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The way you’re refunding patients can be better

Paper-based processes are slow, costly, and not in line with patient expectations and preferences.

Digital Payouts delivers simple, transparent, and secure patient refunds—built for healthcare to create a frictionless experience for patients and providers. This enables us to integrate deeply and meaningfully to optimize for digital acceptance and elevate patient satisfaction. Providers automate the refund process while patients receive convenient, secure digital payment options, all within a HIPAA and HITRUST certified environment.

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Why InstaMed Digital Payouts?

Streamlined Patient Refunds: Faster, Flexible, Secure

Automated at scale,
single platform simplicity

Automate bulk refunds and manage pay-in and payout on one platform—healthcare’s first B2C payout solution combining both—cutting FTE time and streamlining reconciliation.
 

Merchant Match to drive efficiencies

When using InstaMed for merchant processing, you get access to Merchant Match, which identifies existing patient relationships through automated account matching. It then notifies patients of refunds and processes payments back to their original payment method—all without manual intervention.

Flexible, patient-preferred refunds

Patients receive clear, digital communications and can choose from multiple payment options—Venmo, Zelle, PayPal, push to card, ACH, and prepaid cards (digital or physical).1 If a patient doesn’t act after the email notification, we mail a follow up letter that guides them back to our digital experience, prioritizing consumer friendly options before any physical payment is issued.

Escheatment Management

Transparent remittance and digital delivery make refunds easier to understand and receive, preventing refunds from drifting into escheatment and reducing administrative burden. Improve reconciliation by outsourcing escheatment requirements, eliminating operational overhead related to state escheatment requirements.

Built for compliance and cost control

HIPAA-compliant remittance is delivered digitally on a HITRUST-certified platform, with proactive nudges that reduce escheatment as well as printing and postage costs.

Want to increase efficiency and optimize patient refunds?

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Upcoming Webinar!

InstaMed Digital Payouts:
Automated Patient Refunds Built for Healthcare

Learn how to modernize patient refund payments with automated digital payouts. Join our healthcare payments experts live on Wednesday, May 13 at 1:00 PM ET.

Register for the Webinar

The
Patient Refund Problem

Healthcare providers are still refunding patients through legacy, paper-based workflows—especially check issuance—spread across siloed systems, driving materially higher per-refund costs (often estimated at $4–$10 per check2), slower payouts, and greater compliance exposure.

As refund volumes outpace digitization, patients experience confusing, delayed payments and providers shoulder a growing operational burden. The result is a fragmented process that undermines speed, transparency, reconciliation, and compliance.

Refunds are rising:

43% of consumers report receiving a provider refund in 2025, up from 34% in 2024.3


Digitization lags:

only 13% received refunds via digital rails; most still got paper checks (51%).3


Patient impact:

46% cite slow refunds as their top frustration.3

“Digital Payouts transformed our refund experience, enabling AEG Vision to process patient refunds for independently owned optometry practices through a seamless digital platform that eliminates manual, paper-based processes and gives patients clear, flexible refund options. The intuitive reporting and streamlined outreach mean faster refunds and fewer follow-ups.”

AEG Vision
Katherine Tonsi,
Vice President Core Controller,
AEG Vision

Establish Trust
With Patient Security and Compliance

InstaMed is HIPAA compliant and HITRUST CSF certified.

  • Send refunds with the highest level of security and compliance
  • HIPAA-compliant remittance information included with every refund
  • Strong controls, audit trails, and fraud protection


Learn more about Security and Compliance for Healthcare Payments

Ready to modernize patient refunds?

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1Eligibility for particular services and solutions is subject to additional conditions and final determination by J.P. Morgan Healthcare Payments and or its affiliates.

2AFP Payments Cost Benchmarking Survey.

3Trends in Healthcare Payments Sixteenth Annual Report