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

# Pay every provider on every rail

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.

[Talk to us](https://calendly.com/d/ct72-djp-r7w) · [Read the API docs](https://getlemma.com/docs/api-reference/introduction)

## Most provider payments are still a check and a phone call

Checks get lost, float sits with a vendor instead of earning for you, and the remittance travels separately from the money.

## What Lemma runs for you

Four things a payer stops doing by hand.

### Every rail, one API

ACH, RTP, mailed checks, and virtual cards, from one endpoint. Pick the rail, or let Lemma pick the fastest one enrolled.

### Healthcare-compliant payments

Every payment carries a trace number and full addenda, and the 835 lands in the provider's portal, matched to the payment.

### We onboard the providers

Lemma signs up providers, verifies bank details and W-9s, and moves check payees to EFT while checks are still in flight.

### Rail-level visibility

Created, pending, settled, or for checks: printed, mailed, cashed. See the status before cutting a second check.

## Your float stays yours

Funds sit in your own Lemma account, FDIC insured over $100M and earning interest, until each payment goes out.

## Virtual cards for members

Send a single-use card for a copay or reimbursement, funded from the same account, tracked in the same batch.

## Payment ops off your plate

Uncashed check outreach, reissues, returned ACH, and one-time payees. Lemma runs it and reports on it.

## Start with a slice of check volume

Route 10 to 20 percent of check volume through Lemma for 90 days, measure the results, then scale.

## The rest of the platform

- [Lemma API](/platform/api) — Read and move healthcare money from your own software.
- [Provider Payouts](/provider-payouts) — Pay every 1099 provider from one file, with 1099s filed.
- [Remittance Reconciliation](/remittance-reconciliation) — Deposits matched to remittance automatically.
- [Lockbox](/lockbox) — A dedicated address for every payer check.
- [MSO-PC Infrastructure](/platform/mso-pc-infrastructure) — Split pooled deposits and automate intercompany invoices.

## Frequently asked questions

**Which rails do you support?**

ACH, RTP, FedNow, printed and mailed checks, and virtual cards, all from one API or a file upload.

**How does the 835 get to the provider?**

Digitally, to the provider's HIPAA-compliant Lemma portal, matched by trace number. Or printed and mailed with the check.

**Do we have to pre-fund?**

No. Funds stay in your own Lemma account until each payment is sent, insured and earning interest.

**Who collects provider bank details?**

Lemma does. We invite providers, verify bank details, collect W-9s, and keep them current.

**What happens to checks that never get cashed?**

Lemma runs outreach, offers EFT enrollment, and reissues when needed. You see the status of every check.

**Can we integrate this into our claims system?**

Yes. Every rail and status is available through the Lemma API, with webhooks for state changes.

## Replace the check run

Every provider, every rail, every 835, from your own account.

[Talk to us](https://calendly.com/d/ct72-djp-r7w) · [Read the API docs](https://getlemma.com/docs/api-reference/introduction)