Or
OneRev
Card on File · on autopilot

Don't automate the A/R chase. Eliminate it.

Other platforms automate the statement. OneRev erases it. Card on file at intake. Post-insurance variance auto-charged in real time. The best A/R is no A/R.

Automated
HIPAA-compliant
Tokenized
Patient-authorized cap
How it works

New patient in. Card on file out. Automatically.

Four steps. Only one of them involves the patient, and it takes about half a minute.

Step 1

New patient registers with your practice.

Standard intake in your practice management system. No new workflow for your front desk, no extra clicks at check-in.

New patient record
Just created
Patient
Jordan Alvarez
DOB
04 / 12 / 1989
Insurance
BCBS PPO
Eligibility verified
Step 2

OneRev picks the new patient record up.

Using one of our supported PMS integrations, OneRev sees new patient records as they're created, automatically. No spreadsheets, no manual import.

Auto-triggered by OneRev
Card on File Request
Patient
Jordan Alvarez
Contact
jordan@example.com
Maximum charge amount
$500.00
Email
QR
Step 3

Patient authorizes in about 30 seconds.

OneRev sends a secure, compliant link. The patient sees your practice name, the per-transaction cap your practice has set, and a clear terms checkbox. Card is tokenized at the payment processor. OneRev never sees the number.

Authorization for
Hawthorne Family Dental
Max per transaction
$500.00
Authorize Card on File
~30 seconds
HIPAA-compliant
Step 4

Insurance reconciles. OneRev collects the variance.

When the EOB lands and the patient owes more than you collected at check-in, OneRev automatically charges the card on file for the difference. No statements mailed, no collection calls, no balance aging into bad debt.

EOB reconciled
Variance auto-charged
Estimated at check-in$120.00
Insurance covered-$84.00
Variance
$36.00
Auto-charged to ••••4242
Patient experience

Patients see exactly what they're authorizing.

Your practice name. A clear per-transaction cap. A plain-English terms checkbox. No surprises, no fine print, no recurring-subscription language to second-guess. The card is tokenized at the payment processor. OneRev never stores or sees the card number, and your team only ever sees the last four digits.

Every authorization captures consent metadata (IP, user-agent, terms version, timestamp), so the audit trail is built in from day one.

Authorization for
Hawthorne Family Dental

Card on File Authorization

Save your card securely for charges related to services rendered.

Max per transaction
$500.00
Card number
•••• •••• •••• 4242
Expiry
08 / 28
CVV
•••
I authorize Hawthorne Family Dental to save my card on file and charge it for services rendered, up to the maximum authorized amount. I agree to the Terms & Conditions.
Authorize Card on File
HIPAA-compliant
256-bit SSL

Terms & Conditions copy is configurable per practice.

Office-team view

Built for the people doing the chasing today.

Office managers and billers know the variance problem better than anyone. They're the ones who pay for it with statements, callbacks, and write-offs. The card-on-file dashboard puts every authorization in one place and the automation does the boring part.

  • See every authorization at a glance: status, cap, last four digits, recent activity.
  • Auto-charges show up in the activity feed as the EOBs land. No reconciliation gymnastics.
  • When you need to charge manually, you still can. Automation never takes the wheel away from you.
Cards on File
412 active · 3 pending authorization
Search patients
PatientCardCapStatusLast activity
Jordan Alvarez•••• 4242$500activeAuto · $84.12 today
Sam Chen•••• 0009$750activeAuto · $211.40 yesterday
Riley Park•••• 1881$500active-
Morgan Kelly•••• 7714$300expired-
Casey Wu•••• 3022$500revoked-
Why it matters

The variance problem, by the numbers.

Why catching post-insurance balances at the moment they appear matters more than at any point in healthcare's recent history.

Patient responsibility keeps growing

High-deductible health plans now cover roughly a third of insured Americans, shifting more of every claim onto the patient. That makes post-insurance variances bigger and more frequent than they were a decade ago.

Source: KFF Employer Health Benefits Survey

Collection rates collapse past 90 days

Once a post-insurance patient balance ages beyond three months, the realistic collection rate drops sharply. The older the balance gets, the closer it gets to a write-off. The cost of waiting is the balance itself.

Source: Crowe Revenue Cycle Benchmarks

Cost to collect can exceed the balance

For small post-insurance variances, the combined cost of statements, phone calls, and follow-up labor often outruns the dollar value of the balance, which is why so many practices write off small amounts instead of chasing them.

Source: MGMA Practice Management research

Industry sources provided for context. OneRev does not guarantee outcomes and does not represent the cited research as our own.

FAQ

Frequently Asked Questions

Does this require my staff to send card-on-file requests?

No. Using one of our supported PMS integrations, OneRev sends the request automatically when a new patient record is created. Staff can also send requests manually for existing patients or special cases. Automation never takes that option away.

Where is the card actually stored?

The card is tokenized at the payment processor. OneRev never stores or sees the card number. Your team only ever sees the last four digits and a tokenized reference.

Can a patient revoke their authorization?

Yes, at any time, by contacting the practice. Revocations are recorded on the authorization and the card is no longer chargeable from that point forward.

Is this HIPAA & PCI compliant?

Yes. Every authorization captures consent metadata (IP, terms version, timestamp) for audit, and transport is encrypted with 256-bit SSL. The card itself is tokenized at the processor, so card numbers never enter OneRev systems.

Ready to stop chasing balances?

Card on file for every patient, on autopilot.

See a live demo of the full flow: PMS integration, patient authorization, and the post-insurance auto-charge that ends statements for good.