Industry solution
Payment processing and BNPL for Med Spas & Aesthetics
Package pricing that closes at the consult, not "let me think about it"
Apply Now →What payment problem do Med Spas & Aesthetics businesses face?
The payment challenge is specific to the way this business sells, its ticket size, and the review it may receive.
A consult can end with a package price that is larger than a customer's available card limit. When the payment conversation shifts to “think about it” or a later invoice, the consult team's momentum and the package decision can separate.
Aesthetics businesses also need their payment presentation to match the services, package terms, and refund practices shown to the customer. That detail matters when a business is being reviewed for payment processing.
How can Med Spas & Aesthetics 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 $1,500–$25,000 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 Med Spas & Aesthetics 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 Med Spas & Aesthetics 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: $9,000 financed over 24 months at 24% APR: approximately $475.84/month.
Illustrative example. Actual rates and terms vary by provider and applicant and are subject to credit approval.
What compliance context matters for Med Spas & Aesthetics?
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, or outcome claims about any procedure or service. Use clear package, cancellation, and refund disclosures, and obtain advice from qualified counsel or compliance professionals for the business's own practices.
Common Med Spas & Aesthetics payment questions
Direct answers to the questions operators commonly raise before discussing a payment stack.
Why offer payment options at a med spa consult?
A payment stack can give customers additional ways to pay for a package at the point of decision, subject to option availability and credit approval where financing is involved.
Are named financing providers automatically available to med spas?
No. Provider availability depends on the business, its history, ticket size, and underwriting; PayFull can discuss options that may be considered.
Does PayFull make claims about aesthetic services?
No. PayFull discusses payments only and does not evaluate procedures, safety, efficacy, or customer outcomes.
What should a business prepare for underwriting?
Clear service descriptions, customer-facing package terms, refund policies, and a consistent website and checkout experience can help explain the business.
Can a customer be guaranteed financing?
No. Financing is subject to credit approval and provider underwriting.
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.
Set up in days, not months. White-glove onboarding included on every plan.
Talk to us before you commit to anything.