Payments.
Nobody funds anybody else.
In the usual arrangement someone is always waiting: the laboratory has done the work and is owed by a practice, the practice is owed by a patient, and one of them is carrying the other’s credit risk without ever agreeing to. Money here is collected before the invoice issues and settled to whoever earned it, so nobody in the chain is financing anyone else.
Collected first.
Settled to whoever earned it.
A licensed payment institution holds a secured account and collects before any payout is made. Funds then settle to the supplier’s own account after the settlement window (the laboratory&rsquo);s for the analysis, the practice’s for the medical act. One movement of money, and each party is paid into an account it owns.
This is collection, not factoring. We never buy the debt. The claim stays where it belongs and we collect as agent for the party it belongs to (a materially different and far less constrained thing than assigning a physician&rsquo);s fee claim to a third party, and a distinction worth keeping visible rather than glossing over.
One payment in.
Three shares out.
The patient pays once. Settlement divides it at the payment layer rather than afterwards, so nobody invoices twice and nobody waits on anybody else to be paid first.
Our own share is taken inside that same movement, which is why it is drawn last and drawn plainly. A platform that sat between the parties would collect everything and pay out afterwards; this one routes each share to the account that owns it, at the same moment.
The money waits
for the work.
Collection happens at the moment of agreement (but settlement waits for the result). Between the two, the funds are held with a licensed European payment institution, safeguarded apart from the platform’s own money. Delivered, they route along the split. Not delivered, they go back whole.
Settlement then runs on the schedule the operator sets in Pulse (rolling, weekly, or monthly) and the ledger is visible in Pulse before anything moves. On the patient’s side it is one payment, made with cards, SEPA, or the local methods European patients already use.
The ledger, on screen.
What the operator watches: the balance standing above, each settlement a row with its bank reference, and a payout flipping to paid out the moment the bank confirms it. Every figure lives in Pulse (which is why they are drawn masked here).
Their methods, wherever they are.
Cards and wallets travel everywhere; the method that actually wins each market is local. Both are on the sheet the patient sees, picked per country automatically (and the one their neighbours use is never missing).
The local rail carries the accent. Availability follows the licensed institution’s catalogue, per market.
The work is done.
So the money moves.
Credit risk in diagnostics normally travels downhill and lands on whoever has least say in it. Collecting before the invoice issues is what stops that, and it is the whole reason the order matters.
A practitioner never meets this module at all, which is deliberate: the person taking the sample should not be the person thinking about money.
It waits on the invoice.
Payments is last in the sequence because it has to be. An amount cannot be collected for a test nobody knows completed, and it cannot be split between parties until there is an invoice saying who is owed what. That is a technical fact rather than a commercial gate: nothing is being withheld, the sequence simply has an order to it.
See Invoices, which it waits on → · Payments among the modules →
SEPA, into your own account.
Settlement runs across SEPA, into each supplier’s own account, in euro. The map is deliberately a shape rather than an atlas: which markets are live, and on what terms, is a conversation (not a diagram on a public page).
Good to know.
Who actually holds the money?
A licensed payment institution, in a secured account. It collects before any payout is made and settles to each supplier’s own account after the settlement window. Humans Nexus does not hold client funds.
Do you buy the receivable?
No. We never buy the debt. We collect as agent for the party the claim belongs to, and the claim stays with them (which is a materially different and far less constrained arrangement than assigning a fee claim to a third party).
What happens if the patient does not pay?
Nothing moves. Collection happens before the invoice issues, so there is no payout to unwind and no receivable sitting on anyone’s books. The laboratory is not exposed to a practice’s collection problem, and the practice is not exposed to a patient’s.
How is your own share collected?
Inside the same movement of money, at the moment it splits (not billed to you afterwards). That is why it is drawn last in the diagram above rather than left out of it.
Where does the patient pay?
In Flow, at the point they agree to the test. Business-to-business settlement runs in Pulse. It is the same module on both surfaces; what changes is whether the payer is a business or a person.
Which countries does settlement cover?
SEPA settlement across the European Union, into each supplier’s own account.
Does this need an integration?
Yes (it is one of the five modules that arrive with the single connection between a laboratory&rsquo);s systems and ours. Four modules run with nothing installed at all.
Get paid for the work, not for the chasing.
Talk to us about collection before the invoice, settlement to the account that earned it, and a chain where nobody is financing anybody else.