AvMed pays through Zelis: virtual card fees and how to switch to no-fee EFT
By George Ruan • October 9, 2026
Source check: October 9, 2026.
AvMed publishes no-cost standard ACH at AvMed ePayment Center registration. Its provider implementation hub distinguishes this payer-only option from fee-bearing ACH+ and virtual cards with merchant processing fees. Choose the product that matches the practice’s goal before changing bank-payment settings.
Sections
AvMed’s Zelis payment options
As checked October 9, 2026, AvMed describes a transition from ECHO/Change Healthcare payment processes to Zelis. Its comparison lists no provider fee for sponsored EPC ACH, variable provider fees for ACH+ and merchant fees for virtual cards. Existing Zelis customers continue under their current ACH+ or card method. AvMed’s official comparison and transition FAQ. No single fee percentage is published there.
How to switch AvMed payments to no-fee EFT
Follow the AvMed EPC registration link published in the implementation hub. The hub’s FAQ also contains a duplicated URL string; use the actual linked destination.
Enter the business and bank details, remittance preferences and notifications requested by the EPC process. Review and sign the ACH agreement.
Allow for bank pre-note validation. AvMed says the no-cost route may take about six business days before deposits begin. AvMed’s no-cost enrollment instructions
If you already use ACH+ or cards, ask EPC support how to change the AvMed-specific payment method and whether any existing agreement needs a separate update. Confirm an effective date.
Bank and ERA screens in the Zelis guide
For the banking step, Zelis’s guide shows Bank Account Information fields for institution, account type, routing and account numbers, ownership, account holder and tax ID. Enter the authorized practice details in your verified payer portal and review the ACH agreement before submitting; this shared training example does not establish your payer’s fee terms.
Screenshot source: Zelis ePayment Center Training Guide (v2024.07), page 19.
For the remittance step, review ERA Delivery and the contact responsible for receiving it. The guide shows Download, Clearinghouse and FTPS choices. Select the supported destination that matches your biller’s workflow, then Continue. These are Zelis training screens; payer branding and available options may vary.
Screenshot source: Zelis ePayment Center Training Guide (v2024.07), page 19.
Keep EPC and network support separate
AvMed lists 855-774-4392 for EPC and 877-828-8770 for network portal support. See AvMed’s support section. State whether you are trying to enroll in sponsored ACH, change an existing paid method or recover account access. “We need EFT” leaves the fee question unanswered.
Biller access and ERA delivery
AvMed says EPC provides its payment ERAs/835s and delivery preferences are configured during enrollment; its network portal has broader payment and remittance tools. AvMed’s remittance-delivery guidance. Ask which destination serves the practice’s actual posting workflow. A successful bank deposit does not prove that claim detail reached the biller.
Before the change, list the payment relationships and the account owner for each. After enrollment, record the portal, payer, TIN, product name and confirmation. Use an approved access process for the biller’s own identity and ask portal support about the required permissions rather than sharing an administrator password.
What if AvMed card fees were already taken?
Compare the remittance, bank receipt and merchant statement. Identify whether the difference is a processor fee, a vendor service charge or a claim adjustment before asking for a correction. Request review from the party that assessed the charge and keep the result in writing. A switch to EPC does not establish a refund of earlier fees.
For an unprocessed card, ask support whether it can be reissued through another method and how the original will be handled. Track that payment during bank validation; do not assume enrollment automatically replaces an issued card. Reconcile the replacement once and retain both references.
Check the first AvMed EFT after the change
Confirm the deposit corresponds to the intended legal entity and bank destination.
Match the deposit to the ERA and inspect any separate vendor charges, rather than checking only the bank total.
Verify the biller can retrieve and post the remittance. Keep follow-up open until the first payment reconciles without unexplained fees.
For the portal and payment choices, use our Zelis ePayment Center login guide, ePayment Center vs Payments Network enrollment guide, and Zelis virtual-card fee overview.
Need help coordinating payer enrollment, remittances and payment follow-up? Talk to Bomi about billing support.
Frequently Asked Questions
Is AvMed Zelis ACH free?
AvMed publishes a no-cost standard ACH option through its payer-sponsored ePayment Center. Its ACH+ option has variable provider fees.
Will my current Zelis method switch automatically to free ACH?
AvMed says existing customers continue with their current Zelis method. Ask how to replace a fee-bearing arrangement with AvMed EPC; do not assume a new login changes it.
What is AvMed ePayment Center support?
AvMed lists 855-774-4392 for its ePayment Center. Use the payer’s official implementation hub to confirm the enrollment link and current instructions.
Want Bomi to handle insurance billing?
Bomi helps therapy practices with benefit checks, claims, denials, balances, CAQH, attestations, and revenue management.
Book a call
About Bomi
Founded by George Ruan, Dax Earl, and Andrey Goder, Bomi helps independent therapists and group practices with insurance billing, credentialing, and payer follow-up. Bomi grew out of Dax’s experience helping his mother with her therapy practice, with a clear purpose: reduce the administrative burden of insurance while keeping practice owners in control.
Meet our founders