How Claim Payments Are Issued

Unlike invoice payments, claim payments are never processed through Doulado. All claim reimbursements come directly from the payer—not from Doulado, and not through the clearinghouse.

Payers may issue claim payments using a variety of methods, including:

• Paper checks
• Electronic Funds Transfer (EFT)
• Virtual credit cards (vCard) (less common, but some payers use them)

Electronic payment methods are increasingly standard, and some payers even require providers to enroll in EFT before they will send claim reimbursements.

What Is EFT?

Electronic Funds Transfer (EFT) allows a health plan to deposit funds directly into your bank account.

Benefits include:

• Faster payment delivery
• Fewer lost or delayed checks
• Secure, automated deposits

Because the payer is the one sending the money—not Doulado—all EFT enrollment must be set up directly with the payer.

Important: EFT Setup Is Always Done With the Payer

Doulado and the clearinghouse do not manage, process, or enroll providers in EFT.

Each payer has its own procedures, forms, and requirements. This means:

• You must contact the payer directly for EFT enrollment.
• If a payer uses a combined ERA + EFT form, complete only the ERA section through Doulado.
• Then submit the EFT section directly to the payer.

Doulado can help with ERA (Electronic Remittance Advice) enrollment, but all EFT arrangements are strictly between you and the payer.

How to Record Claim Payments in Doulado

Since the payer sends funds directly to you, you’ll still need to record those claim payments in your Doulado account to match your accounting and track claim statuses.

For instructions on entering those payments—either through ERAs or manual payment entry—see our related guide: Recording Claim Payments in Doulado