Industry solution
Payment processing and BNPL for Telehealth
Get patients financed for programs insurance won't cover
Apply Now →What payment problem do Telehealth businesses face?
The payment challenge is specific to the way this business sells, its ticket size, and the review it may receive.
A patient may be considering a multi-month program after an FSA balance is spent, insurance does not cover the purchase, or the available card limit falls short. Breaking a payment decision into a separate invoice can add friction at the moment the practice is trying to collect.
Telehealth can also be grouped with pharmacy or other health-related MCCs in provider rules. That makes a payment setup and its underwriting context especially important, even when the business is only seeking a way to collect for its services.
How can Telehealth 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 $500–$15,000 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 Telehealth depends on the business, its history, and underwriting.
View Affirm details →Klarna
A potential checkout option to discuss for this ticket range. Klarna availability for Telehealth depends on the business, its history, and underwriting.
View Klarna details →SplitIt
A potential checkout option to discuss for this ticket range. SplitIt availability for Telehealth 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: $6,000 financed over 24 months at 24% APR: approximately $317.23/month.
Illustrative example. Actual rates and terms vary by provider and applicant and are subject to credit approval.
What compliance context matters for Telehealth?
Payment processing should fit the business’s customer-facing practices and its own obligations.
PayFull describes payment services only and does not assess, endorse, or make claims about any care, medication, or outcome. Keep payment flows separate from protected health information where appropriate, and have privacy, consent, and advertising practices reviewed for the business's own obligations.
Common Telehealth payment questions
Direct answers to the questions operators commonly raise before discussing a payment stack.
Can telehealth businesses offer financing at checkout?
Some payment and financing paths may be considered, depending on the business, its history, ticket size, and underwriting. Availability is not guaranteed.
Does PayFull review treatment or medical outcomes?
No. PayFull's role is payment services; it does not evaluate care, treatment, medication, or patient outcomes.
Why can health-related MCCs need extra review?
Provider rules can classify telehealth alongside other health-related categories, so underwriting may require a clearer view of the business and its customer journey.
Can patients see more than one way to pay?
A checkout may present payment methods appropriate to the transaction and the options available, with any financing subject to credit approval.
Is patient approval guaranteed?
No. Any financing decision is made under the relevant provider's underwriting and is subject to credit approval.
Related industries
Explore payment considerations for adjacent high-ticket businesses.
Med Spas & Aesthetics
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Explore industry →Mental Health & Recovery
Intensive outpatient and recovery programs, made affordable
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; Klarna: WebBank, Member FDIC.
- 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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