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Healthcare · Payments

A Stripe billing system that holds every payment state, dispute included

Card, ACH, refunds, and disputes turned a simple invoice tool into a real payments system with an auditable state machine.

The story behind

The platform started with a simple invoice tool. As real money moved through it, the simple tool stopped being simple. A card payment can succeed, fail, get refunded, get partially refunded, or get disputed weeks later, and ACH adds its own slow-settling states on top.

Each of those states has to be reflected correctly in the provider portal, the patient record, and the books, or someone gets double-charged and someone else spends an afternoon reconciling by hand. The brief was to make the unglamorous states correct, not to add features.

Business value

  • Billing edge cases stop landing on a human to resolve by hand.
  • Every payment has one true state, reflected the same way everywhere.
  • Disputes and refunds are handled by the system, with an audit trail, instead of ad hoc.

Project scope

  • Stripe Connect integration for card and ACH.
  • An invoice state machine covering draft, sent, unpaid, partially paid, refunded, voided, and disputed.
  • Reconciliation between Stripe events and the platform records.
  • Audit logging on every state transition.

Deliverables

  • Stripe Connect billing integration (card and ACH).
  • Invoice state machine with every payment state modelled.
  • Webhook reconciliation against the system of record.
  • Audit-safe transition log.

Tech stack

.NETAzureStripe ConnectMS SQLWebhooks

Frequently asked

Why is this anonymized?

It is a HIPAA-aligned healthcare engagement. We show the architecture and approach, not the client brand.

Can you build this on our existing platform?

Yes. The state machine and reconciliation patterns transfer to most subscription or invoice-based products.

Do you handle disputes and ACH, not just happy-path cards?

Yes. The unglamorous states, ACH settlement, partial refunds, and disputes are the actual job here.

Have a workflow that needs this?

Tell us the shape of the problem. Scoped estimate, usually within 3 to 5 business days. No card, no obligation.

Estimate this buildor email business@highcraft.io

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