MedPay brings simple patient financing to the point of care, so cost is less of a barrier to the treatment they need. One application, routed to a panel of lenders. Your patient sees pre-qualified offers side-by-side.1
Pre-qualification uses a soft credit check. No impact on your patient's score.1
Say yes to the care you need.
MedPay is the routing layer between your front desk and a panel of patient-financing lenders. Every credit decision belongs to a lender. Every disclosure happens on the lender's surface.
Your front desk sends a link or hands over a tablet. The patient pre-qualifies in under a minute with a soft credit check. No impact on their score.1
A single application goes to the MedPay lender panel. Each lender underwrites on its own criteria. Decision typically under 2 minutes during business hours.2
Pre-qualified offers appear side-by-side. Your patient accepts on the lender's own application with full disclosures. Treatment moves forward.
Patient pre-qualification with a soft credit check1
Typical application-to-decision time2
Most setups live within 5 business days3
More patients say yes to recommended treatment without your front desk becoming financing experts.
Your provider has invited you to apply. See where you stand before you decide anything.
Priority verticals where treatment plans meet real financing decisions. If the owner still knows every plan that walks out unfunded, MedPay was built for you.
Every surface honors the rules that govern consumer credit. That is the point of MedPay.
Pre-qualification runs on soft credit inquiries under FCRA. Hard pulls happen only on the lender's own surface after explicit patient consent.
APR and payment schedules are presented in the lender's Truth in Lending disclosure. We never paraphrase credit terms on our own screens.
We never store patient PHI. Applications capture financial and identity data. Clinical records stay in your practice management system.
No. MedPay is not a lender and does not make credit decisions. We route a single application to a panel of patient-financing lenders. Each lender underwrites on its own criteria and presents its own offer with full disclosures.
No. Pre-qualification uses a soft credit check with no impact on the patient's score. A hard inquiry can only happen later on the lender's own application and only with the patient's explicit consent.
No. We never store patient PHI. The application captures financial and identity data only. Clinical information stays in your practice management system and is never part of the financing pipeline.
One integration with your front desk. Most setups go live within 5 business days and front-desk training takes about 30 minutes. There is no rip-and-replace of your practice management system.