Healthier employees.
Healthier business.

Paytient assumes all the risk for the line of credit given to employees. If an employee leaves, they will no longer be able to make new charges on the card, and we will contact them to figure out the best way for them to continue any outstanding payments outside of payroll deduction.

Paytient Health Payment Accounts supplement and protect existing HSA/FSA funds. We create financial flexibility so members can make the most of their tax-advantaged accounts — by leveraging 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.

The sponsoring organization can offer Paytient Health Payment Accounts that can be used for medical, dental, pharmacy, vision, and/or veterinary expenses at both in-network and out-of-network providers. 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).
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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. 

Nothing. Employers pay a simple subscription to make HPAs available to their employees.

No. Paytient does not check credit or pull credit scores before opening an HPA. We ask employees to self-report income and expenses during onboarding before we extend credit to ensure we lend responsibly and comply with federal and state lending regulations. Some users may not be able to access the service due to regulatory reasons.

Paytient understands circumstances change. Our support team is happy to adjust employees’ payment plans to fit their budgets better. They can do so by reaching out in the app or by emailing hello@paytient.com for assistance.