Industry solution
Payment processing and BNPL for Fertility & IVF
Cycle-based financing for treatments insurance rarely covers
Apply Now →What payment problem do Fertility & IVF businesses face?
The payment challenge is specific to the way this business sells, its ticket size, and the review it may receive.
Fertility and IVF businesses can bill around a sequence of appointments, laboratory-related charges, and cycle-specific dates rather than one simple retail checkout. The payment system needs to support the business's actual collection schedule and customer-facing financial terms without turning clinical details into payment data.
These transactions are health-adjacent and high ticket, so the business may need a clear underwriting file that explains its services, billing practices, privacy boundaries, and refund policies.
How can Fertility & IVF 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 $12,000–$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 Fertility & IVF 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 Fertility & IVF 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: $12,000 financed over 24 months at 24% APR: approximately $634.45/month.
Illustrative example. Actual rates and terms vary by provider and applicant and are subject to credit approval.
What compliance context matters for Fertility & IVF?
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 medical, safety, efficacy, suitability, or outcome claims about fertility, IVF, or any related service. This information is not legal advice; businesses should obtain advice about their own privacy, consent, billing, advertising, and consumer-disclosure practices.
Common Fertility & IVF payment questions
Direct answers to the questions operators commonly raise before discussing a payment stack.
Why can cycle-based billing need a tailored payment flow?
Collection can occur across dates rather than at one retail checkout, so customer-facing payment terms should match the business's actual billing schedule.
Does PayFull evaluate fertility or IVF services?
No. PayFull provides payment services only and does not evaluate services, safety, efficacy, suitability, or outcomes.
Should clinical details be used for payment processing?
Payment flows should be designed around the transaction and the business's own privacy obligations, not around unnecessary clinical details.
Are financing options guaranteed for this category?
No. Availability depends on the business, its history, ticket size, and underwriting; financing is subject to credit approval.
What may underwriting review?
Underwriters may review the business's website, service descriptions, billing practices, customer-facing terms, and refund policy.
Related industries
Explore payment considerations for adjacent high-ticket businesses.
Cosmetic & Plastic Surgery
Elective procedures, financed at the price they actually cost
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.
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