Replace the check run
Every provider, every rail, every 835, from your own account.
Lemma is payment infrastructure for health plans, TPAs, and payment aggregators. Send ACH, RTP, checks, or virtual cards from your own account, with the 835 delivered. We onboard the providers.
Batch #4471
$6,142,300.00
12,480 payments · Oct 14
ACH
7,900
RTP
1,200
Check
3,100
Virtual card
280
Settled
11,930
In transit
430
Checks cashed
2,710
Uncashed
120
RTP · TRN 882201937 · CCD+ addenda attached
835 delivered to portal · Settled Oct 14 9:02 AM
Checks get lost, float sits with a vendor instead of earning for you, and the remittance travels separately from the money.
70%
of payments by check
2
payments for 1 claim
$0
earned on pre-funded float
Illustrative
Four things a payer stops doing by hand.
ACH, RTP, mailed checks, and virtual cards, from one endpoint. Pick the rail, or let Lemma pick the fastest one enrolled.
Payment routing
Every payment carries a trace number and full addenda, and the 835 lands in the provider's portal, matched to the payment.
Payment record
Lemma signs up providers, verifies bank details and W-9s, and moves check payees to EFT while checks are still in flight.
Provider onboarding
Created, pending, settled, or for checks: printed, mailed, cashed. See the status before cutting a second check.
Check status
Funds sit in your own Lemma account, FDIC insured over $100M and earning interest, until each payment goes out.
Payout account
$18,420,000.00
Send a single-use card for a copay or reimbursement, funded from the same account, tracked in the same batch.
Member reimbursement
Sent by SMS
Uncashed check outreach, reissues, returned ACH, and one-time payees. Lemma runs it and reports on it.
Payment ops queue
Route 10 to 20 percent of check volume through Lemma for 90 days, measure the results, then scale.
Week 1
Connect and fund
Weeks 2–12
Run the slice
Week 13
Review and scale
Lemma API
Read and move healthcare money from your own software.
Provider Payouts
Pay every 1099 provider from one file, with 1099s filed.
Remittance Reconciliation
Deposits matched to remittance automatically.
Lockbox
A dedicated address for every payer check.
MSO-PC Infrastructure
Split pooled deposits and automate intercompany invoices.
ACH, RTP, FedNow, printed and mailed checks, and virtual cards, all from one API or a file upload.
Digitally, to the provider's HIPAA-compliant Lemma portal, matched by trace number. Or printed and mailed with the check.
No. Funds stay in your own Lemma account until each payment is sent, insured and earning interest.
Lemma does. We invite providers, verify bank details, collect W-9s, and keep them current.
Lemma runs outreach, offers EFT enrollment, and reissues when needed. You see the status of every check.
Yes. Every rail and status is available through the Lemma API, with webhooks for state changes.