What is card on file in Phreesia, and when is it used?

• A. A stored payment method to simplify future copays or balances; used at check-in or post-visit as configured.
• B. A real-time credit card authorization performed at every visit.
• C. A public record of a patient’s card number in the system.
• D. A manual worksheet for collecting copays at the front desk.

Answer: (A)

Card on file means a securely stored payment method attached to a patient’s account that can be used to pay future charges, like copays or balances, without collecting card details again each time. In Phreesia, this stored card can be charged at check-in or after the visit, depending on how the system is set up. This speeds up payments and reduces the administrative effort for both patients and staff, while still honoring the configured timing for when charges occur.

It isn’t a real-time authorization charged at every visit, nor is it a public record of a card number, nor a manual worksheet for collecting copays.