When your business helps health care providers with payment processing, it’s more than just a convenience. It’s a vital part of your service. When processing becomes unreliable, it can cause chaos in claims management and patient collections, and, most importantly, shake your clients’ trust in you. That was the situation Umbs Billing Solution faced before it discovered Payment Nerds.
Umbs Billing Solution is operated by Syed Mohammed Nadeem Rizvi and supports medical service providers with billing and payment operations. They need more reliable processing to improve the level of service they provide to medical service providers who use their platform.
Quick Snapshot
UMBS Billing Solution is a medical billing and revenue cycle partner. They operate under the UMBS brand online and will assist you with the operational side of billing. This is a solution we are concerned about in terms of reliability, as much as we are with rate comparisons.
They were erratic. Some days everything went smoothly, other days reliability, approvals, and performance were up and down. For a provider with medical business clientele, this sort of volatility creates immediate friction for clients.
About Umbs Billing Solution
UMBS markets itself as a revenue cycle management/medical billing service for providers. For medical practices across the United States. They focus on reducing billing burdens and ensuring consistent cash flow. Their model is to take on billing and serve practices seeking stability in systems and outcomes.
That context is relevant because organizations like this are in the middle of the processing transaction stream. If this layer of processing isn’t reliable, it will not just impact Umbs Billing Solution. It is impacting every single medical practice that relies on them and every patient/payer relationship tied to them.
The Challenge
Umbs Billing Solution had inconsistent results from payment processing. Some days, the transactions were right on the money. Other days, it was a mixed bag, creating an experience that felt unreliable for them and the merchants using their marketplace.
They needed more than a new processor. They needed enhanced merchant offerings, a processing ecosystem better aligned with their business model, and greater access to high-quality merchants to ensure the viability of their customers.
What Was At Stake
In health care, variability is costly even when it is not catastrophic. Additional denials here and there mean additional phone calls, increased billing traffic, and additional time spent resolving issues that should never have arisen in the first place. Variability in amounts complicates reconciliation and makes forecasting impossible. Inconsistent and variable throughput metrics burden operations teams with a host of other time-sensitive issues.
Umbs Billing Solution had to identify a remedy that achieved a baseline level of processing reliability, not one that simply avoided the worst consequences, only to face additional surprises after the next swing in volume.
How Payment Nerds Helped
Payment Nerds helped by focusing on merchant relations and processing alternatives that offered enhanced stability. The goal was to link Umbs Billing Solution to merchant processing alternatives that suited its needs, not to settle for one that only partially succeeded.
Payment Nerds did the same for expanding the pool of quality merchants that would suit Umbs Billing Solution. This is important for a firm working with medical companies. “Right” does not only mean approved in this context. It means stable, trustworthy, and an operational match over time.
What We Implemented To Improve Processing Reliability
Stronger Merchant Relationships From The Start
Rather than working to force Umbs Billing Solution to fit a “works for everyone” processing relationship, Payment Nerds focused on relationships that provided long-term stability. That provides them with fewer unnecessary sources of volatility. When the match is stronger, day to day processing is less likely to be the source of fail points. It’s less of a burden on the merchants and it provides a layer of reassurance for Umbs Billing Solution and the merchants using their platform.
Better Fit Between Workflow And Processing Arrangement
A lot of volatility comes from a mismatch between the reality of how a business works vs how a processor assumes processing activity will occur. Payment Nerds worked to match the merchants to Umbs Billing Solution’s workflow in a way that makes processing activity seem more predictable and “contained.” This lessens the chances that the merchants will encounter unexpected holds or that the processor will need to reactively assess the situation. It also means less manual work is required to keep everything on track.
Decline Reduction Via More Predictable Processing Channels
Declines are not “bad cards.” They relate to how processing is funneled, to risk perception, and to matching the processing to the right fit. Payment Nerds improved access to the right fit, helping reduce declines that can be avoided. The consequences of declines are reduced merchant experience and increased volume of support issues. For a platform supporting medical merchants, the former is a significant problem.
Fee Predictability To Simplify Reconciliation
Umbs Billing Solution also needs fees that are not as erratic in their behavior. Unstable fees complicate conversations that need to be had with merchants, as well as reconciliation of the process at the end of each month. Payment Nerds emphasized stability in the relationship, which includes fees. A more stable fee process provides easier fee reconciliation for all parties involved.
Minimized Waiting Times With Responsive Support
Unstable processing relationships are made more cumbersome when support responses are also not timely. Payment Nerds was able to provide support on time so that problems don’t grow, but also that any unexpected developments do not linger. When questions arise, timely answers prevent workarounds from adding to the confusion. In a support environment dealing with medical services, every minute counts.
A Longer-Term Monitoring Approach Instead Of A One-Off Setup
A stable processing relationship is monitored over time, not just at the point of setup. Payment Nerds assisted in providing a framework that allows the performance of the setup to be monitored, and allows adjustments to be made before the issues become too large to solve. This framework is crucial to when the merchants using the platform change their behaviors, when variance in cases presented emerges, and when new lines of service or capabilities are added. A monitoring approach to processing can help to stabilize merchant platforms as they develop.
Results
Syed had results to demonstrate. The merchants on the Umbs Billing Solution continue to receive faster, more reliable, and cheaper processing.
This is what reliability looks like. Effortless, speedy processing builds confidence among merchants. Decreasing declines reduces the friction and revenue loss a transaction might otherwise experience. Stable fees allow for straightforward reporting.
Customer Quote: “Merchants using our system have consistently seen improvements in processing speed, lower declines, and more stable fees.”
Why This Matters For Medical Services Providers
Medical services providers and their billers exist in a world of trust and predictability. Uncertain processing introduces stress into interactions with patients, with staff, and with the practice’s financial well-being. Even small improvements in declines and in the predictability of fees make a significant difference to a practice’s operations.
For Umbs Billing Solution, this processing reliability means that it can focus less on its customers and more on growing its business. That’s the real prize. Stability. Confidence.
FAQs
Q: Why would a medical services merchant have variable results with payment processing?
A: Variable results are common when a merchant is poorly matched to the right solution. Everything from routing to underwriting compatibility to risk management can all result in declines and variable results. It can also become amplified by minor issues that feel major when support times are long. In this instance, the answer was a better merchant fit and a better setup.
Q: What does “better merchant options” look like in a case like this?
A: It looks like access to merchant accounts and processing solutions that value performance over “easier” approval. Better options provide better performance, better support, and fewer disruptive reviews. It also provides options that better fit the merchant model rather than retrofitting the merchant to the processor. For platform businesses, there is a meaningful difference.
Q: How can better declines be meaningful to a business?
A: Fewer declines mean more successful transactions, fewer tickets, and less waste of merchant resources. It can also increase merchant trust in the processor; payments should be predictable, not come with “surprises.” Over time, fewer declines can also improve retention; merchants will not be tempted to look elsewhere. For a platform that connects with various merchants, the impact is multiplied.
Q: Is fee predictability as valuable as rates?
A: Certainly. Predictable fees make reconciliation easy. A seemingly low rate can be complicated when fees are difficult to understand and reconcile. Predictable fee patterns help merchants avoid surprises when closing out accounts. In client-facing businesses, predictability is often more desirable than saving every last cent in fees.
Conclusion
Umbs Billing Solution’s experience with payment processing had to be reliable and representative of the reality of dealing with their medical service customers. Payment Nerds provided them with access to more stable merchant accounts and processing, opening the door to improvements they noticed in their daily lives: faster transactions, fewer declines, and stable pricing.
With predictable payment processing, an organization like Umbs Billing Solution can get back to what matters most: servicing, growing, and supporting providers they engage with daily.
