Pay-Over-Time for Specialty Healthcare
Help customers move forward with care plans and elective services when upfront cost is the barrier — without putting your front desk in the middle.
Reduce awkward payment conversations.
- ✓Fast decisions when timing matters
- ✓Flexible plans for bundled services and follow-ups
- ✓Transparent terms customers can review before they pay
Save on time, fees, and headaches
Lower fees on care revenue
Meaningfully lower processing costs compared to typical online BNPL merchant fees. Keep more of every completed sale.
Instant funding, zero headaches
Get paid when a plan is accepted. No chasing customers. No clunky systems or lengthy applications.
Encrypted, secure transactions
Payments are protected with industry-grade encryption — so your customers can check out with confidence.
Terms customers can trust
Clear pay-over-time options for services insurance doesn't fully cover — sized for real treatment plans.
No website or cart needed
Build a PayBreak catalog instead — share pay links by email or text, or let customers scan a QR code to check out. No e-commerce site required.
Dedicated US-based support
Real humans, fast resolutions. Our team is here for you — onboarding, payouts, and day-to-day merchant questions.
PayBreak saves merchants nearly 50%
PayBreak compared to Klarna and Affirm on base rate, fees, and effective cost.
| Feature |  |  | PayBreak |
|---|---|---|---|
| Base rate | 5.99% | 5.99% | 4.49% |
| Per transaction fee | $0.30 | $0.30 | $0.10 |
| Processing fees | ~2.9% | ~2.9% | Included (all-in) |
| All-in effective rate (on $1,000) | 8.92% | 8.92% | 4.50% |
| Cost on $1,000 sale | $89.20 | $89.20 | $45.00 |
| PayBreak savings vs competitors | Save 49.6% with PayBreakVS Klarna $44.20 per $1,000 | Save 49.6% with PayBreakVS Affirm $44.20 per $1,000 | Lowest cost. All-in pricing. |
Illustrative pricing for demonstration only. Figures represent average standard merchant rates. Actual rates vary by merchant, transaction size, industry, and underwriting. Klarna and Affirm are trademarks of their respective owners. PayBreak is not affiliated with, endorsed by, or sponsored by Klarna or Affirm. This comparison is provided for informational purposes only.
Ready to help more customers start care?
Flexible financing that fits your workflow — with funding when a plan is accepted, not weeks later.
Apply for early access