79% of respondents said digital patient refunds would improve confidence in their healthcare provider.

Onbe, a leading corporate disbursements platform, today released findings of the Spring 2026 Patient Refund Survey, revealing strong patient preference for digital refunds. According to Onbe’s research, 83% of respondents stated that faster digital payments would improve satisfaction with their healthcare provider, a 13% increase from the previous year, and 78% reported they would be more likely to seek a new provider after a poor payment experience. As patient experience metrics shape reputation, healthcare organizations are evaluating touchpoints that influence patient perception, including financial interactions like refunds.

According to the survey, nearly seven in ten respondents have experienced a delayed, lost, or incorrect refund—yet more than half of refunds are still issued by paper check, which patients describe as slow, inconvenient, and easily lost. While many healthcare systems have invested heavily in digitizing processes such as scheduling, telehealth, and online bill pay, refunds often remain manual, creating friction in an otherwise digital patient journey. Delayed or unclear refunds not only impact patient satisfaction, but also lead to higher inbound call volume, reissuance costs, and expose healthcare organizations to check fraud and unclaimed property reporting. As a result, modernizing patient refunds is a competitive necessity and an opportunity to build trust and efficiency.

“Patients today expect the same digital convenience in healthcare that they experience in every other part of their lives,” said Tracy Monson, Vice President, Segment Management at Onbe. “Paper checks don’t just frustrate patients—they slow providers down and increase costs and risk. Transitioning to digital refunds turns a common pain point into an opportunity to improve the patient experience, strengthen trust, and streamline operations.”

Key findings from Onbe’s Spring 2026 Patient Refund Survey include:

• 81% of patients stated that making and receiving payments digitally would be an improvement compared to their current payment experience.
• 66% of respondents stated they have received a patient refund check in the mail and have been unsure why they received it.
• For patients, the leading inconveniences when receiving a refund from a healthcare provider are speed of delivery (41%) and lack of choice in payment type (23%).

As patient expectations continue to rise and healthcare becomes increasingly consumer-driven, organizations that modernize the financial experience will be better positioned to reduce friction, strengthen patient trust, and operate more efficiently.

Learn more about Onbe’s healthcare payout solutions.

About Onbe

With more than 25 years of industry experience and offices in Chicago, Philadelphia and London, Onbe is a fintech that manages and modernizes customer and compensation payments for corporate clients ranging from mid-market to the Fortune 500. Onbe’s team of experts and technology platform offers clients a turnkey solution to offload their entire B2C payment operations, relieving them of the cost, complexity and risk that come with orchestrating these payments in-house. Backed by top-tier investors, Onbe delivers on today’s consumer expectations for instant, digital and seamless payments. To learn more, visit www.onbe.com and follow us on LinkedIn.

Methodology

The Spring 2026 Healthcare Patient Refund Survey is the eleventh edition of Onbe’s quarterly payments market research surveys. The purpose of this survey is to learn how consumers prefer to receive a patient refund and to better understand the challenges they face when receiving these payments. Respondents were asked to complete a survey with 20 questions during February 2026. We received a total of 564 responses with a 60% qualifying rate, collected from across the United States and from demographics reflective of national diversity. Respondents must have been at least 18 years of age to qualify for the survey.

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