Unlock a world of healthier possibilities with the Paytient card.
Paytient is a interest-free, fee-free line of credit, offered at no cost to eligible employees in partnership with Garner Health.
Discover the different ways Paytient opens the door to care and split payments to fit your budget.1
On your terms
All the perks. None of the pain.
Big savings
Find out what you could be saving!
Spread your healthcare expenses and stack up savings with the Paytient card’s interest-free payment plans. Take our savings calculator for a spin and see the difference!

Paytient makes this comparison using the following assumptions to calculate savings:
Paytient makes this comparison using the following assumptions to calculate savings:
We assume an average credit card APR of 22.8% based on the CFPB’s latest Credit Card Market Report.
We assume the cardholder pays 2% of the balance or $25.00, whichever is greater per month, and accrues interest until the total balance is repaid.
Refer to your Paytient account to see your credit limit and repayment terms.
Transactions cannot be split into amounts less than $5.00.
Let's get started!
Paytient is available thanks to your employer.
Sign up
Create your account, and your virtual card will be ready instantly.1 Download the Paytient app for easy access to your card information.
Swipe
Use your Paytient card to pay for care.2 To see where you can use Paytient, log in or open the Paytient app.
Pro tip! Find a Top Provider on the Garner Health app and make sure they are added to your list of Approved Providers before your appointment. This should ensure your costs will qualify for reimbursement from Garner.
No worries
Care paid your way.
Turn an unexpected out-of-pocket care expense into a planned, and affordable, repayment option — for free. Finally, health care is back on your terms!
Our Support Team is just a tap away. In-App support is available if you ever have a question, concern, or need to make a change.

Get ready to swipe
Where can I use my Paytient card?
You can create interest-free payment plans for you and your family's medical expenses when you receive care when you pay with Paytient.
Keep your Paytient card in your purse or wallet, and never forget to use it to purchase prescriptions at your favorite pharmacy.
Whether you’re meeting with a therapist online or in-person, you can use Paytient to pay for your visits.