Momentum in an allied health practice is built through steady, compounding progress. However, our latest analysis of over 350,000 invoices reveals that many practices are unknowingly paying a "hidden tax" that stalls their growth.

If you are still relying on direct bank transfers, you are likely operating on a 14-day collection cycle. Our analysis shows this isn't just a slight delay; it is a fundamentally different, and slower, collection pattern that acts as an interest-free loan to your clients.

Managing cash-flow is a critical reality for all businesses. When comparing different payment methods, our analysis showed a stark difference in the speed that payments were completed (ie: actual payments were received). While manual business-as-usual payments see a slow trickle-in of cash between 5 and 14 days, splose Payments consistently have a much faster payment time.

• Online payments: splose Payments settle in a median of 1.4 days.
• The offline reality: Manual payments take a median of 6.0 days to be collected.

The advantage: Online payments through splose are typically 4.6 days faster than offline methods, moving money into your hands nearly five days sooner

Many practices choose bank transfers because they appear free. But "free" comes with a high price tag in the form of late payments and manual labor.

For invoices reconciled via accounting ledgers (the primary method for manual transfers), the failure rate is significant:

• Xero users: 21% of invoices are paid late.
• QuickBooks users: 48% of invoices are paid late.

In February 2026 alone, this manual friction resulted in $12M in overdue invoices across our network. This is capital that should be fueling better decisions and stronger teams, but is instead sitting in limbo.

The delay in manual payments is mechanical. It relies on a chain of events where the client must remember to pay and the practice must manually reconcile the transfer. For many payments there can also be additional variable time in chasing up clients for payment.

splose Payments removes these points of failure entirely by acting as an invisible office manager.

• Automatic card vaulting: Stores cards securely to unlock one-click post-appointment billing.
• Deposit-to-balance: Slashes no-shows by 50% by securing commitment at the time of booking.
• Instant reconciliation: Automatically matches payments to invoices in Xero or QuickBooks, so your books are done before you leave the clinic.
• Automated payment reminders: Auto-sends "Pay Now" links to clients, bypassing the 14-day "chasing" cycle entirely.

Business momentum isn't just about how many patients you see; it’s about how quickly your effort converts into the capital needed to grow your team, upgrade your equipment, and pay yourself.

When you choose manual bank transfers to save a few cents in fees, you aren't just saving money, you’re buying an 11-day delay. You are essentially choosing to wait nearly two weeks for the privilege of doing your own manual reconciliation.

The data is clear: the $12M in overdue invoices currently sitting in limbo across the splose network isn't a market problem, it’s a mechanical one. By automating the point of collection, you don't just get paid; you buy back the mental bandwidth to focus on what actually moves the needle in your practice.

Stop acting like a debt collector. Move at splose speed with splose Payments.

Ready to set your practice to get paid faster? Check our support guides now.