For healthier payments infrastructure
Healthcare Payment Solutions for Faster, Smarter Payments
From capturing payment details at booking to settling funds in real time and paying individual practitioners directly, Monoova can help Australian healthcare practices and the platforms that support them to reduce manual admin, lower reliance on credit card payments and simplify payment workflows.
- Capture payment details at booking by card or PayTo, and establish an authorised payment arrangement for future use
- Collect agreed no-show fees using the patient’s authorised payment arrangement¹
- Make online payments easier for hospitals and clinics
- Offer recurring billing for subscription-style care
- Split payouts directly to individual practitioners
- Receive supported account-to-account payments in real time, including outside standard business hours
- Reduce reliance on credit card payments by offering lower-cost alternatives such as PayTo and PayID
1 Subject to the patient’s authority and available funds
Built for different sides of the healthcare payment experience
Solutions for healthcare providers and the platforms that support them
Healthcare payment needs differ depending on whether you are running a practice or building the technology that practices rely on. Monoova supports both, with payment infrastructure that can sit alongside existing practice management and claiming workflows.
For practices, clinics and healthcare groups
Simplify how you collect patient payments, manage deposits and no-show fees, reconcile incoming funds and distribute payments to individual practitioners.
For practice management platforms and healthtech providers
Embed payment collection, settlement, reconciliation and payout functionality into your software through a single integration, without building and maintaining the payment infrastructure internally.
For practices, clinics and clinicians
Smoother payments at every step of the patient journey
Monoova allows healthcare practices to capture card or PayTo details when a patient books their appointment, so authorised payment arrangements are already on file when they walk in.
That can help to:
- Reduce the need for manual card taps, payment processing and paperwork at the front desk
- Apply no-show fees that patients have agreed to in advance
- Offer simplified payment functionality for online consultations
- Offer additional ways to collect deposits, gap payments and patient-owed amounts
- Support recurring payment plans where ongoing care is provided
When it’s time to pay out, Monoova can split funds directly to each practitioner’s own account rather than routing everything through the practice first, which can give practitioners more autonomy and help reduce admin time.
Designed for the claims ecosystem
Manage the payments that sit around the claim
HICAPS, Medicare Easyclaim and health fund claiming solutions can continue to manage eligible rebates and claims. Monoova can complement that process by helping practices manage the payments that sit around the claim.
This can include:
- Gap and patient-owed amounts
- Deposits collected when an appointment is booked
- Payments for telehealth and online consultations where there is no physical terminal in the room
- Recurring payment plans
- No-show or cancellation fees where an appropriate patient authority is in place
- Payouts to individual practitioners
- Automated reconciliation of supported incoming payments
Monoova is designed to work alongside your claiming workflow, and Monoova helps you collect, settle and reconcile supported patient payments.
For larger multi-practitioner groups, Monoova can also support practitioner-level payout workflows outside the terminal environment, which can help reduce the need to manually distribute funds after the patient payment has been received.
For practice management platforms and healthtech providers
Add payment functionality to the software healthcare providers already use
Practice management systems handle bookings, invoicing and patient records, but payments, settlement and reconciliation generally need their own dedicated infrastructure within this software.
Monoova can provide the underlying payment infrastructure through a single integration, enabling platform providers to offer real-time payments, split payouts and automated reconciliation for the hospitals, clinics and practitioners using their software.
Platform and healthtech providers can use Monoova to:
- Offer practices multiple ways to collect patient payments
- Support payment collection at booking and after an appointment
- Enable split payouts to individual practitioners
- Help practices reconcile supported incoming payments against patients, invoices or billing entities
- Add payment functionality without building and maintaining the underlying infrastructure internally
- Create new payment features within the platform experience
For hospitals
Invoicing & payment solutions built for larger, one-off transactions
Hospitals typically operate with fewer, larger transactions tied to pre- and post-operative deposits and invoicing rather than routine checkout.
Monoova can support this with unique virtual accounts or PayID per patient or billing entity, BPAY, card payments and payment links that can be embedded directly into an invoice, so patients can pay by card, PayTo or PayID with one click.
This can give hospitals more flexibility when collecting deposits, managing patient-owed balances and reconciling larger payments against the correct patient or invoice.
Make Money Move
1. Smooth, flexible payment experience
Capture payment details at booking and give patients a secure way to pay by card, PayTo or PayID.
2. Fast payments & reconciliation
Receive supported payments in real time, including outside standard business hours, with less manual processing required.
3. Fast, flexible disbursements
Pay individual practitioners directly from a single transaction, which can help reduce the admin of distributing funds internally.
Helping to cut the cost of accepting payments
Reduce credit card dependency
Card processing fees have traditionally been passed straight on to patients, but with recent changes limiting surcharging on card payments, it’s worth exploring lower-cost alternatives.
PayTo payment solutions and PayID can be lower-cost alternatives to card payments and give practices a way to offer a fast and familiar payment experience without absorbing rising card costs.
API functionality
Getting set up with Monoova
Monoova connects to your existing systems through a single API integration, so practice management platforms don’t need a complete overhaul to modernise financial transactions.
Once connected, Monoova supports settlement, split payouts and reconciliation of supported payments within your existing systems. Clinics and hospitals can keep working in the systems they already know, while Practice Management Systems can introduce their own features and upgrades while Monoova can help take care of moving and matching money.
Security at the core
Protecting you and your patients
We’re experts in payments and security so you don’t need to be. Our platform is PCI-DSS and SOC 2 compliant, with multi-factor authentication included as standard, and end-to-end encryption.
Monoova Payments Pty Limited is an authorised representative (AR No. 428863) of Monoova Global Payments Pty Ltd (AFSL 421414) and is subject to AML/CTF obligations administered by AUSTRAC.
Reduce “orphan” payments
Automated reconciliation to help reduce admin workload
Patients, insurers and third-party providers all pay differently, and on different timelines, which makes manual matching harder as volume grows.
Monoova’s payment infrastructure can help track incoming payments as they land and can match them automatically to the relevant patient, invoice or billing entity where payment references are available.
Automation can help limit the additional admin work as volumes grow.
- Automated matching across supported payments from patients, insurers and third-party payers
- Real-time visibility as payments land
- Designed to reduce unmatched payments compared with manual reconciliation
- Reconciliation designed to scale as transaction volumes grow
Trusted by regulated Australian businesses
Monoova supports organisations that manage high-volume payment flows, helping automate collections, reconciliation and disbursements through a single payment infrastructure platform.
Why Choose Monoova?
One platform. Multiple payments.
Manage supported payment types, including PayTo, PayID, cards, BPAY and Direct Debit, working alongside your existing claiming solutions.
Monoova gives healthcare clinics, healthcare groups, platforms and hospitals:
- Real-time funds settlement, available around the clock
- Split payouts to individual practitioners
- Automated reconciliation that scales with transaction volume
- A single integration that connects with your existing tech stack
- Greater visibility over supported incoming and outgoing payment flows
- Local support, built for the Australian payments landscape
Access more ways to make money move®
Cards
With Monoova, you can accept debit, credit, Google Pay and Apple Pay.
Direct Debit via Monoova
Enable and receive Direct Debit payments a full day faster.
BPAY
BYO biller code or set one up with Monoova.
Monoova is your partner to make money move®
The latest articles
Marketplace Payments and Seller Payouts: Managing Growth at Scale
Managing FX Risk for Australian Exporters
e-Fraud: What is it and how Australia’s Payments Industry is Fighting Back
Fixing Payment Friction in Education: From Enrolment to Fee Collection
FAQs
Frequently asked questions for merchants.
Healthcare payment solutions help hospitals, clinics and medical practices collect patient payments, manage payment workflows, reconcile transactions and distribute funds to practitioners. Monoova provides payment infrastructure designed to support these processes.
Healthcare practices can use supported payment methods, including PayTo and cards, to collect authorised patient payments and streamline billing, settlement and reconciliation workflows.
Yes. Monoova offers API-based payment infrastructure that practice management and HealthTech platforms can integrate into their existing software, subject to technical requirements.
No. Monoova can complement existing claiming systems by supporting eligible patient payment collections, deposits, gap payments, practitioner payouts and reconciliation workflows.
Monoova supports PayTo payment arrangements, including recurring payments, subject to customer authorisation and applicable requirements.