Build on the bank that knows healthcare
Read every dollar. Move every dollar. One API.
Read every account, transaction, remittance, EOB, and lockbox item as JSON. Move money on every rail. Embed healthcare-native banking in your own product.
Three things no general-purpose banking API gives you.
Accounts, transactions, remittances, EOBs, and lockbox items, all as JSON, all scoped per entity, with webhooks on every change.
Resources
Lemma is the only API that turns a paper EOB into structured JSON, matching the same schema as a clearinghouse 835.
Scanned EOB
Structured JSON
{
"payer": "Aetna",
"cpt": "99214",
"paid": 134.40
}ACH, RTP, FedNow, checks, and virtual cards from one endpoint, with trace numbers and idempotency keys built in.
POST /v1/transfers
{
"amount": 4312.50,
"rail": "rtp"
}{
"status": "settled"
}Open entity accounts, issue cards, run payouts, and show balances inside your own product. Lemma handles the banking behind it.
Your RCM dashboard
RCM and billing platforms
Pull every payment, EOB, and 835 as JSON and post automatically.
Practice management and EHRs
Show balances and payer deposits next to the claim.
Payers, TPAs, and provider networks
Auth
Bearer API keys, scoped per platform.
Idempotency
Required on every POST. Safe retries.
Webhooks
Signed events for every transfer, deposit, and document.
Rate limits
500 requests per minute per key.
Compliance
HIPAA, BAA signed, FDIC through Core Bank.
Support
Engineers on Slack during integration.
Payment Infrastructure for TPAs and Health Plans
Pay provider networks on every rail, from your own account.
MSO-PC Infrastructure
Split pooled deposits and automate intercompany invoices.
Remittance Reconciliation
Deposits matched to remittance automatically.
Lockbox
A dedicated address for every payer check.
Integration
Connect your clearinghouse, EHR, and books.
Accounts, balances, transactions, transfers, remittances, EOBs, lockbox items, entities, and cards. Everything as JSON, scoped per entity.
Transfers on ACH, RTP, FedNow, check, and virtual card. Card issuance and limits. Entity and account creation for approved platforms.
Paper EOBs arrive at the lockbox, are digitized, and are extracted into the same schema as an 835. Low-confidence fields are flagged.
Yes, with test accounts and simulated rails. Ask for sandbox keys.
Approved platforms. Book a call and we turn on keys the same week.
Read them at getlemma.com/docs/api-reference/introduction.