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How we approached it

Making treatment affordable without losing the margin

The practice was declining a meaningful amount of clinically necessary treatment for a single reason: patients could not pay in full, and the third-party lender declined a significant share of the people who most needed an option. Each decline was a patient who left without treatment and a case the practice had already invested time in presenting.

We built in-house payment plans into the treatment presentation itself rather than as a separate system. A coordinator could show the total, the deposit and the monthly figure while the patient was still in the chair, and accept it there — which matters, because a financing option living in another application is one nobody uses at the moment of decision.

Terms were made configurable: plan length, deposit, minimum balance, any administration fee, and which procedure categories qualified. The practice settled on a small number of standard plans plus an approval route for exceptions, which kept the process simple for the team while preserving flexibility.

The mechanical part determined whether this became revenue or receivables. Instalments charged automatically against a stored card on the agreed date, soft declines retried on a schedule, hard declines raised an exception with contact detail attached, and plans that fell behind flowed into A/R follow-up rather than disappearing into goodwill.

Reporting kept it honest — active plan value, on-time rate, default rate and exposure by location — so the practice could see what it was carrying. Case acceptance rose in the mid-sized treatment band where cost was the only objection, and the margin that would have gone to a lender stayed in the business.

Case studies  /  Patient payment plans & financing

Module · Payments

Patient payment plans & financing, built in

Installment plans and financing options embedded directly in the payment flow — more treatment accepted, less revenue left on the table.

Module Payments Installment plans PMS write-back
Client
Dental group with an existing payment flow
Type
Module
Focus
Payments & financing
What we did
Embedded plans, financing options, PMS write-back

The client

A dental group already collecting payments through their existing flow, who saw treatment being declined or deferred whenever a patient faced the full cost up front.

The challenge

Affordability is one of the biggest reasons recommended treatment doesn't get accepted. The group wanted to offer installment plans and financing — but only if it lived inside the payment flow, not as a separate hand-off that staff and patients had to chase.

  • Patients hit the full balance at once, with no easy way to spread the cost at the moment of decision.
  • Any financing option was a separate, manual step outside the checkout, adding friction for the front desk.
  • Whatever was offered had to write back to the PMS, so balances and plans stayed accurate without re-keying.
  • It needed to fit the payment/checkout flow already in place — no rip-and-replace.

What we built

Payment plans and financing embedded directly in the existing payment experience:

  • Installment plans offered inside the payment flow, so patients can spread cost at the moment they decide on treatment.
  • Financing options presented in the same checkout step, rather than as a separate process staff had to manage by hand.
  • Write-back to the practice-management system, keeping balances, plans, and posted payments in sync without manual re-entry.
  • An embedded experience built into the payment/checkout flow the group already used, so nothing about the day-to-day changed except the new options.

We started in Figma, mapped the real checkout and reconciliation flow first, and integrated into the existing system with the team's feedback shaping each iteration.

The results

  • Patients gained a way to say yes to treatment they might otherwise have deferred, right at the point of decision.
  • The front desk could offer plans and financing without leaving the payment flow or running a separate process.
  • Balances and plans stayed accurate in the PMS through automatic write-back, cutting manual reconciliation.
  • Financing became part of the normal checkout rather than an exception requiring extra steps.

Why it worked

The module met patients and staff exactly where the money conversation already happened. By embedding plans and financing in the existing flow and writing results straight back to the PMS, it removed friction instead of adding a new system to manage. Built as an ongoing partnership, around the workflow that was already there.

Want financing built into your payment flow?

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