Card only programs
Eliminate the need for checks with virtual cards
Simplify service provider payments, payment processes, boost efficiency, and lower payment costs

While it’s only one part of our payment solution, the virtual card system is the cornerstone of our business. We own the patents of a system so effective; we currently license it to other virtual payment providers.
Here’s how it works:
The Optum Financial virtual card functions the same as any bank card
We generate a unique 16-digit card number that can only be used up to a specific dollar amount as dictated by the claim
We deliver that number and the explanation of benefits electronically to your Payee
They process it as they would any other credit card
Benefits to your payees
Easy claim payment processing for providers and payees
Speedier transfer of funds into accounts
Less labor hours for payment processing
Benefits to you
Eliminates the costs of issuing checks, including postage, processing time, and bank fees
Eliminates check fraud
Simplified reconciliation, including real-time tracking and daily reports
Revenue sharing per transaction transforms your cost center into a revenue generator