Healthcare payment solutions

Transform your practice with flexible payment options that make healthcare more accessible. Splitit’s card-linked installment platform allows patients to pay for treatments using their existing credit card without new loans, credit checks, or added debt.

How healthcare payment plans work with Splitit

Splitit’s medical payment solution uses your customers’ existing credit card to enable them to split the cost of their purchase into smaller payments. Splitit’s frictionless solution is embedded in the merchant checkout and requires no applications, credit checks or underwriting.

Your customers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud.

Medical payment authorization

Splitit authorizes the full amount of the purchase on the shopper’s existing credit card and temporarily reserves the balance from their credit card.

The patient will need the full purchase amount available as credit on their credit card on the day of purchase.

Healthcare installment plan management

The first installment is charged a few seconds after the purchase authorization or beginning of treatment.

Splitit will charge the patient’s credit card every month until the plan is finished.

How healthcare payment plans work with Splitit

Splitit’s medical payment solution uses your customers’ existing credit card to enable them to split the cost of their purchase into smaller payments. Splitit’s frictionless solution is embedded in the merchant checkout and requires no applications, credit checks or underwriting.

Your customers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud.

Medical payment authorization

Splitit authorizes the full amount of the purchase on the shopper’s existing credit card and temporarily reserves the balance from their credit card.

The patient will need the full purchase amount available as credit on their credit card on the day of purchase.

Healthcare installment plan management

The first installment is charged a few seconds after the purchase authorization or beginning of treatment.

Splitit will charge the patient’s credit card every month until the plan is finished.

Benefits for healthcare providers

Flexible patient payment solutions

Splitit offers hassle-free installment payment options, allowing your patients to pay over time without the need for credit checks, additional loans, or interest charges.

Enhanced cash flow for medical practices

Experience improved cash flow with predictable, on-time payments. Say goodbye to late or missed payments and enjoy financial stability.

Zero financial risk for healthcare providers

With Splitit, there’s no financial risk. Your clinic can benefit from our service without any cost or obligation, and patients won’t incur additional fees.

Security and compliance

Rest easy knowing that Splitit adheres to strict security and compliance standards, ensuring the safety of sensitive patient payment data.

Personalized support

Our dedicated team is here to support you every step of the way, from onboarding to implementation to ongoing maintenance, providing a level of service that matches your clinic’s commitment to healthcare excellence.

Specialized healthcare payment solutions by industry

Dental payment plans & orthodontic financing

Perfect for dental practices offering expensive treatments like implants, orthodontics, and cosmetic dentistry. Our dental payment solutions help patients afford:

  • Dental implants and oral surgery
  • Orthodontic treatments and braces
  • Cosmetic dentistry procedures
  • Periodontal therapy
  • Full mouth reconstructions
Find out more

Cosmetic surgery payment plans

Enable patients to access cosmetic procedures with flexible payment options. Our cosmetic surgery financing alternative supports:

  • Plastic and reconstructive surgery
  • Non-invasive cosmetic treatments
  • Dermatological procedures
  • Medical aesthetics services
  • Wellness and anti-aging treatments
Get in touch

Medical device & equipment financing

Help patients afford essential medical equipment and devices:

  • CPAP machines and sleep therapy equipment
  • Mobility aids and medical devices
  • Home healthcare equipment
  • Specialized medical supplies
Get in touch

Vision care & eye surgery payment plans

Make life-changing eye care more accessible — with no loans, credit checks, or interest, patients can move forward with:

  • LASIK and refractive surgery
  • Specialty contact lenses and eyewear
  • Comprehensive eye exams and diagnostics
Get in touch

Specialized healthcare payment solutions by industry

Perfect for dental practices offering expensive treatments like implants, orthodontics, and cosmetic dentistry. Our dental payment solutions help patients afford:

  • Dental implants and oral surgery
  • Orthodontic treatments and braces
  • Cosmetic dentistry procedures
  • Periodontal therapy
  • Full mouth reconstructions
Find out more

Enable patients to access cosmetic procedures with flexible payment options. Our cosmetic surgery financing alternative supports:

  • Plastic and reconstructive surgery
  • Non-invasive cosmetic treatments
  • Dermatological procedures
  • Medical aesthetics services
  • Wellness and anti-aging treatments
Get in touch

Help patients afford essential medical equipment and devices:

  • CPAP machines and sleep therapy equipment
  • Mobility aids and medical devices
  • Home healthcare equipment
  • Specialized medical supplies
Get in touch

Make life-changing eye care more accessible — with no loans, credit checks, or interest, patients can move forward with:

  • LASIK and refractive surgery
  • Specialty contact lenses and eyewear
  • Comprehensive eye exams and diagnostics
Get in touch
Real Businesses. Real Stories.

Don’t just take our word for it.

Splitit has helped thousands of businesses around the world to offer flexible pay-over-time options to their customers, using their existing credit card, in a more responsible way.

Dr Irfana Koita, FRCOG

“When it comes to fertility, timing is everything, so instead of worrying about how [our clients] are going to source the funds, they’re able to make a purchase, carry on, and not feel the pressure.”

Dr Irfana Koita, FRCOG Director of IVF Matters
View success story
Neha Raghava

“Splitit allows our optics and other cutting-edge products to reach thousands more customers both in the UK and the rest of the world”

Neha Raghava Group Head of Innovation, Engagement & E-Commerce at Bryant Dental
View success story
Daniel Frazer

“Splitit allows us to reach customers who would otherwise be unable to purchase and attain a sleep solution for their child.”

Daniel Frazer Batelle CFO
View success story
Manny Rubianes

“Our customers historically have been overlooked by traditional orthodontia. This is a sizeable investment for them. Once they understand how Splitit works, they think ‘oh this totally makes sense – why wouldn’t I do this?”

Manny Rubianes Sales Director at Byte
View success story
Benjamin Kumalić

“To describe Splitit in one word, I would say ‘simplicity’. It is impossible to drop your conversion rate because of Splitit. You can only increase it. It’s 3 clicks until purchase! Simple and frictionless.”

Benjamin Kumalić CMO at Omnipemf
View success story

Latest healthcare insights

Explore expert perspectives on flexible payment solutions in healthcare and beyond, helping your practice grow while supporting patients’ needs.

The Pay Later Ecosystem Report: Consumers Will Let AI Recommend Pay Later

The Pay Later Ecosystem Report: Consumers Will Let AI Recommend Pay Later

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CareCredit vs Splitit: Which Payment Solution Is Right for Your Practice?

CareCredit vs Splitit: Which Payment Solution Is Right for Your Practice?

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Payment risk explained: why card-linked installments mean you always get paid

Payment risk explained: why card-linked installments mean you always get paid

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Making cosmetic dentistry more accessible: How payment plans boost dental treatments

Making cosmetic dentistry more accessible: How payment plans boost dental treatments

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Why vets should offer flexible payment plans alongside pet insurance

Why vets should offer flexible payment plans alongside pet insurance

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How Payment Stress Affects Patient Outcomes

How Payment Stress Affects Patient Outcomes

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Overcoming the Dental Affordability Crisis

Overcoming the Dental Affordability Crisis

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Boosting Patient Acquisition: How Installment Payments Can Attract More Patients

Boosting Patient Acquisition: How Installment Payments Can Attract More Patients

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Save Money While Improving Patient Experiences with Dental Collection Agency Alternatives

Save Money While Improving Patient Experiences with Dental Collection Agency Alternatives

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Frequently Asked Questions

Splitit authorizes the full treatment amount on the patient’s credit card, then charges monthly installments. No new loans or credit applications are required.

Our healthcare payment solutions work for dental treatments, cosmetic surgery, medical devices, vision care, and most medical procedures over $1,000.

No. Splitit requires no credit checks – patients simply need available credit on their existing card equal to the treatment cost.

Healthcare providers receive payment within a few days of the transaction, while patients pay over time.

Because Splitit authorizes the full treatment amount on the patient’s existing credit card, payment to your practice is guaranteed. There are no loans, underwriting, or delayed approvals — just fast, predictable payments to keep your cash flow steady and your focus on patient care.

Splitit achieves approval rates exceeding 85%, as it enables patients to use their existing credit cards without the need for new loans or credit checks. In contrast, traditional medical financing approval rates can vary significantly, often depending on the lender’s criteria and the patient’s credit profile.

Yes. Splitit integrates with most healthcare practice management systems and offers flexible API integration options.

Splitit can complement your existing options by offering a way for patients to pay in installments using their existing credit, with significantly higher approval rates.

Splitit does not collect or store medical data, so HIPAA compliance doesn’t apply. We are a PCI DSS Level 1 certified processor – the highest standard for payment security.

Refunds are processed through your normal policy. If the transaction used Splitit, you can issue the refund via your platform or directly in the Splitit Merchant Portal. We’ll automatically adjust the customer’s installment plan.

Maximize conversions with premium payment processing

See for yourself how Splitit can enhance the customer experience for luxury goods. Reach out for a friendly, no-obligations chat!