Healthcare

Healthcare payments built for speed, security and scale

In healthcare, every second counts — and payments must move quickly. When insurance reimbursements, patient refunds or payroll get delayed, operations slow and teams end up with extra work.

SHAZAM helps healthcare organizations modernize how money moves. Our scalable payments infrastructure connects you directly to the U.S. payments system, enabling real-time healthcare payments, faster reimbursements and secure digital disbursements. It’s a smarter way to manage the financial side of care — with technology built for speed, precision and long-term growth.

Because we combine secure payment rails, modern APIs and access to multiple payment networks, SHAZAM supports faster payments for healthcare while helping reduce administrative costs and improve the patient and provider financial experience. From patient-facing tools to automated payment solutions, we help organizations eliminate friction and streamline everything behind the scenes.

In an industry where every moment matters, SHAZAM empowers healthcare organizations to operate with greater speed, security and financial control — all supported by modern payments infrastructure designed for the future of care.

Solving the biggest healthcare payment challenges

Even with rapid clinical innovation, many healthcare payment workflows remain stuck in systems that weren’t built for today’s needs. Fragmented billing workflows, slow settlement cycles and rising patient expectations make fast, secure and compliant payments essential.

At the same time, healthcare organizations must navigate strict data and security requirements — increasing demand for a scalable healthcare payments infrastructure that evolves with industry changes.

SHAZAM helps overcome these challenges with secure, real-time healthcare payments built for accuracy, speed and scale. Our infrastructure moves funds across trusted networks nationwide, empowering you to deliver instant, reliable payments while maintaining the highest standards of security and compliance.

Instant patient and provider payouts

Challenge:

Traditional payment methods — including ACH transfers and mailed checks — can take days to reach patients and providers. These delays create friction across the healthcare ecosystem, slowing reimbursements, postponing refunds and increasing billing inquiries.

Solution:

The Peregrine™ payments gateway enables instant claims disbursement and real-time patient and provider payouts through a direct connection to the U.S. payments system.

Our secure gateway enables you to route approved payments to nearly every debit card and account in the U.S. within seconds.

You also gain access to real-time transaction reconciliation and dependable 24/7/365 payments processing, reducing revenue cycle delays and administrative strain.

Optimize fragmented connections

Challenge:

Healthcare payments frequently rely on fragmented financial connections that make it difficult to move money efficiently between providers, patients and financial institutions. When network connections are slow or costly, organizations face higher expenses, delayed reimbursements and inconsistent card acceptance.

Solution:

As one of the nation’s largest independent debit networks, the SHAZAM payments network provides unified, modern infrastructure that keeps healthcare funds moving quickly and cost effectively.

Our network bridges healthcare payment programs and financial institutions nationwide — improving economics, expanding acceptance and supporting real-time healthcare payments across the country.

With SHAZAM, you gain a connected payments foundation that reduces friction, enhances performance and supports scalable growth.

Simplify & strengthen compliance

Challenge:

Like healthcare, the payments industry is highly regulated — and the rules constantly evolve. New mandates, regulatory updates and industry standards require continuous oversight and specialized knowledge. Managing this internally strains resources and increases the risk of delays, processing issues and workflow disruptions.

Solution:

SHAZAM simplifies and strengthens compliance by managing the regulatory and network requirements that underpin U.S. payment rails. Our team continuously monitors rule changes, updates systems and ensures alignment with national standards — giving you a fully HIPAA-compliant payments processor without the added operational burden.

By relying on SHAZAM’s oversight, your organization stays compliant and operational without diverting resources from higher-value work.

This reduces risk and ensures every transaction moves through a fully maintained, fully compliant payments environment.

Deliver a better debit card program

Challenge:

Healthcare organizations offering HSA, FSA or other benefit-based debit card programs often struggle with the operational complexity behind card issuance and processing. Managing disputes, fraud, security controls, card production, analytics and compliance can overwhelm teams — especially when systems are fragmented.

Solution:

The Peregrine™ platform brings debit card issuance and processing into one integrated environment.

Features include automated dispute and fraud management, on-demand card production, real-time analytics and instant security controls — without adding back-office complexity.

With support for FSA/HSA debit card processing, contactless and digital wallet cards, and compliant document preparation for tax advantaged accounts, you can deliver a smoother, more modern cardholder experience from end to end.

How SHAZAM helps healthcare payments flow

Because SHAZAM is one of only three U.S. providers that owns both its debit network and its processing platform, healthcare organizations gain a tightly connected payments experience from card issuance to instant patient and provider payouts.

This dual role eliminates fragmentation between issuers, processors and networks — allowing you to connect once and unlock end-to-end control of your card program, billing workflow and money movement.

Connect to SHAZAM’s payments environment

Choose the integration path that fits your systems — from direct platform connections to gateway access or APIs. Each option provides a secure entry point to SHAZAM's network and payments processing ecosystem.

Manage accounts through a unified portal

A centralized portal streamlines account operations, including single entry HSA setup and integrated document preparation through Wolters Kluwer Expere^®. This reduces manual steps and keeps account creation compliant.

Strengthen fraud, dispute & security controls

The same portal provides access to fraud and dispute management tools. Built-in features like centralized oversight, transaction-level blocking controls and automated dispute resolution ease administrative burden.

Move money instantly across U.S. payment rails

Leveraging the Peregrine™ gateway and the SHAZAM payments network, your team can initiate instant disbursements, reconcile payments in real time and push funds to nearly 100% of U.S. debit cards and deposit accounts in seconds.

Trusted payments expertise for the healthcare industry

Backed by more than 50 years of payments experience, SHAZAM provides the reliability, strength and modern capabilities healthcare organizations need to streamline operations and safeguard patient financial data.

Whether you’re exploring how instant payments work in healthcare, expanding digital disbursements or reducing friction in billing operations, SHAZAM delivers secure, scalable solutions built for the evolving healthcare payments ecosystem.

Curious what real-time, compliant payments could look like for you?