Pay Staff & Vendors via Direct Deposit
Clinic staff. Locum physicians. Medical suppliers. All via EFT.
Data stays on your machine. No per-payment fees.
The healthcare payment situation
Medical practices and clinics have specific payment needs:
- Staff payroll: Nurses, medical assistants, admin staff—regular direct deposit
- Locum payments: Covering physicians paid per shift or per diem
- Vendor payments: Medical supplies, lab services, equipment
- Associate payments: Percentage splits with associate physicians
Privacy matters in healthcare. Cloud-based payment services mean your financial data lives on someone else's servers.
EFT Flow: Local-first
Desktop application. Your payment data stays on your machine. Generate bank files locally. Upload directly to your bank. We never see your data.
$95/month flat. PIPEDA-friendly by design.
How it works
From your practice management, payroll spreadsheet, or accounting software.
Desktop application—data never leaves your computer.
Tell EFT Flow which columns are payee name, amount, etc.
EFT Flow matches names to bank details stored locally.
Bank-ready file saved locally. Upload to your bank.
Privacy and security
Healthcare organizations take data privacy seriously. So do we:
Cloud services
- Your data on their servers
- Third-party access to payment info
- Potential breach exposure
- Data residency questions
EFT Flow (local)
- Data stays on your machine
- No third-party access
- You control the files
- Data never leaves Canada
PIPEDA note: By keeping data local, you maintain control over personal information. No data processing agreements with third parties for payment data. Your compliance, your control.
Common healthcare use cases
Clinic staff payroll
Calculate payroll in your spreadsheet or payroll system. Export net pay amounts. Generate direct deposit file. Staff paid.
Locum payments
Track locum shifts and rates. Export payment list when it's time to pay. Locums get direct deposit instead of cheques.
Associate splits
Calculate associate physician revenue shares. Pay via EFT instead of writing cheques every month.
Vendor payments
Medical suppliers, lab services, equipment vendors—pay all via one bank file upload.
Works for all practice types
Family medicine
Staff payroll, locum coverage, medical supplies.
Dental practices
Staff, hygienists, lab fees, suppliers.
Specialist clinics
Staff, associate physicians, specialized equipment vendors.
Physiotherapy
Staff, contract therapists, equipment suppliers.
Optometry
Staff, lab services, frame suppliers.
Walk-in clinics
Staff across locations, locum physicians, supplies.
Cost comparison
| Monthly Payments | Per-Transaction Service | EFT Flow |
|---|---|---|
| 20 (small practice) | ~$20/month | $95/month |
| 50 (mid-size clinic) | ~$50/month | $95/month |
| 100 (large practice) | ~$100/month | $95/month |
| 200+ (multi-location) | ~$200+/month | $95/month |
The real value: Beyond cost savings, EFT Flow's local-first approach means better data control—important for healthcare organizations.
FAQ for healthcare organizations
Is EFT Flow PIPEDA compliant?
EFT Flow is a desktop application—your payment data stays on your computer. There's no cloud storage of your data on our servers. This local-first approach means you maintain control of personal information, simplifying your PIPEDA compliance.
Can we use this for physician compensation?
Yes. Whether you're paying associate physicians their split, locum physicians for coverage, or any other physician compensation, EFT Flow generates the direct deposit file. You calculate the amounts; we generate the bank file.
Does this work with our EMR/practice management system?
If your system can export to CSV or Excel, it works with EFT Flow. You don't need direct integration—just export your payment list, import into EFT Flow.
What about payroll deductions for staff?
EFT Flow handles the payment part—getting net pay to bank accounts. You calculate deductions (CPP, EI, tax) separately using CRA's payroll calculator or payroll software. Many practices use an accountant for payroll calculations.
Can multiple locations use the same license?
EFT Flow is per-seat (per computer). For multiple locations, you'd need multiple seats, or generate all payments from a central location.
Ready to simplify practice payments?
Local-first desktop app. Your data stays on your machine. Pay staff and vendors for one flat fee. $95/month.