Industry solution
Payment processing and BNPL for Dental & Orthodontics
Financing for the treatment plan, not just the cleaning
Apply Now →What payment problem do Dental & Orthodontics businesses face?
The payment challenge is specific to the way this business sells, its ticket size, and the review it may receive.
Dental and orthodontic offices often present a multi-visit treatment-plan total after a consultation, while the customer is comparing that total with a single available card limit. Moving the balance to a later invoice can separate the financial decision from the office visit.
For payment underwriting, the business's treatment-plan presentation, deposits, cancellation terms, and refund practices need to match what customers see at checkout. The payment question is about collecting for the office's services, not evaluating any dental care.
How can Dental & Orthodontics 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 $2,000–$30,000 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 Dental & Orthodontics 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 Dental & Orthodontics 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: $2,000 financed over 24 months at 24% APR: approximately $105.74/month.
Illustrative example. Actual rates and terms vary by provider and applicant and are subject to credit approval.
What compliance context matters for Dental & Orthodontics?
Payment processing should fit the business’s customer-facing practices and its own obligations.
PayFull provides payment services only and does not assess, endorse, or make claims about dental services, treatment, safety, suitability, or outcomes. This information is not legal advice; businesses should obtain advice about their own privacy, consent, advertising, and consumer-disclosure practices.
Common Dental & Orthodontics payment questions
Direct answers to the questions operators commonly raise before discussing a payment stack.
Why can a treatment-plan total create a checkout issue?
The total may be larger than a customer's available card limit, particularly when payment is discussed at the end of an office visit.
Does PayFull evaluate dental services?
No. PayFull discusses payment services only and does not evaluate dental services, treatment, safety, suitability, or outcomes.
Can every dental office use the same financing option?
No. Options may be considered based on the business, its history, ticket size, and underwriting. Financing is subject to credit approval.
What can underwriting review for an office?
Underwriters may review customer-facing service descriptions, payment terms, deposits, cancellation policies, and refund practices.
Is customer financing guaranteed?
No. Any financing decision is subject to credit approval and the relevant provider's underwriting.
Related industries
Explore payment considerations for adjacent high-ticket businesses.
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Explore industry →Veterinary
Emergency and specialty care, financed at the counter
Coming soonFinancing 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.
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