This is some text inside of a div block.
Handsfree, compliant collections placements.
Place collections accounts at up to 8.5x the productivity of a manual team. Substrate's AI agents categorize debt, validate compliance, run voicemail campaigns, and generate agency workbooks. Up to 90% of placements go out handsfree, freeing your specialists for higher-value AR work.
Watch a Demo
Watch a Demo
How Substrate ARC works
How Substrate ARC works
Up to
90%
placements sent without a human
Up to
8.5x
productivity vs. manual placement team
Compatible with
25+
EMR/PM systems
Live in
days
value in hours
How the collections placement agent works.
Intelligent debt categorization
Categorizes patient balances by your thresholds. Picks the right collection strategy per account.
Automated account validation
Checks statement history, final notices, bankruptcy status, and call attempts before sending accounts to collections.
Handsfree annotation
Adds collection notes and date actions to invoices. Full audit trail, no manual entry.
Voicemail campaigns
Schedules and tracks voicemail via VoApps when call requirements aren't met. Compliance built in.
Automatic agency placements
Generates and uploads balanced Pay11 workbooks ready for submission. No manual report creation.
Over 3,500 Payers Available
Covers all of the payers your team bills
EDI endpoints, direct APIs and browser-based portal agents across commercial, government and portal-only payers.
View Payers  →
View Payers  →

Substrate ARC: Collections

What is AI medical collections software?

AI medical collections software places self-pay accounts with agencies, tracks consent and compliance, and writes status back to your PM. Substrate AI, Waystar, and traditional agencies appear in this category. Substrate places accounts handsfree with a full audit trail.

Updated August 2026. See revenue cycle guides and patient refund compliance for adjacent workflows.

RCM resource libraryPatient refund state compliance

How does Substrate place self-pay accounts?

The agent packages eligible self-pay balances, applies your placement rules, and sends them to the agency you already use. Status and recalls write back to the PM so AR stays in one place.

Is collections placement HIPAA compliant?

Yes. Placement runs on US infrastructure with HIPAA and SOC 2 controls, consent checks, and an audit trail of every account that moves.

Do I still need a collections agency?

You keep your agency. Substrate automates the placement and recall work your billing team does between the PM and the agency.

How fast can we go live?

Most teams go live in days, not months. No eng/IT integration project. First placements typically start within 48 hours of sending an initial file.

See Substrate ARC run your collections.

Talk to us and we'll show you account validation, compliant placement, and agency workbooks on your accounts.

Talk to Us
Security first, from the ground-up
End-to-end encryption protects sensitive data in transit and at rest, ensuring complete confidentiality.
Zero-trust architecture verifies every request, reducing attack surfaces and preventing unauthorized access.
Regular security audits and compliance checks keep our infrastructure resilient against evolving threats.
Granular access controls allow precise permission management, securing data at every level of the system.
Trust & Security  →
Trust & Security  →
HIPAA
SOC2