Payment plan setup and recurring billing

Purpose

1.1. Automate payment plan creation and recurring billing workflows for allergist practices to streamline revenue collection, minimize missed payments, ensure regular patient invoicing, auto-track outstanding balances, and deliver compliance-ready notifications to patients and staff.
1.2. Provide patients flexibility via installment arrangements for high-value allergy diagnostics or treatment services, while maintaining predictable cash flow for the practice.
1.3. Eliminate manual payment schedule tracking, automate dunning/reminder processes, and connect billing actions to EHR updates or insurance claim status.

Trigger Conditions

2.1. New patient enrolls in multi-stage allergy treatment requiring installment billing.
2.2. Initial invoice for allergy testing exceeds patient-defined threshold and “payment plan” flag is enabled.
2.3. Patient submits a payment plan request via clinic portal or response to automated email/text offer.
2.4. Claim adjudication signals partial patient responsibility requiring automated payment setup.
2.5. Recurring billing date arrives or prior installment remains unpaid.

Platform Variants

3.1. Stripe
• Feature: Subscription Schedules API
• Config: POST /v1/subscription_schedules for establishing recurring invoices; webhooks for payment success/failure.

3.2. Square
• Feature: Payment Plan Management
• Config: CreateInvoice endpoint with recurring flag enabled and due_date series.

3.3. PayPal
• Feature: Subscriptions API
• Config: POST /v1/billing/subscriptions for auto-pay setup, GET /v1/billing/subscriptions/{id} for status polling.

3.4. QuickBooks Online
• Feature: Recurring Transactions
• Config: CreateRecurringTransaction for patient payment plans linked to patient records.

3.5. FreshBooks
• Feature: Automatic Recurring Payments
• Config: Recurring Profile POST endpoint, attaching allergy-specific invoice templates.

3.6. Zoho Subscriptions
• Feature: Create Subscription
• Config: subscriptions API for allergy service plan templates and renewal automation.

3.7. Chargebee
• Feature: Subscription Module
• Config: Create Subscription API with custom “allergy plan” metadata and dunning rules.

3.8. Recurly
• Feature: Subscription API
• Config: POST /subscriptions for installment allergist service plans; event hooks for overdue notices.

3.9. Authorize.Net
• Feature: Automated Recurring Billing (ARB)
• Config: ARBCreateSubscriptionRequest for allergy service series.

3.10. Wave
• Feature: Recurring Invoices
• Config: POST /recurring_invoices to prompt email reminders and auto-apply payments.

3.11. Braintree
• Feature: Recurring Billing
• Config: Subscription.create for patient setup and webhook notifications on failures.

3.12. Xero
• Feature: Repeating Invoices
• Config: POST /invoices/repeating for scheduled invoice creation and overdue triggers.

3.13. GoCardless
• Feature: Mandate & Subscriptions API
• Config: Create payment plan via mandates and schedule via subscriptions/create.

3.14. Fusebill
• Feature: Automated Billing & Dunning
• Config: POST /subscriptions and define allergy treatment milestones as charges.

3.15. Gocardless
• Feature: Subscriptions Setup
• Config: API call to create recurring payment with allergy-specific metadata.

3.16. Intuit Payments
• Feature: Recurring Invoice API
• Config: Setup auto-billing rules for allergy service codes.

3.17. Sage Intacct
• Feature: Contracts & Recurring Billing
• Config: contractRecurringEntry for scheduled patient payments on file.

3.18. Oracle NetSuite
• Feature: SuiteBilling Subscription API
• Config: POST /suitetalk/subscriptions for allergy plans, pro-rate for partial periods.

3.19. Chargify
• Feature: Components API
• Config: CreateComponent for allergy services; Subscription API for plan activation.

3.20. Klarna
• Feature: Payment Scheduling
• Config: CreateOrder with “pay later” installment plan for eligible allergy services.

3.21. Mollie
• Feature: Subscriptions
• Config: Create a subscription for allergy plans linked to a customer profile.

3.22. PaySimple
• Feature: Recurring Billing API
• Config: CustomerSetup and ScheduleAutoPay for predefined treatment periods.

Benefits

4.1. Reduces administrative workload by removing need for manual installment tracking and follow-up.
4.2. Increases payment reliability, decreasing outstanding aging and bad debt risk.
4.3. Improves patient satisfaction by presenting transparent, manageable payment options and automated reminders.
4.4. Ensures payment compliance by supporting audit-ready documentation and patient consent logs.
4.5. Unlocks scale, enabling practice growth without scaling admin staff.
4.6. Instant linkage to insurance billing and EHR/EMR records for accurate, real-time status.
4.7. Enables configurable escalation (notices, holds) for missed or failed payments.
4.8. Supports analytics on payment plan uptake and overdue rates for business optimization.