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Instapaytient helps healthcare practices offer flexible monthly payment options through an online checkout experience, so patients can say yes to care without the full upfront cost getting in the way.

Patients want treatment. Cost often slows them down.

With Instapaytient, your practice can turn treatment costs into clear monthly payment options, powered by Affirm. Patients can browse eligible services, apply for financing, and complete checkout online or in-practice.

Your team gets a smoother payment conversation. Patients get more control. Your practice gets paid upfront, subject to approval.

Most patients do not reject care because they do not want it. They pause because the price feels too heavy all at once.

Instapaytient helps healthcare providers solve that moment.

Instead of asking patients to pay the full cost upfront, your practice can offer flexible financing options directly inside the checkout experience. Patients can review monthly payment choices, understand their options, and move forward with less hesitation.

No awkward money conversation at the desk. No long back-and-forth. No patient leaving with “I’ll think about it” and disappearing into the Bermuda Triangle of follow-ups.

A patient who is interested today may not stay interested next week.

That is where healthcare finance makes a real difference. Instapaytient gives patients a simple path from interest to payment while the intent is still fresh.

They can explore your services, choose what they need, apply for financing, and complete checkout from one clear online experience.

For this product, we usually suggest positioning it less like a payment feature and more like a revenue recovery tool. The real value is not “we offer financing.” The real value is “we help more patients move forward before cost stalls the decision.”

Your team already has enough to manage.

Instapaytient helps reduce the manual work that usually comes with payment questions, financing explanations, and follow-up calls. Patients can see financing options before or during their visit, which means your staff spends less time explaining costs and more time helping patients complete the next step.

It fits into the way modern healthcare decisions already happen: online research, comparison, hesitation, then one tiny moment where the patient decides, “Okay, I’m ready.”

Your checkout needs to be ready for that moment.

Instapaytient brings Affirm financing into a healthcare checkout experience built for practices that sell elective, out-of-pocket, or higher-value services.

Patients can see transparent monthly payment options and choose what works for their budget. Your practice can offer a better payment experience without becoming the lender, chasing payments, or building a financing system from scratch.

This looks great, but it’s not ideal if your practice only handles low-cost visits where financing rarely affects the patient’s decision. It works best when cost hesitation blocks treatment acceptance.

Money conversations can get uncomfortable fast.

Patients may want care but feel embarrassed asking about price. Staff may want to help but feel unsure how to explain payment options without sounding pushy.

Instapaytient creates a cleaner middle ground. Patients can review payment options privately, understand what is available, and make a decision with less pressure.

Share an experience: we often see healthcare offers perform better when the payment path feels calm and clear. A patient sitting at home at 9:40 PM, scrolling through treatment options with a cup of tea nearby, does not want a phone call. They want a simple next step.

Instapaytient works best for healthcare providers that offer services where patients often pause because of price.

That can include elective treatments, aesthetic care, dental treatment plans, wellness services, and other out-of-pocket healthcare offers.

We often see people choose basic “contact us for pricing” pages, then realize they are forcing interested patients into a sales conversation too early. Healthcare finance works better when the patient can see a path forward before they talk themselves out of it.

Healthcare finance should make the decision easier, not more complicated.

Instapaytient helps your practice offer monthly payment options, online checkout, and a smoother path from treatment interest to completed payment.

Nuestro equipo también puede ayudarte en español. Agenda tu demo y descubre cómo Instapaytient puede impulsar tu práctica—sin barreras.

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Subject to eligibility. See lending terms at affirm.com/disclosures.

AFFIRM LENDING PARTNER DISCLOSURE

Rates from 0%-36% APR. Payment options through Affirm are subject to an eligibility check, may not be available in all states, and are provided by these lending partners: affirm.com/lenders.

Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.

AFFIRM LENDING PARTNERS

Loans through Affirm are made by Cross River Bank, Member FDIC; Celtic Bank; Lead Bank, Member FDIC; or Affirm Loan Services, LLC.California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.