Kipu Payments: Taking a Patient Payment

This feature is currently in limited release to a select group of clients and will be rolling out to everyone in the coming months.

The Kipu Payments feature, when enabled, allows you to charge for services and collect payments.

Important: You must have completed the Kipu Payment setup for the location before you'll be able to collect payment. Additionally, the Patient Ledger must be setup for this tab to appear.

Let's review how to collect a payment from the patient's facesheet. 

Required Permissions: Super Admin, Records Admin, or Manage Ledger roles (?)

1. Navigate to the patient's chart and open the Billing tab. 

   

   • Note: The name and location of this tab are customizable and may be named something else depending on your facility's preferences. 
2. Click Patient Payments.
3. Enter the desired payment amount and click Start Payment.

4. Next, begin completing card and receipt details. 

   Next, type in the name on the card. Ensure that it matches the card exactly, including any middle initial if present.  In the Email field, you can enter an email address.  When combined with the Send Receipt checkbox, the payer will receive an email receipt.  You can enter details about the payment if desired. This information will be sent to the table under Settings > Billing Audit Tool > Account Management > Payment List (Kipu).

5. Add the card details or create a new saved payment method. Stripe accepts Visa, Mastercard, American Express, Diners, and Discover cards.

   Saved Payment Method	Pay with Other Payment Method
   Click the +Add new payment method button to create a saved payment method for this payer. If desired, set a nickname for this card.  Complete the card details including card number, expiration date (MM/YY), security code, country, and zip code. Click Save Payment Method. Select the newly added payment method and click Submit Payment.	The Pay with other payment method (Not saved) radio button will be selected by default when there are no saved payment methods. Enter the card number, expiration date (MM/YY), security code, country, and zip code. Click Submit Payment.

6. Review the Payment Summary and click Confirm Payment to process.
7. You'll receive a Payment Successful confirmation message with the related details including a confirmation number. 
   

Paying with Bank Transfer (ACH)

If the payer prefers to pay via bank transfer (ACH Direct Debit only) instead of by card, they can do so.

1. Follow the steps above, but instead of entering credit card details, click on US bank account.
2. Enter the email address and full name of the person paying.
3. Next, search for the bank. 
4. Alternatively, you can click Enter bank details manually.
5. In the pop-up window, enter the routing number and account number, then confirm the account number. 
   

What happens if the payment is declined?

Card payments can fail for a variety of reasons. Some of the most common are:

• Insufficient funds or credit: If there aren’t enough funds or available credit on the card, the issuing bank may decline the payment.
• Incorrect card information: Payments may be declined if the card number, expiration date, or security code (CVV) is entered incorrectly. Please double-check your details and try submitting the payment again.
• Bank security or fraud checks: Sometimes a bank may block a transaction if it detects unusual activity, such as a large purchase or multiple charges in a short time. In these cases, you’ll need to contact your bank directly to verify the transaction before retrying the payment.

Use the table below to understand common decline codes and what to do next.

Decline code	Description	Next steps
authentication_required	The card was declined because the transaction requires authentication such as 3D Secure.	The payer needs to contact their card issuer for more information.
authentication_not_handled	Related to authentication_required. You tried to proceed without performing the required authentication, so the issuer declined again.	Reach out to Stripe Support.
approve_with_id	The payment can’t be authorized.	Attempt the payment again. If you still can’t process it, the payer needs to contact their card issuer.
call_issuer	The card was declined for an unknown reason.	The payer needs to contact their card issuer for more information.
card_not_supported	The card doesn’t support this type of purchase.	The payer needs to contact their card issuer to make sure their card can be used to make this type of purchase.
card_velocity_exceeded	The payer has exceeded the balance, credit limit, or transaction amount limit available on their card.	The payer needs to contact their card issuer for more information.
currency_not_supported	The card doesn’t support the specified currency.	The payer needs to check with the issuer whether the card can be used for the type of currency specified.
do_not_honor	The card was declined for an unknown reason.	The payer needs to contact their card issuer for more information.
deprecateddo_not_try_again	The card was declined for an unknown reason.	The payer needs to contact their card issuer for more information.
duplicate_transaction	A transaction with identical amount and credit card information was submitted very recently.	Check to see if a recent payment already exists.
expired_card	The card has expired.	The payer needs to use another card.
generic_decline	The card was declined for an unknown reason or Stripe Radar or Adaptive Acceptance blocked the payment.	The payer needs to contact their card issuer for more information.
incorrect_address	The address entered is incorrect.	Try again using the correct address.
incorrect_cvc	The CVC number is incorrect.	Try again using the correct CVC.
incorrect_number	The card number is incorrect.	Try again using the correct card number.
incorrect_pin	The PIN entered is incorrect. This decline code only applies to payments made with a card reader.	Try again using the correct PIN.
incorrect_zip	The postal code is incorrect.	Try again using the correct billing postal code.
insufficient_funds	The card has insufficient funds to complete the purchase.	The payer needs to use an alternative payment method.
invalid_account	The card, or account the card is connected to, is invalid.	The payer needs to contact their card issuer to check that the card is working correctly.
invalid_amount	The payment amount is invalid, or exceeds the amount that’s allowed.	If the amount appears to be correct, the payer needs to check with their card issuer that they can make purchases of that amount.
invalid_cvc	The CVC number is incorrect.	Try again using the correct CVC.
invalid_expiry_month	The expiration month is invalid.	Try again using the correct expiration date.
invalid_expiry_year	The expiration year is invalid.	Try again using the correct expiration date.
invalid_number	The card number is incorrect.	Try again using the correct card number.
issuer_not_available	The card issuer couldn’t be reached, so the payment couldn’t be authorized.	Attempt the payment again. If you still can’t process it, the payer needs to contact their card issuer.
no_action_taken	The card was declined for an unknown reason.	The payer needs to contact their card issuer for more information.
not_permitted	The payment isn’t permitted.	The payer needs to contact their card issuer for more information.
pickup_card	The payer can’t use this card to make this payment (it’s possible it was reported lost or stolen).	They need to contact their card issuer for more information.
processing_error	An error occurred while processing the card.	The payment needs to be attempted again. If it still can’t be processed, try again later.
reenter_transaction	The payment couldn’t be processed by the issuer for an unknown reason.	The payment needs to be attempted again. If it still can’t be processed, the payer needs to contact their card issuer.
restricted_card	The payer can’t use this card to make this payment (it’s possible it was reported lost or stolen).	The payer needs to contact their card issuer for more information.
security_violation	The card was declined for an unknown reason.	The payer needs to contact their card issuer for more information.
service_not_allowed	The card was declined for an unknown reason.	The payer needs to contact their card issuer for more information.
stop_payment_order	The card was declined for an unknown reason.	The payer needs to contact their card issuer for more information.
transaction_not_allowed	The card was declined for an unknown reason.	The payer needs to contact their card issuer for more information.
deprecatedtry_again_later	The card was declined for an unknown reason.	Attempt the payment again. If subsequent payments are declined, the payer needs to contact their card issuer for more information.
withdrawal_count_limit_exceeded	The payer has exceeded the balance or credit limit available on their card.	The payer needs to use an alternative payment method.
mobile_device_authentication_required	The card was declined because the transaction requires authentication.	Retry attempts by tapping your mobile device again.