Give your employees an easier way to pay for healthcare.
Pay over time. No interest. No fees.
Join employers nationwide who partner with Paytient to help reduce employee financial stress by removing their #1 barrier: out-of-pocket costs.
Trusted by 6,000+ employer health plans and 23M+ members
The real healthcare challenge your employees face.
Your healthcare benefits feel great during open enrollment. But the moment an employee needs care, they face a decision no one should have to make: choosing between their physical or financial well-being.
Employees can’t afford to use the benefits you’re investing in.
38%
of employer-insured individuals are avoiding care because of cost.
(Medical Economics, 2025)
As a result, they delay care, and your costs compound.
41%
higher costs than their planned benefits cost.
(Based on data from Peterson-KFF, 2024)
Paytient makes it easier to afford healthcare.
Paytient removes financial barriers to care. Employees use an interest-free, fee-free card to cover upfront healthcare costs and pay over time—helping them get healthy faster.
Coverage across:
Medical
Dental
Vision
Pharmacy
Veterinary
Benefits include:
No interest, no fees
Flexible repayment terms
Access to lower cost prescription medications
501(r) hospital bill and claims reviews to determine costs savings opportunities
Employees sign up in minutes to start using Paytient:
No credit check required
Quick financial wellness check for regulatory compliance
Immediate approval
How Paytient works.
Employees use their Paytient card at any healthcare service or store where Visa® is accepted.
Step 1
Employee gets care.
Step 2
Employee swipes Paytient card or taps wallet.
Step 3
Employee chooses a repayment plan to fit their budget.
Find your plan and price.
Paytient pricing is straightforward: you pay a monthly fee per eligible employee, and your team gets instant access and can use funds immediately.
For businesses with up to 249 employees
Essential
Support employees even when budgets are tight with $500 in purchasing power1.
Number of employees
200
Cost per employee
$6/mo
Platform fee
$100/mo
Your plan:
$1,300/mo
For businesses with up to 249 employees
Plus
Efficiently expand your team’s safety net with $1,000 in purchasing power1.
Number of employees
200
Cost per employee
$8/mo
Platform fee
$100/mo
Your plan:
$1,700/mo
Enterprise
Customize an ROI-boosting plan for teams of 250+ employees.
Customized purchasing power
Connect with our sales team. We’ll tailor your plan and pricing to fit your needs.
All Paytient plans come with:
Coverage across medical, dental, vision, pharmacy, and veterinary care.
Interest-free credit.
No fees or credit check.
Flexible repayment terms up to 12 months.
Employers are not responsible for unpaid balances.
Paytient improves the health of your employees — and your bottom line. No more trade-offs.
You offer Paytient so your team can access and afford care.
80% of members got care they would have skipped or delayed.
Employees choose lower cost plans and seek earlier care.
34% of members switched or are willing to switch to a lower cost plan.
Productivity and retention rise as employees thrive.
71% of members say Paytient makes them more likely to stay with their employer.
Everyone saves as premiums, claims, and crisis care decrease.
5-10x ROI can be generated from compounding benefits of this small investment.
Hear from our clients.
“One of the things that I set out to do is always lead with integrity. I think about how we are treating the people that we ask to come to work every day. Being able to take a step in this direction with the benefits package we're providing our employees allows me to say, ‘I did this, I made this choice.’”
“I think Paytient can work for any industry at any level. It has financially changed how some people think about their medical care and if a district is thinking about it, I would say, ‘Do it. It's incredible.’”
“Through Paytient’s insights, we were able to see that a lot of people used the Paytient card for dental expenses. It helped us realize we needed to improve the dental benefits we offered to our employees.”
0+Employers & Health Plans
0%Employee Satisfaction
0+Net Promoter Score (NPS)
☆0/5on TrustPilot w/5k+ reviews
FAQs
Get answers to common (but key) questions about Paytient.
What is “purchasing power”?
“Purchasing power" is the amount of funds Paytient members can use to cover the cost of care. Members pay down their balances on the schedule they choose, without interest, fees, or any impact to credit scores.
Can I change my plan after activating Paytient and onboarding my employees?
For Essential and Plus plans, you can easily change your plan in the same online Paytient Operations Portal where you activated and manage your plan. For Enterprise plans, Paytient’s sales team will provide hands-on technical help to quickly implement any updates.
I'm interested in a white label solution—where do I sign up?
Plans and pricing on this page apply to Paytient-branded solutions. For white label options, or to leverage and integrate Paytient capabilities within your own proprietary, branded systems, please contact sales.
How will I know if the CSV I'm uploading will populate correctly?
To seamlessly upload the employees that will be eligible for your Paytient plan, please be sure your CSV includes the following required fields: ID, First Name, Last Name, Birthdate, Address 1, City, State, ZIP code, Email Address, Phone Number, SSN, Payroll Schedule.
Optional CSV fields include: Address 2, Department, Position, Payroll Company ID, Allowance, Gender, Plan Name, Salary.
Are there guides on how to promote Paytient to my employees?
Yes, our digital toolkit includes all the materials you need to spread the word to employees–get ready-to-go emails, posters, employee FAQs, and more. The Paytient support team is also here to help.
What should I do if an employee is not making their planned payments?
While your dashboard allows you to see employee healthcare expenses and amounts and when/if employees make payments, you are not responsible for employees’ unpaid balances or delinquent accounts.
Why would I choose Paytient over other options in the market?
Paytient gives people the power to say “yes” to the care they need or want—with confidence, and without delay or worry. While seamless to implement, Paytient is a platform, not just a card. Every tap not only unlocks care, but generates data that can be leveraged to continuously improve benefits and outcomes. Employers and employees consistently report excellent experiences with Paytient, as reflected in our net promoter score and thousands of five-star reviews on TrustPilot. And with Paytient, everyone in the healthcare system benefits—the result is proactive care, paid providers, smarter plan spend, lower costs, and healthier members. We’re building the Better Care Economy, and you can be part of it.
Can my employees use Paytient with an HSA or FSA?
Paytient Health Payment Accounts (HPAs) supplement and protect existing HSA/FSA funds. Paytient ensures financial flexibility by allowing members to make the most of their tax-advantaged accounts. Members can leverage their HPA to afford care in excess of their FSA funds, to pay for care before they have accrued sufficient HSA balances, and to avoid spending down their HSA funds. An HPA also addresses care costs not covered by FSA or HSAs.
Where can my employees use Paytient?
You can offer Paytient Health Payment Accounts (HPAs) that can be used to cover medical, dental, vision, pharmacy, and/or veterinary expenses at both in-network and out-of-network providers. Paytient HPA cards work at any provider that accepts Visa as long as the merchant’s MCC code is in a covered category (e.g., medical, dental).
Rarely, a provider might be owned by another company with a different MCC code that isn’t included in the program. In those cases, employees can reach out to our customer support team for help.
How much does this cost my employees?
Nothing. Employers pay a simple subscription to make HPAs available to their employees.
Make it easier to pay for, and save on healthcare.
Paytient makes it easy for your team to afford healthcare, without financial stress.