Payment Schemes

Introduction

A payment scheme is a named configuration that defines which payment methods are permitted for a category of transactions, what discounts are applied automatically, and whether certain bill types are available. Payment schemes are assigned to wards, departments, or patient categories so that cashiers and billing staff only see relevant payment options for each context.

Navigation

Main Menu → Administration → Payment Schemes OR Main Menu → Configuration → Finance → Payment Schemes

Creating a Payment Scheme

1. Navigate to the Payment Scheme administration page.
2. Click New Scheme.
3. Fill in:
   • Scheme Name — descriptive name (e.g., "Inpatient Insurance", "OPD Cash Only")
   • Description — purpose of the scheme
4. Save to create the scheme, then configure its details (payment method restrictions and discounts).

Payment Scheme Fields

Field	Description
Name	Unique identifier for the scheme
Description	Free-text purpose description
Active	Whether the scheme is currently in use
Allowed Payment Methods	Which of the 19 payment methods are enabled
Discount Rules	Automatic discounts applied when this scheme is used
Applicable To	OPD, Inpatient, Pharmacy, Channelling — where the scheme applies

Configuring Allowed Payment Methods

1. Open the scheme.
2. Under Payment Methods, enable or disable each method (Cash, Card, Credit, etc.).
3. Save. Cashiers using this scheme will only see the enabled methods.

See Payment Scheme Method Restrictions for step-by-step configuration.

Assigning Schemes to Departments or Wards

After creating a scheme:

1. Navigate to the department or ward configuration.
2. Select the scheme in the Payment Scheme field.
3. Save. All billing for that department/ward will apply this scheme's rules.

Default Scheme

If no specific scheme is assigned, the system uses the facility-wide default payment scheme. The default scheme is configured under Application Settings → Finance.

Examples

Scheme	Allowed Methods	Typical Use
Cash Only	Cash	Low-value OPD services
OPD Standard	Cash, Card, Credit, eWallet	General OPD billing
Insurance Inpatient	Credit, Card	Inpatient insurance ward
Staff Welfare	Staff, Staff_Welfare, Cash	Staff patient admissions
Channelling	Cash, Card, Agent, OnlineBookingAgent	Channel appointments

Technical Reference

Item	Detail
Entity	PaymentScheme
Related	Payment Scheme Method Restrictions, Credit Company Scheme