Funders
Tyro Health settlements in Xero
Tyro Health settles the funders it names: its own card payments, nib Direct, Comcare, icare, QBE and WorkSafe Victoria. A day of approved transactions is paid as one settlement into the nominated account, and the remittance page splits it per funder. Medicare, DVA, ECLIPSE, WorkCover QLD and HealthPoint settle outside the gateway. Post the settlement through a Tyro Health clearing account in Xero.
Key facts
- Who pays
- Tyro Health Online, for the funders it settles: its own card payments, nib Direct, Comcare, icare, QBE and WorkSafe Victoria1
- Who settles outside it
- The help centre states the gateway does not manage settlement for Medicare, DVA, ECLIPSE, WorkCover QLD or HealthPoint, so that money arrives outside a gateway settlement1
- Deposit shape
- All approved transactions for a day are paid as a single settlement amount into the nominated bank details1
- Cut-offs
- 8pm AET for online card payments and 5pm AET for the insurers the gateway settles, with no payment on national public holidays1
- Time to funds
- Settlement runs the next business day on a BECS file, which carries a one or two business day delay and up to three at some institutions1
- Breakdown file
- The remittance page: a daily view per funder that opens to the invoices inside it with the bank lodgement reference, plus a monthly CSV per funder2
- Fee rates
- 14 cents a claim for Medicare, DVA and WorkCover QLD, private health free, ECLIPSE 1.1 percent, online cards 1.7 percent plus 30 cents, all stated as inclusive of GST3
- How the fee is charged
- The allied health canonical template records this rail as billed separately each month rather than netted, so it posts the settlement gross with no fee leg10
- Private health, from January 2026
- Private health rebates arrive as one daily deposit per bank account, including HCF, consolidated across the EFTPOS and online solutions5
- Clearing account in the allied health template
- 105 Tyro Health clearing, a bank type account in Xero10
- GST treatment
- Follows the service underneath: a listed health service supplied by a recognised health professional, and generally accepted in that profession as necessary for the appropriate treatment of the recipient, is GST free7
What Tyro Health settles, and what it only lodges
Tyro Health Online is a claiming gateway. A practice lodges through one screen, so it is easy to assume the money comes back through one payer. It does not. The gateway settles some funders on the practice's behalf and passes the rest straight through, and that line is the one fact the whole reconciliation hangs on.
| Settled by Tyro Health Online | Settled outside the gateway |
|---|---|
| Tyro Health Online card payments | Medicare |
| nib Direct | DVA |
| Comcare | ECLIPSE |
| icare | WorkCover QLD |
| QBE | HealthPoint terminal claims |
| WorkSafe Victoria |
The help centre puts it plainly: the gateway does not manage settlement for any other insurers, including Medicare, DVA, ECLIPSE, WorkCover QLD or HealthPoint. So a practice claiming a full spread through one gateway should expect a Tyro Health credit and several other credits on the same day, from different payers, on different clocks.
The settlement clock
Settlements are processed every business day for the transactions approved the day before, and nothing settles on a national public holiday. The cut-off decides which day a claim belongs to: 8pm AET for online card payments and 5pm AET for the insurers the gateway settles. A claim approved after its cut-off joins the next run, which is the usual reason a day looks light.
The payment itself travels on a BECS file, and that adds its own tail. Tyro Health describes a one or two business day delay in processing, with large banks usually landing it the same day and some institutions taking up to three business days. Two practices banking with different institutions can see the same settlement arrive on different dates.
One credit, several funders inside it
Tyro Health states that all approved transactions for a day are paid as a single settlement amount into the nominated bank details, while the remittance page lists the settlement per individual funder. That is the shape of the problem in one sentence: the bank feed carries one number, and the funders live one level down.
Whether a practice sees one credit for the whole day or one credit per funder is not settled by the published wording. The pattern below holds either way, which is the point of putting a clearing account between the invoices and the bank line.
The remittance page is where the split lives
The gateway's remittance page carries the settlement reports for approved transactions that have been paid. It is the document that turns one credit back into invoices, and it is where the matching key appears.
| Tab | What it carries | Export |
|---|---|---|
| Daily | Settlement payments for each individual funder; opening one shows the invoices in that remittance advice with the bank lodgement reference and account details | PDF or CSV |
| Monthly | A summary per funder holding every settlement run, the amount settled each day and the account details | CSV |
The bank lodgement reference is the key worth keeping. The help centre lists it on the invoices behind each remittance advice, so a settlement that cannot be tied to invoices by amount can still be tied by reference. The column names inside the CSV are not published in the help article, so treat the file itself as the specification.
The fee arrives on its own bill
Tyro Health charges 14 cents a claim for Medicare, DVA and WorkCover QLD claims, nothing for private health claims, 1.1 percent for ECLIPSE, and 1.7 percent plus 30 cents for online card payments. EFTPOS card rates and a $29 monthly rental per EFTPOS machine sit beside those on the same price list, and the published fees are stated as inclusive of GST.
The price list does not say how the fee is collected. The allied health canonical template settles that for the map: it records this rail as billed separately each month, so the settlement posts gross and the rail carries no fee leg. The vendor's billing article fits that reading, since it says an invoice is generated only where paid functionality was used in the billing month and breaks the charges down by location, feature, provider and application. The monthly fee posts to the merchant and claiming fees account with GST on expenses.
The Xero pattern that leaves one exact match
The allied health canonical template posts this rail as one gross settlement into clearing account 105, Tyro Health clearing, which is a bank type account in Xero. The rail takes no fee leg, because the fee is billed separately each month.
- Receipt each invoice to the Tyro Health clearing account on the date the funder approved it, which is the date the settlement is built from.
- Match the bank credit as a transfer out of the clearing account, using the bank lodgement reference from the remittance as the reference.
- Read the clearing balance as money the funders have approved and the bank has not delivered yet. It returns to nil once each settlement lands.
- Treat an aged balance as a question rather than a rounding difference: either a settlement that landed and was matched somewhere else, or an approval that was reversed before it settled.
The funders that pay the practice directly get their own clearing accounts under the same template, which is what keeps a Medicare payment run and a Tyro Health settlement from landing in the same pile. The funder hub pages for Medicare bulk bill and WorkCover Queensland carry those two.
GST follows the service, not the gateway
A settlement is a payment, not a supply. The GST treatment belongs to the service that was billed. The ATO makes a health service that is not a medical service GST free on three conditions together: it is one of the listed health services, a recognised health professional in that service performs it, and it is generally accepted in that profession as necessary for the appropriate treatment of the recipient of the supply. Where a third party is only paying the practitioner on the patient's behalf, the ATO leaves that test alone, which is where the gateway sits.
Insurer funded work reaches the same answer by a different route. A health service organised and paid for by an insurer, a statutory compensation scheme operator, a compulsory third party scheme operator or an Australian Government agency is GST free where the same service would be GST free supplied to the patient directly, which is the icare, WorkSafe Victoria and QBE side of this rail. Two things sit beside that: the practice and that recipient may agree not to treat those supplies as GST free, and a health service supplied to any other kind of business does not get the concession.
In the canonical template that means a private health fund benefit resolves to account 403, workers compensation treatment to 407, and other third party payers to 410, each as GST free income. A report or assessment an insurer asks for is a different supply, with the insurer as the recipient, and it is taxable unless it is an ordinary and natural part of the health service itself. One funder can produce both in the same settlement.
When the settlement does not match the day
Four things explain most of the gap between what a practice claimed and what arrived, and none of them is a write off.
- A claim was approved after its cut-off, so it belongs to the next settlement rather than to this one.
- A settlement fell on or beside a national public holiday, so the run moved and two days can arrive together.
- A claim was declined, so it did not settle at all and the invoice is still open rather than short paid.
- The funder is one the gateway does not settle, so its money is arriving separately and is not missing from anything.
The one change worth knowing about is on private health. From 14 January 2026 the gateway settles private health insurance claims as one payment the next business day, described as one daily deposit per bank account for all private health rebates including HCF, consolidated across its EFTPOS and online solutions. A practice that used to see a weekly HCF payment now sees it inside a daily credit, which is a reconciliation change as much as a cash flow one.
Which Tyro is on the bank line
Searching for this topic returns three different products that share a name: the claiming gateway, the EFTPOS card facility, and Tyro's banking and bill payment product. They produce different bank lines and belong in different accounts, so the first step in a Tyro reconciliation is naming which one the credit came from.
- Claiming settlements from the gateway, one per day for the funders it settles, gross of a monthly fee.
- EFTPOS card settlements from the terminal, priced per card type, and unconfirmed as gross or net.
- Banking and bill payment, which moves money out rather than in and has nothing to do with a claim.
Terminal claims through HealthPoint sit outside the gateway's settlement altogether and are covered on the Tyro EFTPOS and HealthPoint page, alongside the terminal rail that HICAPS settles the same way.
How Ledger Map handles the rail
The practice approves one standing map before anything syncs. A claim line resolves to its account and tax rate through that map, and each settlement is posted as one balanced document set against the Tyro Health clearing account, so the bank feed is left with one exact match rather than a pile of part payments.
Where the map cannot resolve a line, it becomes a question with the options laid out instead of a quiet posting. Nothing on this page is a treatment the product chose: the accounts and the tax rates come from the canonical template the practice starts from, and the practice signs off the map first. How it works walks through that approval.
Questions
Does Tyro Health pay Medicare and DVA claims?
No. The gateway lodges those claims, and its help centre states that Tyro Health Online does not manage settlement for Medicare, DVA, ECLIPSE, WorkCover QLD or HealthPoint. That money arrives outside a gateway settlement, on each funder's own clock, so expect it as separate bank lines and give each one its own clearing account.
Why does one Tyro Health deposit cover several funders?
Because a day of approved transactions is paid as a single settlement amount into the nominated bank details, while the remittance page reports it per individual funder. The bank feed sees the total and the funders sit one level down, inside the remittance advice.
Are Tyro Health settlements gross or net of fees?
The allied health canonical template records claiming settlements as gross, with the fee billed separately each month rather than deducted from a settlement, and the vendor's billing article shows fees arriving as a monthly invoice. Whether Tyro EFTPOS card settlements arrive gross or net is unverified and worth checking against a pilot bank feed.
Which Xero account should a Tyro Health settlement land in?
In the allied health canonical template the rail posts its gross settlement into 105 Tyro Health clearing, a bank type account. Invoices are receipted there on approval, and the bank credit is matched as a transfer out, so the clearing balance shows what has been approved but not yet banked.
How long does a Tyro Health settlement take to reach the bank?
Settlement runs the next business day for transactions approved before the cut-off, and nothing runs on a national public holiday. The payment then travels on a BECS file, which can add one or two business days, and up to three at some institutions.
Read next
- FundersTyro EFTPOS and HealthPoint settlements
- FundersHICAPS settlements in Xero
- FundersWorkCover Queensland payments in Xero
- FundersHow Medicare bulk bill payments land in Xero
- Practice systemsCliniko Xero integration: what syncs, what does not
- FundersHow TAC and CTP insurer payments land in Xero
- HubFunders
Sources
Open questions
- Whether a practice sees one credit for a whole day or one credit per funder is not settled by the published wording: the settlements article describes a single settlement amount for the day, while the remittance page lists settlement payments for each individual funder. The clearing account pattern holds either way, which is how this page handles it.
- The settlements article, updated February 2026, still lists HealthPoint outside the gateway's settlement, while the December 2025 post describes private health rebates consolidating across the EFTPOS and online solutions. Which of the two describes a HealthPoint terminal claim today is unresolved.
- Whether Tyro EFTPOS card settlements arrive gross or net of fees is unverified, and the canonical template asks a practice to confirm it against a pilot bank feed before treating the rail as gross.
- Xero Central's article on Tyro direct feeds refused a readable fetch, so what that feed connects, reported to be the Tyro bank account rather than gateway claiming settlements, is cited here as unverified and is not stated as fact.
- The remittance CSV column names are not published in the help article, so the file itself is the specification rather than any documented layout.
- The bank narration for a settlement is not published. It is reported as carrying the word Tyro and is unverified, so the descriptor is learned from the practice's own feed rather than hard coded.
- Neither Tyro Health's price list nor its billing article states whether a claiming fee is netted from a settlement. The page takes that from the allied health canonical template, which records the rail as billed separately each month, so a practice whose statements show otherwise should raise it before the map is approved.
- Which revenue account a QBE claim resolves to depends on the practice's own funding rule. The worked example puts it at 410, other third-party payers, because that is where a payer without its own rule lands; a practice that classifies QBE as a workers compensation scheme would see 407 instead.
- Remittance for approved transactions
Tyro Health. Retrieved 2 Sep 2026. Source updated 27 Oct 2024.
primary
- Next business day settlement for private health insurance
Tyro Health. Retrieved 2 Sep 2026. Source updated 17 Dec 2025.
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- Other health services, GST and health
Australian Taxation Office. Retrieved 3 Sep 2026. Source updated 12 Jun 2024.
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- Supply of services through a third party, GST and health
Australian Taxation Office. Retrieved 3 Sep 2026. Source updated 12 Jun 2024.
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- Medical services, GST and health
Australian Taxation Office. Retrieved 3 Sep 2026. Source updated 12 Jun 2024.
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Review
Last reviewed 3 Sep 2026 by Shane
General information for Australian allied health practices, not tax advice. Confirm a treatment with your BAS agent or accountant before you post it.
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