Abstract: A method performed by multi-tenant system for consolidated user services (MTSCUS) may include receiving invoice information for multiple patients sent from multiple providers, comprising separately created invoices for their multiple patients, identifying invoices received from the multiple providers that identify patient invoices for each of the multiple patients for healthcare providers both enrolled and not enrolled to receive payment, creating, with an intelligent notification system, an invoice notification plan tailored to each of the multiple patients, displaying invoices to each of the multiple patients, and receiving and directing payment from each of the multiple patients to accounts of the multiple healthcare providers for each of the invoices for each of the multiple patients, wherein healthcare providers enrolled to receive electronic payment are sent electronic payment and healthcare providers not enrolled to receive electronic payment are sent a check.