Digital Payments in Healthcare — Integrated Mobile Wallets and Cards for Medical Services

What Are Digital Payments in Healthcare?

Digital payments in healthcare are electronic transactions that allow patients to pay for medical services — consultations, lab tests, diagnostic imaging, subscriptions — directly from a mobile app or web platform, without relying on cash or in-person processes. They encompass methods such as digital wallets (Yape, Plin), credit and debit cards, and certified payment gateways.

Unlike the traditional model where patients discover accepted payment methods only upon arriving at the facility, integrated digital payments display a full transaction breakdown before confirmation: service price, insurance coverage, final copay, and the selected payment method.

Why It Matters in Healthcare

Payment in the healthcare sector remains a significant source of friction for patients and facilities alike. Arriving at a center only to find it accepts cash only, failing to understand a charge breakdown, or losing a receipt are all common experiences. Digital payments address these issues by providing:

• Multiple methods in one place: digital wallets (Yape, Plin), credit and debit cards integrated in-app, with no need to switch platforms or re-enter data.
• Full transparency: a visible breakdown of the service price, insurance coverage, copay, and payment method before confirming any transaction.
• Traceable history: every payment is recorded with details of center, service, amount, and status (paid, pending, refunded), eliminating reliance on paper receipts.
• Certified security: processing through PCI-DSS-certified gateways (such as Mercado Pago), protecting the patient's financial data.
• Subscription management: differentiated plans (Free, Premium, Family) with the ability to switch or cancel directly from the app.
• Paperless refunds: digital requests with real-time status tracking (requested, under review, approved), with no physical forms or phone calls required.

How Davix Relates to Digital Payments in Healthcare

The DAVIX+ platform integrates digital payments natively into the patient experience. Key capabilities include:

• Direct integration with Yape, Plin, and credit/debit cards as payment methods within the patient app.
• Automatic breakdown of every transaction: contracted service, insurance coverage, resulting copay, and chosen payment method.
• A complete transaction history accessible from the patient portal, with digital receipts always available.
• Secure processing via Mercado Pago with PCI-DSS certification, ensuring financial data protection.
• Subscription plan management and refund requests directly from the app, with real-time status tracking.

Digital payments in healthcare not only improve the patient experience but also reduce the administrative burden on centers by automating financial reconciliation and eliminating manual collection processes.