Introducing mock ERAs for test claims

You now get back a realistic mock 835 Electronic Remittance Advice (ERA) for claims submitted to Stedi’s test payer.

The mock ERA mirrors the type of electronic remittance you’d receive from payers in production. Each contains the same information as if the test claim were paid in full.

If you’re migrating to Stedi, mock ERAs make it easier to validate your workflow before going live. If you’re already a Stedi customer, you can use mock ERAs to build integration tests that confirm your systems handle payment data correctly.

How to get a mock ERA

1. Enroll your provider to receive 835 ERAs from the Stedi test payer. You can enroll using the Stedi portal or the Transaction Enrollment API.
   
   First, create a provider record. For example, using the Create Provider endpoint:

   curl --request POST \
     --url "https://enrollments.us.stedi.com/2024-09-01/providers" \
     --header "Authorization: <api_key>" \
     --header "Content-Type: application/json" \
     --data '{
       "taxIdType": "EIN",       
       "taxId": "123456789",                 // Billing provider's EIN
       "name": "Acme Health Services",       // Billing provider's name
       "npi": "1999999984",                  // Billing provider's NPI
       ...
     }
   
   

   The response includes a provider ID:
   
   

   {
     "id": "db6665c5-7b97-4af9-8c68-a00a336c2998", // Provider ID
     "name": "Acme Health Services",
     ...
   }

   
   Use the returned provider ID to create an enrollment request for ERAs with the Stedi test payer (Payer ID: STEDITEST). For example, using the Create Enrollment endpoint:
   
   

   curl --request POST \
     --url "https://enrollments.us.stedi.com/2024-09-01/enrollments" \
     --header "Authorization: <api_key>" \
     --header "Content-Type: application/json" \
     --data '{
       "transactions": {
         "claimPayment": {
           "enroll": true                              // Enroll for ERA transactions
         }
       },
       ...
       "payer": {
         "idOrAlias": "STEDITEST"                      // Payer ID for Stedi Test Payer
       },
       "provider": {
         "id": "db6665c5-7b97-4af9-8c68-a00a336c2998"  // Provider ID
       },
       "source": "API",
       "status": "STEDI_ACTION_REQUIRED"
     }'

   
   

2. Submit a test claim for the provider to the Stedi test payer. Unlike production payers, you don’t need to wait until the ERA enrollment is live.
   
   You can submit test claims using the Stedi portal, SFTP, or the Claim Submission API endpoints. For example, using the Professional Claims Submission JSON endpoint:

   curl --request POST \
     --url "https://healthcare.us.stedi.com/2024-04-01/change/medicalnetwork/professionalclaims/v3/submission" \
     --header "Authorization: <api_key>" \
     --header "Content-Type: application/json" \
     --data '{
       "billing": {
         "employerId": "123456789",                          // Billing provider's EIN
         "npi": "1999999984",                                // Billing provider's NPI
         "organizationName": "Acme Health Services",         // Billing provider's name
          ...
       },
       "claimInformation": {
         "claimChargeAmount": "109.20",                      // Total claim charge amount
         "patientControlNumber": "ABCDEF12345267890",        // Patient control number
         ...
         },
         "serviceLines": [
           {
             "professionalService": {
               "lineItemChargeAmount": "109.20",             // Service line 1 charge amount
               "procedureIdentifier": "HC",                  // Uses HCPS / CPT codes
               "procedureCode": "90837",                     // CPT code for psychotherapy
               ...
             },
             ...
           }
         ],
         ...
       },
      "subscriber": {
         "firstName": "John",                              // Patient first name
         "lastName": "Doe",                                // Patient last name
         "memberId": "U7777788888",                        // Patient member ID      
   	    ...
       },
       "tradingPartnerServiceId": "STEDITEST",             // Payer ID for Stedi Test Payer
       "usageIndicator": "T",                              // Test claim
       ...
     }'

   
   

3. Stedi will immediately respond with a 277CA claim acknowledgment. You’ll receive a mock 835 ERA a few seconds afterward.
   
   If you’re using SFTP, the ERA will appear in your server’s from-stedi directory. If you’re using Stedi’s APIs, you can use a webhook to listen for incoming 835 ERAs, and then retrieve them using the 835 ERA Report endpoint. You can also monitor for ERAs manually in the Stedi portal.
   
   The mock ERA will indicate the claim was paid in full using an electronic payment. The ERA will include the same information as the original claim, including (but not limited to) the same: 

   • Patient control number

   • Provider information

   • Patient information

   • Service lines

   • Charges
     
     

   For example, a mock 835 ERA retrieved using the 835 ERA Report API endpoint:

   {
     "transactions": [
       {
         "detailInfo": [
           {
             "paymentInfo": [
               {
                 "claimPaymentInfo": {
                   "claimPaymentAmount": "109.20",                // Total payment amount
                   "patientControlNumber": "ABCDEF12345267890",   // Patient control number
                   "totalClaimChargeAmount": "109.20",            // Total claim charge amount  
                   ...
                 },
                 "patientName": {
                   "firstName": "John",                           // Patient first name
                   "lastName": "Doe",                             // Patient last name
                   "memberId": "U7777788888",                     // Patient member ID
                   ...
                 },
                 "serviceLines": [
                   {
                     "servicePaymentInformation": {
                       "productOrServiceIDQualifier": "HC",        // Uses HCPS / CPT codes
                       "lineItemChargeAmount": "109.20",           // Service line 1 charge amount  
                       "adjudicatedProcedureCode": "90837",        // CPT code for psychotherapy
                       ...
                     },
                     ...
                   }
                 ],
                 ...
               }
             ],
             ...
           }
         ],
         "financialInformation": {
           "creditOrDebitFlagCode": "C",                         // Credit (payment)
           "paymentMethodCode": "ACH",                           // Electronic payment        
           ...
         },
         "payee": {
           "federalTaxPayersIdentificationNumber": "123456789", // Billing provider's EIN
           "npi": "1999999984",                                 // Billing provider's NPI
           "name": "Acme Health Services",                      // Billing provider's name  
           ...
         },
         "payer": {
           "name": "STEDITEST",                                // Payer ID for Stedi Test Payer
           ...
         },
         ...
       }
     ],
     ...
   }

Get started

Mock ERAs are available on all Stedi plans, including the free Basic plan.

The Basic plan gives you 100 free claims and 100 free ERAs for paid claims each month. Signup takes less than two minutes and doesn’t require a credit card.