Not one we lead with. We can board this if you want it. It is not one we know inside out, so we would be setting it up rather than advising you on it — and we would tell you that before you signed anything. Talk it through with us.
Business software · Transworld Systems
TSI
Healthcare receivables recovery, from soft reminders through to collections.
- Medical & dental
- Professional services
An independent assessment. Vigilant can place TSI, and is paid the same either way — which is why the drawbacks are on this page too.
What it is
TSI handles the balances that survive everything else. Where LQpay and Hyfin shorten the front of the receivables cycle, TSI works the back of it — accounts that have aged past the point where another statement will do anything, using a graduated approach that starts with diplomatic reminders on your letterhead and escalates only if it has to.
The reason practices use a graduated model rather than going straight to collections is patient retention. An aggressive collections referral recovers a balance and loses the patient; a sequence of professional contacts recovers a meaningful share of it while the relationship survives.
TSI's healthcare coverage is unusually broad: hospitals, private clinics, urgent care, family medicine and pediatrics, the full specialty list from cardiology through urology, ambulatory and outpatient surgery centres, radiology and imaging, diagnostic and pathology labs, rehabilitation and physical therapy, and onward through the post-acute space.
Who it fits
Best for
Medical, dental and specialty practices, surgery centres, imaging and labs carrying aged patient balances they have written off chasing.
Probably not ideal for
Businesses whose receivables are merely slow. Automate the front of the cycle first with Hyfin or LQpay — recovery is the last resort, not the first tool.
Key capabilities
- Graduated recovery
- Starts with professional reminders on your letterhead and escalates only as needed.
- Retention-aware
- Designed to recover the balance without ending the patient relationship.
- Broad healthcare coverage
- Hospitals, clinics, urgent care, specialty practices, surgery centres, imaging, labs and rehabilitation.
- Referral workflow
- A defined intake process rather than an ad-hoc hand-off of a spreadsheet.
Strengths and tradeoffs
Strengths
- Recovers money most businesses have already written off, which is found revenue rather than a cost saving.
- Contingency options mean you can pay from what is actually recovered.
- A softer early-stage service that reads as a courtesy reminder rather than a collections call, which protects the relationship.
- Established and compliant, which matters enormously in healthcare and consumer collections.
- Reporting that tells you which segments of your ageing are worth pursuing at all.
Tradeoffs
- This is the last stage. Everything upstream — invoicing, reminders, card on file — should be fixed first.
- Collections carry relationship risk, and in a small community that risk is real and lasting.
- Recovery rates on old balances are modest by nature; expect a fraction, not the full amount.
- Regulatory rules around consumer collections are strict and non-negotiable.
- Not a fix for a broken front end — if balances keep ageing, the problem is upstream.
Pricing
Fixed-fee and contingency models depending on the stage and the age of the balance.
Pricing reflects what the vendor publishes or what we have seen quoted. Your actual terms depend on volume, card mix and what is negotiated — which is the part we do.
Vigilant's assessment
Worth doing on a genuine backlog, and worth doing only once the front end is fixed. If you find yourself sending the same kind of account to recovery every quarter, the money is better spent on collecting properly in the first place — which is what the other two on this page do.
How it compares
Prevention versus cure. TSI is the cure, and it is the most expensive way to get paid — which is why the first two matter more.
| Criterion | LQpay Purpose-built patient payments | Clover PracticePay Bundled with Clover processing | TSI Recovery and late-stage AR |
|---|---|---|---|
| Stage | Current balances | Current balances | Aged and written-off balances |
| Best at | Stopping the re-keying | One vendor across the front desk | Recovering what is already lost |
| Cost shape | Platform plus processing | Processing plus a three-year term | Contingency or per placement |
| Relationship risk | None | None | Real — handle with care |
| Fixes the root cause | Yes | Yes | No |
| Typical recovery | Most balances, faster | Most balances, faster | A fraction of an old balance |
| Pick it when | Posting is manual today | You want one vendor | You have a genuine backlog to clear |
Verdict. Clear the backlog once with TSI, then fix the front end with LQpay or PracticePay so you do not need it again. Using recovery as a routine part of the cycle is a sign the process upstream is broken.
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