Pay for care at your own pace. Interest-free, always.

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Paytient App
Paytient App

How it Works

Create Your Account

If your employer offers Paytient as a benefit, you already have an account waiting.


Swipe your Paytient card to pay for care at checkout.


Click the newest transaction that appears on your home screen.


Split your transaction into an easy, payroll-deducted payment plan.

Paytient App

Feel Better. Pay Later.

No Credit Check

Thanks to your employer, signing up for Paytient requires no fees, applications, or credit checks.

Take Back Your Budget

When unexpected out-of-pocket medical expenses pop up, now you have a secret weapon.

Your Care Taken Care of

Use Paytient for medical, dental, vision, pharmacy, mental health, or veterinary* expenses.

We're Here to Support You

You'll have instant access to a friendly Paytient expert via the app or online portal if you need assistance.

*Please note that merchants self-select the category in which transactions will be listed and some merchants may be owned by other companies, therefore the transactions may not be categorized as a medical expense as you might expect.

Keep Paytient in your pocket for perfectly planned payments

Download the Paytient app to have instant access to your transactions, virtual card, and support when you need it!


Add your card to your virtual wallet


Be alerted when your card is used


Never forget your card again

Paying for care made healthier

No interest, no fees, no credit checks - No, really! See why 99% of Paytient users use us over and over again.

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Jennifer B.

5 Stars

Paytient has been great to use. Especially being able to use my paycheck to pay off my bills.


Ron G.

5 Stars

Having Paytient has been amazing. It has made it where I am able to get my medications and pay for doctor visits in between pay days.


Liza T.

5 Stars

Gave me peace of mind that the bills are paid on time. Thanks!


Emily K.

5 Stars

Love the app!!! Very nice to have and very easy to use! It really helps when you have a big medical expense you do not want to spend that lump sum of money and this gives you that option to make those payments interest-free!


Sandra B.

5 Stars

It was so easy to pay my bill and then set up a payment plan. I love how the first payment isn't due today! It makes things so easy!


JacQuitta D.

5 Stars

Can set how many payments I want to make through my payroll deduction.

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Still have questions? We've got the answers.

Where Can I Use Paytient?*

Your Paytient card can be used at any doctor's office, hospital, dentist, eye doctor, veterinarian*, mental health provider or pharmacy that accepts VISA! Select employees are not eligible to use Paytient at the vet. If you are not sure if you qualify, please reach out to our support team.

Can I use Paytient to pay for previous medical bills?

If the bill is still being pursued by the provider, we will allow payment but if it returns a different MID code then we won't allow (general debt collector). We will rely on system controls around MID provider codes.

How do I use the Virtual Paytient Card?

To view your virtual card number, click the purple card in the Paytient app and your card number will appear on your screen. You can add this number to your smartphone's digital wallet or show the card for the doctor or pharmacy to type into their payment system.

When do I get a Physical Paytient Card?

Your physical card will arrive at the address on file with your employer within 7-10 business days after you have accessed your account. In the meantime, your virtual card can be accessed immediately within your mobile app or online web portal. You also have the ability to add this card to your smartphone's digital wallet for use at medical facilities and pharmacies that accept digital forms of payment (i.e. Apple Pay, Samsung Pay).

How do I activate my Paytient card?

Once your physical card arrives, you'll text the last four digits of your card number to (573) 269-3836 to activate it! You can also activate your Paytient card by clicking on the white Paytient card on your mobile app's home screen.

How is Paytient different than my HSA/FSA?

Unlike a Health Savings Account or a Flex Savings Account where you can save money from each paycheck over time to spend on care. With Paytient, the funds are ready for you to use today; and then you pay that amount back over time up to twelve months via Payroll Deduction. Paytient doesn't replace your HSA or FSA; it is more about having an extra tool to use when it comes to paying for you and your family's care.

Can I pay my Paytient balance with my HSA/FSA card?

Yes! Although Payroll Deduction is the primary payment method, you can choose to pay off any open transaction in full using funds from your HSA or FSA card. You can do this by adding your preferred payment card as a payment method within the mobile app or online portal. Be sure to double check that the transaction you are wanting to pay off is a qualifying HSA/FSA expense.