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.