Abstract: A system and process for providing a flexible and automated ACH-payment processing service to hospital organizations and health care providers with respect to the payment of patient self-pay accounts under payment plans in compliance with the requirements of 26 U.S.C. §501(r), for automating the system service charge calculations paid by the hospital organizations and health care providers, and for providing automated reports to comply with requirements of 26 U.S.C. §501(r) and proposed regulations at 26 C.F.R. §1.501(r).