grade security protecting every transaction, every time. We don’t just meet security standards—we exceed them.
- 256-bit encryption
- SOC 2 Type II certified
- FDIC member bank partners
- Multi-factor authentication
- 24/7 AI-powered fraud monitoring
- Full compliance: BSA/AML, KYC, NACHA, PCI DSS
Common questions answered.
Everything you need to know about transforming your payment operations.
- How to pay $0 in transaction fees
- How credit card vendor payments work
- Payroll with credit card
- Cash back on payments
- Comparison with current payment setup
- Quick onboarding
- Selective feature usage
- Money safety and security
- Accounting software integrations
- Support and service
Ready to transform your payment operations?
Join over 1 million businesses that have eliminated payment fees and started earning rewards instead.
- Zero fees on eligible transactions
- Cash back on qualifying payments
- Credit card rewards on vendor and payroll payments
Resources
Detailed Comparison
Practice/EHR & Banking Integration
Compliance & Data Security
Billing Automation & Revenue Impact
CSICompany Information
CSI is a leading fintech, regtech and cybersecurity partner offering today's top innovations to help businesses grow. They provide a range of solutions including core banking software, managed cybersecurity, managed IT services, financial crimes prevention, and advisory services.
"High tech, meet high touch."
Keywords
Description
CSI provides modern software and open technologies to help banks and credit unions compete effectively in a digital landscape while maintaining a high level of service.
What They Do
They provide core banking software, managed cybersecurity, managed IT services, financial crime solutions, and advisory services.
Who They Serve
Banks and credit unions.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
A comprehensive digital payment platform integrated with online and mobile banking that supports bill pay, P2P payments, ACH, wire transfers, and account-to-account transfers. Delivers convenient, secure money movement for both consumer and business accounts.
Key Features
- Integrated payment suite that plugs directly into mobile and online banking platforms with flexible payment options and secure money movement capabilities for financial institutions serving healthcare practices.
Detailed Comparison
Practice/EHR & Banking Integration
Compliance & Data Security
Billing Automation & Revenue Impact
Our Ranking Methodology
How we rank these offerings
We ranked these digital banking platforms for healthcare practices managing patient payments and remote billing in USA based on three key factors: Practice/EHR & Banking Integration (40% weight), Compliance & Data Security (35% weight), and Billing Automation & Revenue Impact (25% weight). EHR+ Platform scored highest because of its deep integration with practice management systems, robust compliance protocols, and substantial impact on billing automation and revenue. Anatomy AI-Powered Financial Automation followed closely due to its financial automation capabilities and compliance adherence.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for digital banking platforms in healthcare for managing patient payments?
- Pricing models for digital banking platforms in the healthcare sector often include SaaS-based subscription fees, with variations based on the number of users or transactions. Reconciliation Management by Nuvei might charge for its two variants, Reconciliation Manager and Reconciliation Manager+, based on automation level and management oversight. Zil Money offers cost savings through the elimination of transaction fees on eligible payments and cash back incentives, impacting the overall cost structure positively.
- What are the key considerations when selecting a digital banking platform for healthcare practices?
- Key selection criteria include integration capabilities with existing EHR systems, security features, payment method support, and user-friendliness. Platforms like Tebra EHR+ offer comprehensive integration with charting and billing processes, enhancing operational efficiency. Similarly, Anatomy AI-Powered Financial Automation provides real-time insights by linking bank and claims data, which is crucial for informed financial decisions.
- What industry standards and compliance must digital banking platforms meet for healthcare payments?
- Healthcare payment solutions must comply with HIPAA for secure handling of electronic medical records and transactions. Solutions like CSI Digital Payment Solutions integrate with banking systems for secure transactions, ensuring compliance with financial regulations. Additionally, automated reconciliation platforms such as Reconciliation Management ensure accurate data handling, minimizing errors and compliance risks.
- What implementation challenges might healthcare practices face with digital banking platforms, and what solutions exist?
- Challenges include integration with existing healthcare and EHR systems, data migration, and staff training. Tebra EHR+ mitigates these with a cloud-based platform that reduces administrative burdens through automated workflows. Anatomy AI's linkage of bank and accounting data promotes smooth integration and eases data migration concerns, providing streamlined financial processes.
- How do digital banking platforms deliver ROI and value to healthcare practices?
- Digital banking platforms enhance ROI through increased operational efficiency, reduced transaction costs, and improved financial oversight. Zil Money, for instance, eliminates transaction fees on eligible wallet payments, directly impacting cost savings. Reconciliation Management automates financial processes, reducing errors and enhancing productivity, further improving financial outcomes for healthcare practices.
Our Promise: We promise to deliver the highest quality company and offering data, free from sponsored bias. We compile data from across the internet, to give the most accurate and true rankings, according to our transparent algorithms.