Payment Posting Phase
Every dollar accounted for. Automated ERA matching, variance detection, and contractual underpayment identification - before revenue disappears into the gap.
Automate Payment Posting with Recovery Intelligence
Payment posting is where most revenue leakage occurs undetected. Payers routinely underpay, misapply adjustments, or deny without proper explanation - and manual posting processes miss it. Factum automates ERA reconciliation and applies contractual logic to every remittance, surfacing every dollar that shouldn't have been taken.
Automated ERA Reconciliation
The platform ingests 835 ERA files from all payers, automatically matches payments to open claims, and posts allowed amounts - eliminating manual cash posting for clean remittances.
Contractual Variance Detection
Every posted payment is compared against the contracted rate in the payer matrix. Underpayments, incorrect adjustments, and fee schedule violations are flagged before the balance is written off.
Secondary Billing Triggers
After primary adjudication, the platform identifies claims eligible for secondary billing and routes them to the appropriate payer - capturing coordination of benefits revenue without manual follow-up.
Payment Posting & Financial Reconciliation Sandbox
Adjust monthly remittance volume and toggle payer contract variances to simulate live 835 ERA ingestion, underpayment detection, and contract audit outcomes in real time.
Manual Posting Overhead Reduced
58 hrs
of 64 hrs/mo total
Revenue Leakage Captured
$55K
of $57K identified
Auto-Post Rate
96.1%
ERA lines posted without staff touch
Avg. Days to Post
24d
from ERA receipt to ledger
Financial Control Panel
Adjust remittance inputs to model pipeline behavior
Payer Contract Variances
Sovereign Auditor Active
Contract rate matrix benchmarking every ERA line against stored payer agreements.
Charged
$640
Paid
$598
Variance
-$42(6.6%)
Charged
$480
Paid
$456
Variance
-$24(5.0%)
Charged
$2,800
Paid
$2,533
Variance
-$267(9.5%)
Charged
$2,800
Paid
$2,671
Variance
-$129(4.6%)
Charged
$9,400
Paid
$8,607
Variance
-$793(8.4%)
Charged
$850
Paid
$790
Variance
-$60(7.1%)
Charged
$1,850
Paid
$1,777
Variance
-$73(3.9%)
Charged
$3,200
Paid
$2,825
Variance
-$375(11.7%)
Charged
$480
Paid
$467
Variance
-$13(2.7%)
Charged
$3,200
Paid
$2,823
Variance
-$377(11.8%)
Sovereign Contract Auditor - Live Summary
Lines Audited
10
Variances Detected
0
Est. Recovery
$0
Actionable Worklists | The "How" of Payment Posting
Payment posting is not a passive process - it is an active recovery function.
ERA Auto-Post Queue – Processing Clean Remittances at Scale
Remittances that match cleanly to open claims are auto-posted without staff intervention. The platform processes thousands of ERA lines per batch, reconciling payments and updating claim status in real time.
Trigger Action:
After auto-posting, the platform immediately compares the allowed amount against the contracted rate and flags any variance exceeding the configured threshold for review.
Underpayment Review Queue – Recovering Contractual Shortfalls
Claims where the payer paid less than the contracted rate are automatically routed with the variance amount, contract reference, and recommended action pre-populated.
Trigger Action:
Staff review the variance and initiate a recoupment request directly from the queue. Repeat underpayment patterns by the same payer trigger escalation to denial management.
Unmatched Payment Queue – Resolving Posting Exceptions
Payments that cannot be automatically matched - due to claim number discrepancies, split payments, or capitation adjustments - are routed for manual resolution.
Trigger Action:
The platform provides AI-assisted matching suggestions based on claim amount, service date, and demographics - reducing manual resolution time to seconds per exception.
Integrated Technology | How Payment Posting Is Powered
Contract Rate Matrix
The platform maintains a live contract rate matrix for every active payer relationship. When a payment is posted, it is automatically benchmarked against the applicable contracted rate - not a national fee schedule average.
Contract updates are version-controlled, ensuring historical claims are evaluated against the rate in effect at the time of service - not the current contract.
ERA Processing Engine
Factum processes 835 ERA files from all major payers and clearinghouses, normalizing remittance data regardless of payer-specific formatting variations.
The engine applies adjustment reason codes and remark codes to classify every line item - distinguishing contractual adjustments from denials, write-offs, and patient responsibility transfers.
The Transition | From Payment Posting to Denial Management
Claims that are denied, underpaid beyond acceptable variance, or carry contested adjustment reason codes are automatically routed to Denial Management. Staff working the denial queue receive the claim with all posting context already attached.
Automatic Trigger |
When a posted payment triggers a contractual variance or a denial remark code is detected, the platform routes the claim to the Denial Management queue with the ERA context, denial category, and appeal deadline already populated.