Industry solution
Payment processing and BNPL for Cosmetic & Plastic Surgery
Elective procedures, financed at the price they actually cost
Apply Now →What payment problem do Cosmetic & Plastic Surgery businesses face?
The payment challenge is specific to the way this business sells, its ticket size, and the review it may receive.
A surgical practice may collect a substantial deposit before a scheduled procedure and a remaining balance on a different date. That split timing makes it important for the payment flow, patient-facing agreement, cancellation policy, and refund handling to describe the same transaction.
At a $5,000–$50,000 ticket, a single card can be insufficient even when the customer is ready to complete the financial portion of the transaction. Payment processing for this category can also receive careful underwriting review because of its health-adjacent classification.
How can Cosmetic & Plastic Surgery businesses make checkout more flexible?
PayFull brings payment paths and operational context together, subject to the business and underwriting.
More ways to pay
Present appropriate card, wallet, bank-payment, and financing paths in one checkout.
A stack built around the ticket
Match the payment conversation to a typical $5,000–$50,000 purchase without promising a particular option.
A conversation before assumptions
Review the business, customer journey, and payment needs before discussing what may be available.
Which financing options are typically considered at this ticket size?
These are options typically considered at this ticket size, not a statement of provider availability. Availability depends on the business, its history, and underwriting; financing is subject to credit approval.
Affirm
A potential checkout option to discuss for this ticket range. Affirm availability for Cosmetic & Plastic Surgery depends on the business, its history, and underwriting.
View Affirm details →SplitIt
A potential checkout option to discuss for this ticket range. SplitIt availability for Cosmetic & Plastic Surgery depends on the business, its history, and underwriting.
View SplitIt details →What could a typical payment illustration look like?
This example shows the math for a hypothetical purchase, not an offer from a named provider.
Assumption: $5,000 financed over 24 months at 24% APR: approximately $264.36/month.
Illustrative example. Actual rates and terms vary by provider and applicant and are subject to credit approval.
What compliance context matters for Cosmetic & Plastic Surgery?
Payment processing should fit the business’s customer-facing practices and its own obligations.
PayFull provides payment services only and makes no medical, safety, efficacy, suitability, or outcome claims about procedures or services. This information is not legal advice; businesses should have their own patient-facing payment, cancellation, refund, privacy, and advertising practices reviewed as appropriate.
Common Cosmetic & Plastic Surgery payment questions
Direct answers to the questions operators commonly raise before discussing a payment stack.
Why does split deposit and balance collection matter?
The payment flow should remain consistent with the customer-facing agreement, including how deposits, later balances, cancellations, and refunds are handled.
Does PayFull make claims about procedures?
No. PayFull provides payment services only and does not evaluate procedures, safety, efficacy, suitability, or outcomes.
Are financing providers automatically available to a practice?
No. Availability depends on the business, its history, ticket size, and underwriting; financing is subject to credit approval.
What may an underwriter review?
Review may include the website, service descriptions, customer agreements, deposit practices, cancellation policy, and refund terms.
Can a customer be promised financing?
No. Financing decisions are made under the relevant provider's underwriting and are subject to credit approval.
Related industries
Explore payment considerations for adjacent high-ticket businesses.
Med Spas & Aesthetics
Package pricing that closes at the consult, not "let me think about it"
Explore industry →Financing disclosures
- All financing is subject to credit approval. Ranges shown are typical; every provider sets limits per customer and per merchant, and approved amounts, terms, and rates vary by applicant.
- Availability of any given provider depends on your industry, ticket size, and underwriting outcome. Not every provider is available to every merchant.
- PayFull is not a lender or a bank. Loans and financing are originated by the lending partners named above.
- Originating lenders: Affirm: Affirm's lending partners; Cross River Bank, Sutton Bank, or Celtic Bank.
- SplitIt is not a loan and not a BNPL product in the lending sense. It places an authorization hold against the available credit on the customer's existing credit card and charges installments to that card over time. That's why there's no application, no credit check, and no interest — but it also means the customer needs enough available credit to cover the entire purchase at checkout, the merchant is funded per installment rather than upfront, and chargebacks work like any normal card transaction. Debit cards and prepaid cards are not supported. Visa and Mastercard are accepted; Amex, Discover, and UnionPay depend on the merchant.
Start accepting payments the way your business actually sells.
Set up in days, not months. White-glove onboarding included on every plan.
Talk to us before you commit to anything.