What Paymed does

Paymed is a French fintech operating as a wholly-owned subsidiary of the Crédit Agricole group, founded in 2019 and headquartered in Champagne-au-Mont-d'Or in the Lyon metropolitan area. The company sells payment and debt management solutions to liberal healthcare professionals (médecins, pharmaciens, infirmiers, kinésithérapeutes, dentistes, sage-femmes, and paramédicaux) across metropolitan France. Its stated value proposition collapses the historically fragmented vendor stack (bank for card commissions, billing software editor, card reader supplier) into a single contract and single point of contact, anchored by real-time verification of patient insurance rights (ADRi for Assurance Maladie, IDB for complementary insurers).

The core technology is Paymed One, an all-in-one cloud-based SaaS platform certified SESAM-Vitale (cahier des charges 1.40 addendum 8) and HDS-compliant, supporting medical billing via NGAP and CCAM nomenclatures, teletransmission, and integrated card payment. The platform is paired with proprietary hardware — a next-generation Android card reader available in mobile, fixed, WiFi, and GPRS variants — and integrates with over 1,600 insurance organisms for third-party payment processing, including the SCOR (Scannérisation des Ordonnances) feature for electronic prescription submission. IT infrastructure is being migrated from on-premise to OVH Cloud with Kubernetes containerization, CI/CD pipelines, and ISO 27001 compliance monitoring.

Paymed monetizes through four recurring streams: monthly subscriptions to the Paymed One software and its profession-specific modules (Médecins, Sage-femmes, Kinésithérapeutes, Infirmiers, Dentistes, Paramédicaux, Pharmaciens); third-party payment management (Tiers Payant) at €60 HT/month per practice; payment recovery (recouvrement des impayés) starting at €360 HT/month; and transaction-based card processing fees on its Android readers. GPRS connectivity (€6 HT/month), health card reader add-on (€9 TTC/month), and a J+1 express payment option are layered as usage-based add-ons. Go-to-market is hybrid: a self-service subscription portal (souscription.paymed.pro) for product-led acquisition among solo practitioners, paired with consultative direct sales for the pharmacist segment and a preferential pricing channel for Crédit Agricole and LCL bank clients.

Name

Paymed

Legal name

PAYMED

Website

https://paymed.pro

Company type

Private

Founded year

2019

Operating status

Operating

Short description

Paymed is a French fintech subsidiary of Crédit Agricole providing Paymed One, a SESAM-Vitale-certified cloud SaaS platform for medical billing, payment collection, and third-party payment management targeting liberal healthcare professionals across France.

Ownership category

akta.pro rank

Headquarters

HQ city

Champagne-au-mont-d'or

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Software Subscription (Paymed One): Monthly subscription fees for access to the Paymed One billing and payment platform. Pricing varies by healthcare profession with tailored solutions.
2. Third-Party Payment Management (Tiers Payant): Fees for managing third-party payment processing including referrals to 1,600 insurance organisms, bank reconciliation, single-line transfers at J+6, and payment recovery services.
3. Card Payment Processing: Revenue from payment card transaction processing through Android card readers, with optional GPRS connectivity (+6€ HT/month) and optional health card reader (+7.2€ HT/month).
4. Payment Recovery Services: Additional fees for managing unpaid third-party payments, including rejection handling, CPAM and mutual follow-ups, and monthly telephone monitoring.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Paymed sells Paymed One, an all-in-one cloud-based software for medical billing (FSE), teletransmission to Assurance Maladie, third-party health-insurance payment management (tiers payant), and unpaid claims recovery, aimed at French liberal healthcare professionals. The offering is complemented by an Android Bluetooth/4G/WiFi card reader and managed services that handle end-to-end collection and recovery workflows.

Product overview

Paymed offers Paymed One, an all-in-one cloud-based platform for medical billing and payment collection targeting French liberal healthcare professionals. The core platform integrates billing, teletransmission, and card payment collection into a single solution with profession-specific modules (Médecins, Sage-femmes, Kinésithérapeutes, Infirmiers, Dentistes, Paramédicaux, Pharmaciens). Add-on modules include a next-generation Android card reader hardware, optional SESAM-Vitale health card reader (9€ TTC/month), GPRS connectivity (6€ HT/month), J+1 express payment option, and unpaid claims recovery services. Healthcare professionals access services through dedicated client portals including Paymed One, espace-client for third-party payment management, and e-paiement for card payment services.

Differentiator

Problem solved

Functional benefit

Products and services

• Paymed One All-in-one cloud-based medical billing and payment-management platform for French liberal healthcare professionals. It handles electronic medical billing (FSE), teletransmission to Assurance Maladie, real-time rights verification (ADRi/IDB), SCOR prescription scanning, DMP integration, INSi identity verification, third-party payment collection (tiers payant), unpaid-claims recovery, and treasury management in a single HDS-certified and ISO 27001-certified environment.
• Lecteur CB Android (Paymed card reader) Android Bluetooth / 4G / WiFi card reader sold by Paymed as companion hardware to Paymed One for in-practice card payment acceptance by healthcare professionals.
• Encaissement du tiers payant Managed service that handles end-to-end collection of third-party health-insurance payments (tiers payant) on behalf of the healthcare practitioner, integrating with Paymed One.
• Recouvrement des impayés Managed debt-recovery service for unpaid healthcare claims, available as an add-on to Paymed One, outsources follow-up and collection from defaulting payers to Paymed.

Quantifiable outcome

• Less than 0.5% rejection rate related to patient rights due to real-time verification
• +3 more outcomes

Named customers3 records

Segments8 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Five partnerships are on record, tiered minor and core.

• R+/RésopharmaminorStrategic or Co-development Partner · 14 March 2023Strategic partnership announced March 14, 2023 to simplify third-party payment (tiers payant) for pharmacists. Combined expertise in pharmacy management and payment processing to deliver integrated solutions for pharmacy billing challenges.
• SESAM-Vitale / GIE SESAM-VitalecoreTechnology or IntegrationSESAM-Vitale certification ensures Paymed One software meets French health insurance billing standards. Compliant with cahier des charges 1.40 addendum 8, enabling secure teletransmission and health card processing.
• ACPR (Autorité de Contrôle Prudentiel et de Résolution)coreOthersRegulatory authority overseeing payment services in France. Paymed is registered as payment services provider agent (agent de prestataire de services de paiement) under registration number 75905, located at 4 Place de Budapest, Paris.
• Healthcare Professional Syndicates and AssociationscoreStrategic or Co-development PartnerPaymed was co-constructed with healthcare professional representatives and syndicates, ensuring products address actual practitioner needs. The company participates in defending professional interests regarding payment conventions and their evolution.
• Assurance Maladie (CPAM) and Complementary Health InsurerscoreTechnology or IntegrationIntegration with 1,600+ insurance organisms (Assurance Maladie mandatory and complementary insurers) for third-party payment processing, teletransmission, and real-time patient rights verification through ADRi and IDB systems.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Cegedim Santé: Cegedim Santé is one of the leading French healthcare IT vendors offering medical billing software (Crossway, MLI), patient management, and SESAM-Vitale certified solutions to physicians and allied health professionals. Directly comparable as a French-focused healthcare billing and practice management SaaS competitor serving overlapping liberal professional segments.
• CompuGroup Medical France: CompuGroup Medical's French operations (formerly Imagine Editions and Medicorp) provide SESAM-Vitale certified practice management and billing software to physicians and allied health professionals. Direct competitor in the French liberal healthcare billing software market with comparable regulatory positioning and target customer base.
• Equasens (formerly Pharmagest): Equasens is the leading pharmacy IT vendor in France, offering LGPI pharmacy management software and ecosystem solutions including payment and tiers payant functionality for community pharmacies. Direct competitor specifically in the pharmacist customer segment that Paymed's third-party payment and recovery services also target.
• R+/Résopharma: R+/Résopharma is a French pharmacy management software vendor with a strategic partnership with Paymed announced in March 2023 to simplify tiers payant. Direct peer in pharmacy billing infrastructure; comparable in target customer, regulatory scope, and adjacent product overlap.
• Maincare Solutions: Maincare Solutions (part of Dedalus Group) provides healthcare IT solutions in France including billing, patient management, and digital health platforms to hospitals, clinics, and ambulatory professionals. Comparable to Paymed in French healthcare software delivery and regulatory compliance scope.

Broad incumbents

• Doctolib: Doctolib is France's dominant healthtech platform offering appointment booking, teleconsultation, and increasingly practice management tools to liberal healthcare professionals. While broader in scope and not a direct billing competitor, Doctolib's deepening software footprint and established professional relationships make it a strategic adjacent incumbent.
• Dedalus Group: Dedalus is a major European healthcare IT group operating in France through subsidiaries including Maincare and Medasys. Offers broader hospital and clinical information systems with billing functionality, comparable regulatory positioning, but operates at a larger scale and broader scope than Paymed.
• Stripe: Stripe is a global payment infrastructure platform that, while not healthcare-specific, competes in the underlying payment processing layer for healthcare-adjacent merchants in France. Indirectly comparable through payment processing capabilities and platform-level integration patterns.

Emerging players

• Alméo: Alméo provides online medical practice management and billing software to French healthcare professionals, targeting a comparable customer base with a cloud-native SaaS model. Smaller and more focused than Paymed but directly comparable in product category and target liberal professional segments.
• Alan: Alan is a French health insurance technology company offering digital health insurance plans to companies and increasingly to liberal professionals. Adjacent player touching French healthcare payments and professional segments, with growing infrastructure that could intersect with Paymed's billing and tiers payant scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/PaymedTP
• Facebookfacebook.com/Paymed.TP
• LinkedInlinkedin.com/company/paymed-tiers-payant

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Paymed