The Complete Payment
Hub for Modern Enterprises
From healthcare reimbursements to customer engagement, Millennium provides the unified platform that powers your entire payment ecosystem.
$50B+
Processed Annually
99.99%
Uptime SLA
500+
Enterprise Clients
<100ms
Avg. Response Time
Four Pillars of Payment Excellence
Each module works independently or together, giving you the flexibility to scale your payment infrastructure as you grow.
Enterprise Payment Hub
Centralize all your payment operations with a unified API. Handle cards, ACH, wire transfers, and digital wallets from a single integration.
- Multi-currency support
- Real-time settlement
- Advanced fraud detection
- PCI DSS Level 1
Customer Engagement Platform
Build deeper relationships with intelligent payment experiences. Automated invoicing, smart reminders, and seamless checkout flows.
- Smart dunning management
- Customizable payment pages
- Subscription management
- Analytics dashboard
Healthcare Payment Processing
Purpose-built for medical billing. Process insurance payments, handle EOB/ERA reconciliation, and manage VCC transactions at scale.
- VCC processing at scale
- HIPAA compliant
- 835/837 integration
- Auto-reconciliation
Healthcare Acquiring Services
Specialized merchant acquiring for medical providers. Lower interchange rates, multi-MID management, and fee-split automation.
- Level 2/3 processing
- Multi-MID support
- Built-in fee splitting
- Secure vaulting
The Virtual Healthcare Lockbox
Specialized Acquiring for Healthcare Reimbursements. Turn insurance payment details into cleared funds instantly. Millennium provides the high-volume acquiring power that billing companies need to handle VCCs and ACH transfers at scale.
Detail Ingestion
The Biller or Billing Company uploads insurance payment details (VCC numbers from an EOB/ERA) into the Millennium Hub.
Intelligent Acquiring
Millennium acts as the Merchant Acquirer, processing the single-use virtual card through our specialized healthcare gateway.
Automated Reconciliation
The system matches the processed payment to the specific 835 Electronic Remittance Advice, ensuring the Biller's books are balanced.
Rapid Settlement
Funds are cleared and deposited into the Biller's account with your billing fee automatically diverted.
Solving the VCC Problem
Insurance companies love VCCs because they get rebates; medical billers hate them because they are manual and expensive. Millennium flips the script with automated processing.
No More Manual Entry
Use our Secure Virtual Terminal or API Endpoint to automate the "card-not-present" transaction. Batch process thousands of VCCs simultaneously.
Secure Vaulting
Store insurance card details in a PCI-compliant vault for secondary payments or adjustments without re-entering data.
| Feature | Technical Benefit | Business Impact |
|---|---|---|
| Mass VCC Processing | Batch process thousands of Virtual Credit Cards simultaneously via API. | Eliminates manual "terminal entry" for staff, saving hundreds of hours. |
| Interchange Optimization | Level 2 & 3 data processing specifically tuned for healthcare corporate cards. | Reduces the high processing fees (often 3-5%) associated with insurance VCCs. |
| Multi-MID Management | Easily provision and manage separate Merchant IDs (MIDs) for every Biller you serve. | Ensures clean accounting and avoids commingling of funds across different medical practices. |
| Fee-Split Logic | Built-in logic to pull the billing company's % fee at the moment of capture. | Eliminates the need to "chase" clients for payment; you are paid as they are paid. |
Build with the Millennium Pulse API
Our RESTful API makes it simple to integrate enterprise payment capabilities into your billing software. Process insurance cards, handle settlements, and automate reconciliation with just a few lines of code.
End-to-End Encryption
The Billing Company never "touches" the raw card data, reducing their PCI audit scope.
HIPAA-Ready Infrastructure
Built to handle PHI (Protected Health Information) linked to payment data.
Real-Time Fraud Monitoring
Specialized algorithms detect "Double-Dip" attempts where an insurance card might be processed twice.
// The "Millennium Pulse" API POST /v1/payments/process-insurance-card { "vcc_number": "4111222233334444", "expiry": "12/26", "cvv": "123", "claim_id": "CLM-2024-00891", "biller_mid": "MID-ACME-BILLING-001", "amount": 1250.00, "currency": "USD" } // Response { "status": "authorized", "transaction_id": "txn_8k2j4h5n6m", "reconciliation_token": "rec_m8n9k2j3", "settlement_eta": "2024-02-06T09:00:00Z", "fee_split": { "biller_amount": 1218.75, "billing_company_fee": 31.25 } }
Compliance & Trust
Unlike standard processors, Millennium's infrastructure is purpose-built to handle the unique compliance requirements of enterprise and healthcare payments.
PCI DSS Level 1
Highest level of payment card industry compliance.
HIPAA Compliant
Built for healthcare data protection requirements.
SOC 2 Type II
Verified security controls and processes.
99.99% SLA
Enterprise-grade reliability guarantee.
NACHA Certified
Authorized ACH processing partner.
End-to-End Encryption
TLS 1.3 and AES-256 encryption standards.
Ready to Transform Your Payment Operations?
Join hundreds of enterprises that trust Millennium to power their payment infrastructure. Get started in minutes with our developer-friendly APIs.