45 Degrees Automates Payment Compliance Across 12 Markets with Swiper

THE COMPANY

Outpatient billing across a dozen regulatory regimes

45 Degrees handles billing for outpatient clinic networks in 12 U.S. states, each with its own data residency rules and audit requirements layered on top of PCI DSS and PSD2-style authentication standards.

THE CHALLENGE

Every regulatory update became a fire drill

Card data touched internal servers in several legacy billing flows, audit trails lived across scattered support tickets rather than one system of record, and every new state requirement meant another manual review cycle before it could go live.

Every time a rule changed in one of our markets, we were reverse-engineering our own systems just to prove we were compliant.
David Osei, Head of Risk & Compliance

THE SOLUTION

Compliance built into the billing layer itself

Swiper tokenizes card data so it never touches 45 Degrees’s own servers, logs every payment method, refund, and dispute to an immutable audit trail, and scopes access to sensitive billing data by role. Rolling out across all 12 markets took a single implementation, not twelve separate ones.

Because compliance controls live in the platform rather than in each region’s local process, new regulatory requirements get absorbed centrally instead of triggering a fresh project each time.

THE RESULTS

Audit prep that takes hours, not weeks

45 Degrees now pulls a complete, exportable audit trail for any market in minutes, and has cut the time its compliance team spends preparing for regulatory reviews by 90%.