> [llms.txt](https://getlemma.com/llms.txt)

# Healthcare money, as an 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.

[Read the docs](https://getlemma.com/docs/api-reference/introduction) · [Book a demo](https://calendly.com/d/ct72-djp-r7w)

## Full read. Full write. Healthcare-shaped.

Three things no general-purpose banking API gives you.

### Read everything

Accounts, transactions, remittances, EOBs, and lockbox items, all as JSON, all scoped per entity, with webhooks on every change.

### EOBs and 835s as JSON

Lemma is the only API that turns a paper EOB into structured JSON, matching the same schema as a clearinghouse 835.

### Move money on every rail

ACH, RTP, FedNow, checks, and virtual cards from one endpoint, with trace numbers and idempotency keys built in.

## Embed banking in your workflow

Open entity accounts, issue cards, run payouts, and show balances inside your own product. Lemma handles the banking behind it.

## Who builds on Lemma

- **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](/platform/payer-payments) — Run payouts on every rail with full visibility.

## The boring parts, done

- **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.

## The rest of the platform

- [Payment Infrastructure for TPAs and Health Plans](/platform/payer-payments) — Pay provider networks on every rail, from your own account.
- [MSO-PC Infrastructure](/platform/mso-pc-infrastructure) — Split pooled deposits and automate intercompany invoices.
- [Remittance Reconciliation](/remittance-reconciliation) — Deposits matched to remittance automatically.
- [Lockbox](/lockbox) — A dedicated address for every payer check.
- [Integration](/ehr-integrations) — Connect your clearinghouse, EHR, and books.

## Frequently asked questions

**What can I read?**

Accounts, balances, transactions, transfers, remittances, EOBs, lockbox items, entities, and cards. Everything as JSON, scoped per entity.

**What can I write?**

Transfers on ACH, RTP, FedNow, check, and virtual card. Card issuance and limits. Entity and account creation for approved platforms.

**How is the EOB JSON produced?**

Paper EOBs arrive at the lockbox, are digitized, and are extracted into the same schema as an 835. Low-confidence fields are flagged.

**Is there a sandbox?**

Yes, with test accounts and simulated rails. Ask for sandbox keys.

**Who can get API access?**

Approved platforms. Book a call and we turn on keys the same week.

**Where are the docs?**

Read them at getlemma.com/docs/api-reference/introduction.

## Build on the bank that knows healthcare

Read every dollar. Move every dollar. One API.

[Read the docs](https://getlemma.com/docs/api-reference/introduction) · [Book a demo](https://calendly.com/d/ct72-djp-r7w)