mPay Gateway&

QPS Virtual POS

National Coordinator of Health IT – Dr. David Blumenthal 'We don't care how you accomplish

critical tasks, so long as you do so with electronic technology'

• Merchant terminal in the office is not “health care intelligent” - Used for co-payments - Does not support payment authorization for future settlement - Does not exchange data with the practice management system

• Most patients leave your office without knowing the price or what they owe - Three weeks later, the insurance company sends the physician what to charge the patient known as EOB – (estimation of benefits) - The physician sends a paper bill to the patient, and can expect to send two to three more before the payment is made

• Cost to the physician? - Cost average 25% of the amount finally collected - On average 50% of patient collectables is written off as bad debt

Typical Physician Practice Today

QPS is a premium merchant service company.

Through our credit card processing platform, mPay enables practices to collect patient receivables both in

the office and over the internet.

QPS works with all major credit/debit cards including Visa, MasterCard, American Express and Discover, as

well, HSA, FSA, HRA and Gift Cards. Through its parent company, Superior Financial Systems (SFS), QPS underwrites and supports merchant accounts in a

PCI compliant environment.

QPS Credit Card Engine

Provide a way to collect from the consumer while still in the office. - Collect on all payments where the price is known - Obtain payment authorization for future settlement on amounts that are not known (pending insurance claim processing) Collect from all patients

How do we accomplish this? √ Web based virtual point of service terminal √ Visa, MasterCard, Discover and Amex payment processing √ Built in “patient liability” estimator √ Authorization with Delayed Settlement (authorize and capture) √ Transaction export for the physician practice accounting system

What is the Solution?

mPay uniquely (patent pending) combines - Point of service estimator for patient liability - Delayed settlement transaction - In a PCI-certified environment

mPay merchant terminal for collections at POS - Fixed dollar Co-pays - Third party determined post-visit obligations

Consumer engagement in the process - Encourage simple transaction to be treated like retail transactions - Receive services, see itemized receipt, pay for services

QPS and mPay Gateway Approach

In the same way a hotel authorizes a card at check-in and collects payment at checkout -- mPay Gateway simplifies the process for health care providers!

Collect from the patient while they are still in the office!

Calculate a payment obligationUse a single process and system that supports all patient transactions

Introduce a consumer friendly check out experience Integrates with ANY HL7 compliant practice management system

The mPay Gateway - QPS Virtual POS

Three easy steps to a healthier bottom line!

Significant Benefits to the PracticeA. Significant return on investment

- 8 to10 times ROI- Drastically reduce collection costs of 40% to

70%- Receive payments faster- Minimize patient bad debt- Decrease administrative expense (and

statements!)B. Patient friendly

- Provides choice and flexibility- Similar to other retail environments (hotel)- Provides an estimate of actual liability- Flexible to match the office workflow

C. Simple interface to other systems

• Improved patient communication– Patient receives services and is told what they owe – Patient provides a payment card and authorization– Patient receives an itemized receipt and is done.

• When the health plan sends you the remittance advice, you use mPay Gateway to immediately collect what the patient owes.

• The funds are sent directly to your bank in 24 to 48 hours!

• mPay Gateway collection process

Benefits with: QPS & mPay Gateway Solution

DEMONSTRATIONDEMONSTRATION

Sounds Great, let’s see it in action!