Text-to-pay: how practices collect 75% of balances within 30 days

Paper statements are slow, expensive and easy to ignore. Patients misplace them, forget to call, or wait on hold. The result is long AR cycles and balances that eventually go to collections.

Why text changes the equation

A text message with a secure payment link meets patients where they already are. They see the balance, tap the link and pay in seconds by card, debit, ACH or digital wallet. No app, no portal login, no phone call. Practices using text-to-pay commonly see about 75% of balances collected within 30 days.

Send in bulk, not one by one

Murphi pulls open balances from the EHR so staff can select a group — for example, balances over 30 days — and send hundreds of links at once. Each patient's status updates live: sent, viewed, paid.

Reminders that stop when they pay

A friendly reminder sequence runs automatically: a first notice, a gentle reminder, a final notice. The moment a patient pays, reminders stop. Patients can reply PLAN to request a payment plan instead of ignoring the balance.

Payment plans for larger balances

For higher balances, patients can split payments into monthly installments and save a card for autopay — all from their phone. Plans follow your policy, so staff don't negotiate each one manually.

Posted back automatically

Every payment is matched to its encounter and posted to the practice ledger, so staff don't re-enter transactions. Funds are typically deposited within 48 hours.

Collecting patient balances doesn't have to be awkward or slow. For most patients, paying by text is simply easier — and easier gets paid.