MedToken · Data privacy
An additional privacy layer designed to remove unnecessary patient health information before payment information reaches the financial-services provider. Explore MedToken.
Healthcare payment privacy
Protect patient privacy before payment data reaches the bank.
MedPay+ brings together MedToken data privacy technology and merchant processing. MedToken strips unnecessary PHI from the payment package and retokenizes it before transmission to the bank.
One healthcare payment offering. Two clear roles.
MedPay+ · Privacy and processing
MedToken combined with merchant processing for healthcare organizations. Review your payment acceptance needs and privacy workflow together. Explore MedPay+.
Processing costs · A separate review
Understand your current effective rate and available pricing options alongside your privacy requirements. Upload & Analyze My Statement.
How MedToken handles the payment package
Start with the questions your organization needs answered
Technology and data flow
Understand the additional tokenization step and which information is needed for processing. Read the tokenization guide.
Security and procurement
Review terminal configuration, downstream systems, integrations, and evidence for your proposed deployment. Prepare a security review.
Privacy responsibilities
Separate payment data safeguards from your wider HIPAA responsibilities. Read about healthcare payment privacy.
MedToken and MedPay+ questions
What is MedToken?
MedToken is Fluid Financial’s patent-pending data privacy technology. It is designed to remove unnecessary protected health information (PHI), including electronic PHI (ePHI), from a payment data package and generate a second token before that token is sent to the bank or financial-services provider for processing.
What is MedPay+?
MedPay+ combines MedToken data privacy technology with merchant processing. MedToken is the privacy technology; MedPay+ is the complete healthcare payment offering.
How does Fluid Financial help protect ePHI during payment processing?
Fluid Financial’s MedToken technology removes unnecessary electronic protected health information (ePHI) from the payment package at the transaction processor, which generates a second token before bank processing. MedPay+ combines that technology with merchant processing. See the workflow.
How does MedToken differ from card tokenization?
Card tokenization replaces sensitive card credentials with substitute values. MedToken adds a separate privacy step: removing unnecessary PHI at the transaction processor and creating a second token before transmission to the financial-services provider. Compare the two approaches.
Review your healthcare payment workflow
Discuss MedToken, your processing requirements, and how MedPay+ could fit your organization.
Request a Technical ReviewHealthcare payment data privacy: federal and state considerations
Preparing a regulatory review? Explore EO 14117 and healthcare payments and state health-data privacy, with official sources and practical questions for your team.