Xacte
Xacte is a Quebec-based SaaS platform that automates RAMQ medical billing for over 9,100 physicians, specialists, and optometrists, combining real-time validation software with in-house expert verification services as a division of PetalMD.
- Company typePrivate
- Founded2011
- HeadquartersQuebec, Canada
- Headcount—
- GTM typeB2B
- OfferingSoftware
What Xacte does
Xacte is a Quebec-based medical billing SaaS company that automates the submission and validation of payment requests to the Régie de l'assurance maladie du Québec (RAMQ) on behalf of physicians, specialists, optometrists, and medical billing agencies. Founded in 2011 by pioneers of computerized medical billing in Quebec and operating as a division of PetalMD since the 2018 acquisition by Zone3W inc. (backed by BDC Capital), the company serves over 9,100 healthcare professionals across 11 medical specialties in which it holds the #1 ranking. The platform is differentiated by a hybrid model that pairs a real-time-synchronized web and mobile billing application with a team of 90 in-house billing experts who verify submissions, monitor regulatory changes, and consult with clients.
The underlying technology combines real-time RAMQ synchronization, automated validation of billing codes, NAM numbers, and time-interval constraints, mobile OCR-based scanning of health insurance cards, and native integrations with the dominant Quebec EMR systems (Omnimed, Medesync, KinLogix) plus PetalMD's scheduling platform. The company generates revenue primarily through annual subscription plans with a 50% resident discount and a physician referral program, distributed via inside sales, conference presence at specialty medical events, free training for residents, and a 60-day satisfaction guarantee. Xacte's 2022 acquisition of BAM and 2024 rebrand to "Xacte Facturation médicale par Petal" reflect a consolidation strategy within Quebec's regulated medical billing market, leveraging PetalMD's broader footprint across Canada, France, and the US.
Xacte firmographics
Firmographics- Name
- Xacte
- Legal name
- Zone3W inc.
- Website
- https://xacte.net
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Short description
- Xacte is a Quebec-based SaaS platform that automates RAMQ medical billing for over 9,100 physicians, specialists, and optometrists, combining real-time validation software with in-house expert verification services as a division of PetalMD.
- Ownership category
- akta.pro rank
Xacte industry classification
Industry- Product category
- Medical Billing Software
- NAICS
- Software Publishers (513210)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Patient Billing, Statements & Payment Processing (HLACACAG)
- akta.pro secondary industries
- Eligibility & Benefits Verification (HLACACAD), Payer-Provider Data Exchange (X12, prior auth, claims/clinical attachment) (HLACABAK), Revenue Cycle, Coding & Telehealth Compliance Platforms (for provider orgs) (HLALABAM)
Keywords
Where Xacte is headquartered
LocationHeadquarters
- HQ city
- Quebec
- HQ country
- Canada
- HQ region
- North America
Offices2 records
Markets served
Xacte business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Medical Billing SaaS Subscription: Xacte provides a web and mobile medical billing platform for physicians to submit payment requests to the RAMQ. The service is offered through subscription plans, with pricing based on annual plans. A 50% discount is offered for medical residents, and a referral program rewards physicians with free months of service for referring colleagues.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Standard physician plan |
| Subscription | Annual | Resident physician plan |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Xacte product offering
Product offeringCore offering
Xacte provides a web and mobile software platform that lets Quebec physicians and clinics submit, validate and track payment requests to the Régie de l'assurance maladie du Québec (RAMQ) in real time. The platform combines automated billing validation, OCR-based scanning of health insurance cards (NAM), native integrations with major Quebec EMR systems (Omnimed, Medesync, KinLogix) and PetalMD scheduling, and is bundled with human expert advisory services to maximize reimbursement and reduce rejected claims.
Product overview
Xacte is a unified RAMQ medical billing ecosystem combining a core web and mobile billing platform with integrated EMR connections, expert advisory services, and educational resources. The flagship Xacte platform provides real-time validation, expert verification, and RAMQ compliance checking, complemented by a mobile app with OCR-based NAM scanning, integrations with major Quebec EMR systems (Omnimed, Medesync, KinLogix, EyeVu), and PetalMD calendar synchronization. Additional offerings include specialty-specific billing guides, expert consulting services, a learning center, billing webinars, and a referral incentive program. Xacte operates as a division of Petal, serving over 9,100 healthcare professionals across 11 medical specialties in Quebec.
Differentiator
Problem solved
Functional benefit
Brands
- BAM (Bureau d'administration pour médecins): Medical billing agency acquired by Xacte in 2022, retained as a brand serving the Quebec market with over 50 years of experience
Products and services
- Xacte Medical Billing Platform Web-based RAMQ medical billing platform for Quebec physicians, specialists and clinics that provides real-time validation, automated submission of payment requests to the RAMQ, pre-submission billing-amount calculation, expert verification, and compliance monitoring. Designed for individual physicians, medical groups, GMFs/UMFs, optometrists and billing agencies operating in Quebec.
- Xacte Mobile Application iOS and Android mobile application that lets physicians scan NAM cards automatically with OCR, create billing requests on the go, send documents for processing, and access the full Xacte billing workflow from anywhere. Features include OCR-based NAM reading (including multi-NAM scanning for optometrists), an electronic billing slip, geolocation-based automatic practice location detection, and document sending into the web platform.
- Xacte Expert Advisory Services Professional medical billing consulting and expert verification services bundled with the Xacte platform. Includes expert review of billing requests, RAMQ compliance monitoring, personalized follow-up with physicians, and ongoing updates to RAMQ regulation changes. Staffed by an in-house team of medical billing experts.
Quantifiable outcome
- 99% of payment requests paid as submitted
- +6 more outcomes
Companies that use Xacte
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles5 records
Xacte technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability5 records
Feature6 records
Xacte partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- BAM (Bureau d'administration pour médecins)coreXacte acquired BAM (Bureau d'administration pour médecins), a medical billing agency founded over 50 years ago. The acquisition consolidated Xacte's position as the largest player in the Quebec medical billing market. BAM's team was integrated into Xacte to maintain service continuity.
- MultiDminorMultiD is an accounting services firm for Quebec physicians that had a partnership with Xacte, as noted in Santé Inc. billing guides. The partnership provided integrated accounting and billing services to physicians.
- Petal (PetalMD / Petal Health)corePetal acquired Xacte in 2018 and integrated it as a division. Petal is a healthcare technology company with over 350 employees, serving 75,000+ healthcare professionals across Canada, France, and the US. Xacte benefits from Petal's broader platform including scheduling, appointment management, and secure communication tools. In March 2024, Xacte rebranded to 'Xacte Facturation médicale par Petal' (Xacte Medical Billing by Petal).
- OmnimedcoreXacte is fully integrated with the Omnimed electronic medical record (EMR) system. Integration allows automatic transfer of physician identification, billing location, patient identification (NAM, name, first name), and billing date directly into Xacte. Users can view billing status in their schedule and import appointments directly into the billing grid.
- Medesync (TELUS Santé)coreXacte is fully integrated with Medesync, an EMR by TELUS Santé. Integration enables automatic transfer of registration and vulnerability information and consulting physician identification when creating billing requests from Medesync, with visual indicators in the schedule.
- KinLogixcoreXacte is integrated with KinLogix EMR system, allowing physicians to create billing requests directly from their EMR workflow.
Scale indicators11 records
Recent moves7 records
Expansion highlights6 records
Xacte competitors and assessment
Company assessmentEmerging players
- InputHealth: InputHealth is a Canadian EMR and patient engagement platform targeting specialty practices, with built-in clinical and billing workflow features. Comparable Canadian-market digital health vendor addressing physician practices.
- Jane App: Jane App is a Canadian practice management platform serving allied health practitioners with scheduling, charting, and billing features. Comparable SaaS business model targeting health practitioners in Canada.
Regional players
- Opencare: Opencare is a Canadian digital health marketplace connecting patients with healthcare providers. While focused on patient acquisition rather than billing, it operates in the same Canadian healthcare technology ecosystem that Xacte serves.
Broad incumbents
- WELL Health Technologies: WELL Health Technologies is a Canadian digital health company operating OSCAR-based EMRs and a clinic network across Canada. Competes with Xacte in Canadian healthcare IT and provides adjacent practice management and billing capabilities.
- Waystar: Waystar is a US healthcare payments platform providing revenue cycle management technology for hospitals and physician practices. Overlapping RCM and claims-processing capabilities for medical billing workflows.
- TELUS Health: TELUS Health is a major Canadian healthcare technology provider whose Medesync EMR system both partners with and competes with Xacte in Quebec. Operates at scale across multiple Canadian provinces with broader digital health and telehealth offerings overlapping Xacte's billing workflow.
- Tebra: Tebra (formerly Kareo) is a US-based medical billing and practice management SaaS platform serving independent practices. Comparable subscription billing software business model targeting ambulatory physicians.
- athenahealth: athenahealth is a leading US healthcare technology vendor providing integrated EHR, RCM, and patient engagement tools for ambulatory and hospital providers. Comparable end-to-end billing workflow serving similar physician customer base.
- NextGen Healthcare: NextGen Healthcare provides EHR and RCM platforms for ambulatory practices across North America, with specialty-focused modules overlapping Xacte's specialty billing depth in optometry, ophthalmology, and psychiatry.
Direct peers
- QHR Technologies (Accuro): Accuro is one of the leading Canadian EMR systems used across multiple provinces with integrated billing modules. Directly comparable in offering physician workflow software with embedded billing for ambulatory practices.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Xacte social profiles
Digital presenceXacte financial estimates
Financial estimateRevenue estimate
Valuation estimate
Xacte leadership team
Management profileNumber of profiles
Profiles5 records
Xacte subsidiaries and ownership
Company hierarchySubsidiaries1 record
Xacte funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Xacte M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Xacte
What does Xacte do?
Xacte provides a web and mobile software platform that lets Quebec physicians and clinics submit, validate and track payment requests to the Régie de l'assurance maladie du Québec (RAMQ) in real time. The platform combines automated billing validation, OCR-based scanning of health insurance cards (NAM), native integrations with major Quebec EMR systems (Omnimed, Medesync, KinLogix) and PetalMD scheduling, and is bundled with human expert advisory services to maximize reimbursement and reduce rejected claims.
Is Xacte a public or private company?
Xacte is a private company. It is classified as corporate owned and is currently operating.
When was Xacte founded?
Xacte was founded in 2011.
Where is Xacte based?
Xacte is headquartered in Quebec, Canada, in the North America region.
How does Xacte make money?
One revenue line is on record: medical Billing SaaS Subscription.
Who are Xacte's main competitors?
Emerging players on record are InputHealth and Jane App. Opencare is listed as a regional player. Broad incumbents are WELL Health Technologies, Waystar, TELUS Health, Tebra, athenahealth and NextGen Healthcare. QHR Technologies (Accuro) is listed as a direct peer.
Does Xacte have an API?
No public API is recorded for Xacte.
What industry is Xacte in?
Xacte's product category is Medical Billing Software. Its primary akta.pro industry code is HLACACAG, Patient Billing, Statements & Payment Processing, with a secondary code of HLACACAD, Eligibility & Benefits Verification. Its NAICS code is 513210 and its SIC code is 7372.