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Recover Your Declined Medical Payments

Without Sending Your Patients To Collections

Our solution recovers up to 80% of your non-sufficient-funds transactions and at no cost to you. 

Keep Your Customers Current

The longer the failed payment situation lingers,

the bigger the problem becomes,

the greater the probability of a negative impact on your bottom line.

The single biggest cause of customer churn in subscription businesses are failed payments, and the strategies you implement to recover those failed payments matter. Research shows that customer visibility to the failed payment created through service interruptions and dunning approaches are also drivers of churn. By employing our solution, you can recover the declined transaction without involving your customer and therefore reducing churn. 


  • ACH Returns
  • Pre-Authorized Drafts
  • Returned Checks (consumer and business)
  • Credit and Debit Card Returns


  • Proprietary technology is used to quickly collect NSF returns
  • Increase your recovery by as much as 50%
  • Recovered funds are deposited at 100%
  • Full reporting functionality
  • No collection calls


  • Increase profitability
  • Increase cash flow
  • Speed up the recovery process
  • Reduce collection costs
  • Increase customer satisfaction
  • Eliminate collection call concellations
  • Daily reporting and secure website access

Clear Recovery For Up To 80% Of Your Declined Recurring Payments

First, Fast, and Free
Try This Solution for Declined Payment Recovery

As a business receives declined or NSF payments, a great amount of money is spent on recovery or the loss.

Traditional mode of recovery includes calling the customer to fix the declined payment. Some customers will cancel on the call (about 1 out of 7). A Collection Agency means the customer is lost forever, while the Agency keeps up 50% of collected funds on a 20% rate of recovery over 60 to 90 days. Not only do you lose a customer, but now you have a new expense of replacing lost customer. Sales and boarding can be very expensive.

Before You Attempt To Clear Your NSF Declines... Try This Solution To Clear Recover And Deposit At No Cost

NSF ClearingHouse (NSFCH) provides the first free Clear Recovery Solution. Returned NSF or declined payments are normal and costly, but NSFCH eliminates NSF payments and the high cost of recovery.

What is most important to you and your business: 

  • Depositing 100% of clear recoveries on declined NSF payments?
  • Clear recovering of up to 80% of all NSF declines?
  • Reducing collection cost to zero using clear recovery by NSFCH?

  • Increasing cash flow by tens of thousands of dollars?

  • Reducing capital requirements to run your business, saving interest on borrowing?

  • Eliminating collection calls increasing customer retention and satisfaction?

  • Cutting write-offs down by 50 % or more, putting more profits to the bottom line?

  • Reducing debt service and eliminating bank fees?

  • Assistance with risk management?
  • Total savings redeemed because of more cleared payments.  Thus, increasing cash flow, reducing collection costs, reducing bank charges, increasing customer retention, and reducing write-offs. This will add thousands of dollars to your bottom line.
Why Choose Our Services?
  • Our team's proprietary system maximizes the efficiency of clear recovery of declined payments.
  • Zero-cost clearing platform improves your cash flow, operating efficiencies and reduces risk.
  • At a rate of up to 80% recovery since 1999 and over 14,000+ clients, nationally, it is a proven Solution.

No Set Up Fees, No Monthly Fees, And No Equipment To Buy.

Clear Recover up to 80% of your recurring returned or declined ACH, eCheck, Debit or Credit Card transactions.

  • Clear declined payments without making phone calls, eliminating cancelations and the cost of collections.
  • Improve your cash flow, reduce your debt service, and eliminate many bank fees.
  • All the cost of collections saved goes directly to your bottom line.
  • Clear Recover most declined payments before using your current recovery methods.
  • Write-offs reduced by 50% or more also going directly to your bottom line.


Our network has saved millions of dollars in collection for over 14,000 Clients over 22-years, is an Associate Member of the NACHA (National Automated Clearing House Association) and Associate Member of the ACA (American Creditors Association).

What Type Of Businesses Use Our Services?

Recurring billers of all types...

  • Business to Business
  • Membership organizations
  • Distributors receiving checks or ACH from small businesses
  • Retailers - whether to consumers or businesses
  • Service companies (streaming media, web hosting, telecom, utilities, fitness clubs, security, media)
  • All Companies that experience declined recurring payments from their customers.


Hospital, Medical Center, Pharmacies, and Clinics


  • Approximately 30 declined items per month, per location (5 locations)
  • Average payment of $1100 for payment on account, also pharmacy
  • Sent to collection agency, who keeps 40% of collected funds
  • Recovery rate very low at approximately 25%

Critical Issue/Pain

  • Collection Costs per collected item were extremely high
  • Collection Agency recovery deposit in 60 to 180 days, when collected
  • Recovering only about 25% of items in total
  • Lost, never recovered revenue was about $900,000 annually


  • Group provided returned items first, before collection agency
  • Any remaining uncollected items were sent to collection agency (less than 30%)
  • Our team's solution uses technology that even banks cannot use for recovery
  • Managed Clear Recovery Solution in place since 2004 for recovery of NSF returns


  • Increase collection rates and cash flow in 7 to 21 days
  • Eliminate high cost of collection agency (40% of collected funds)
  • In-house collections spotty and inconsistent


  • Our team's electronic solution immediately increased clear recovery of NSF rates, reduced collection costs, and increased revenue for the hospital group
  • Recovery rates after solution implementation: Over 70% of NSF items
  • Collection agency used for closed accounts and uncollectible times
  • The solution reduced collection agency costs by over $198,000 in the first year
  • Collection Agency receives about 70% fewer NSF items, thus increasing cash flow for the hospital group
  • Cashflow increase approximately $74,000 in the first month

No Risk

  • Cost to client to implement use of solution - $0
  • No equipment or setup costs
  • No monthly fees
  • No annual fees
  • No hidden fees
  • This is a free service to the hospital, medical center, pharmacies, and clinics

How May We Help You?