New White Paper from TrustCommerce and FinMed Partners Helps Healthcare Leaders Navigate Complex Patient Payment Landscape

TrustCommerce, a Sphere company and provider of integrated healthcare payments and security software, in collaboration with FinMed Partners, has released a new white paper titled “Demystifying Healthcare Payments: A Practical Overview.” The resource is designed to help healthcare leaders, investors, and other stakeholders make sense of the increasingly complex patient payment ecosystem and plan with greater confidence.

Why the Patient Payment Landscape Is So Complex

Patient payments have become one of the most challenging parts of revenue in healthcare. Multiple stakeholders are involved in each transaction, payment responsibility often shifts between payer and patient, and the true cost is frequently unclear until after benefits are determined. Meanwhile, technology, regulations, and consumer expectations continue to evolve rapidly. These dynamics create a maze of intermediaries, varied payment models, and mixed market signals that providers, payers, and investors must navigate.

What the White Paper Delivers

“Demystifying Healthcare Payments: A Practical Overview” offers a clear, unbiased view of the market and how it works. It explains how money moves, who the key players are, and where friction typically occurs, while highlighting the trends most likely to shape the coming years. The paper is intended to equip readers with practical insight for strategy and execution across the healthcare value chain.

• Plain-language mapping of the patient payment ecosystem and its stakeholders
• How funds flow from patient to provider and through intermediaries
• Comparisons of prevalent payment and reimbursement models
• Identification of pressure points impacting patient financial experience and provider collections
• Market trends in technology, data, security, and consumer behavior
• Considerations for selecting partners and building scalable, compliant payment workflows

Perspectives from the Collaborators

“Payments” can be an overly broad term in healthcare, and clarity matters. As TrustCommerce Chief Revenue Officer Ryne Natzke notes, organizations that appear to overlap often work together effectively within the same ecosystem. He emphasizes that leaders selecting partners or evaluating investment opportunities need a precise view of roles and interactions—exactly the perspective this white paper aims to provide.

FinMed Partners’ David Stievater explains that many clients struggle to find straightforward material that connects market structure with day-to-day operational realities. By pairing FinMed’s strategic market insight with TrustCommerce’s operational and technology expertise, the paper distills complex topics into practical guidance for providers, payers, and investors.

Henri Cattier, also a Partner at FinMed Partners, underscores that healthcare payments are undergoing profound change—driven by new financial intermediaries, advanced technologies, and shifting consumer expectations—making timely, actionable information more essential than ever.

Availability and Upcoming Engagements

The white paper is available from TrustCommerce and FinMed Partners. TrustCommerce will also share insights at Becker’s 10th Annual Health IT + Digital Health + RCM Annual Meeting from September 30 to October 2, 2025 (Booth 122). In addition, a webinar, “Demystifying Healthcare Payments,” will be held on October 8, 2025 at 11:00 AM Eastern.

About TrustCommerce

TrustCommerce, a Sphere company, is a leading financial technology provider trusted by many of the nation’s largest health systems. Its integrated payment platform is built to reduce friction, enhance the patient financial experience, and streamline workflows with security and compliance at the core. By connecting to core software including EHR and practice management systems, TrustCommerce enables secure payment acceptance across channels and provides a unified payment stack to support standardized reporting and reconciliation. For more than 25 years, the company’s software and payment solutions have helped organizations increase patient collections while maintaining rigorous security and compliance.

About FinMed Partners

FinMed Partners is a management consulting and advisory firm focused exclusively on the intersection of healthcare and payments. The firm helps banks, fintechs, infrastructure providers, health IT companies, healthcare providers, payers, employers, and other market participants understand and navigate a healthcare economy approaching $5 trillion annually, including roughly $750 billion in direct patient out-of-pocket costs and non-group health insurance premiums. With more than 70 years of combined experience across payments, fintech, and healthcare, FinMed Partners supports investors, boards, and executive teams with strategic input and hands-on execution to maximize business value in a large and complex market.