Dual-Rail Payments for a US Healthcare Platform

Challenge

Uniting Health needed US ACH payments alongside card checkout. The team wanted full control over verification and routing instead of outsourcing core payment logic to a third-party stack.

Solution

Designed and delivered a custom ACH verification process and integrated Stripe for both credit card and ACH rails. Payment data flows through encrypted tokenisation with a single reconciliation path for finance.

Architecture

Technology

• Stripe
• ACH
• Payment tokenisation
• Webhook pipelines

Impact

• Card and ACH payments live on one Stripe account
• In-house verification flow without outsourced payment logic
• Real-time customer notifications with predictable settlement timing
• Foundation for recurring and one-off healthcare payments