Flywire is a patient payment platform for U.S. hospitals and health systems.
It combines patient billing, personalized payment plans, and non-recourse financing with certified integrations for Epic and Oracle Health, and evaluates each patient’s financial situation to determine the right payment pathway.
THE PROBLEM
Patients dread the bill. Surprise and confusion drive disengagement.
Flywire’s 2024 national patient survey, Is Paying for Healthcare Consumer-Friendly Yet?, found a widening gap between patient financial reality and how providers bill.
Patients aren’t unwilling to pay - they’re overwhelmed, confused, and often blindsided.
Unexpected balance amounts, fragmented statements across service lines, and a lack of flexible options cause patients to disengage entirely, driving bad debt and administrative burden.
- 60% of patients cannot afford to pay for an unexpected illness or injury in one lump sum.2
- 75% say medical bills are too complicated — up from 65% in 2021.2
- 80% want the ability to pay medical bills in installments or as part of a payment plan.2
The problem isn’t motivation - it’s the system. Flywire is built to fix it.
THE PLATFORM
Flywire is payment infrastructure and software that spans the full patient financial journey - from pre-service eligibility through post-service collections - integrating directly into the workflows revenue cycle teams already use.
The patient is engaged before the bill arrives
Pre-service outreach sets payment expectations early, reducing surprise and no-shows. Patients understand their estimated responsibility before they arrive.
The patient chooses how to pay
Online, in person, or over the phone, patients select from credit, ACH, and digital wallets including Apple Pay and Google Pay.
Flywire serves the right payment experience
Based on each patient’s capacity to pay, Flywire presents pay-in-full, a provider-funded payment plan, or a non-recourse financed plan that extends beyond the standard 12 months - matching options to realistic ability to complete.
The platform handles operations and compliance
Flywire manages KYC, HIPAA-compliant data handling, PCI-validated processing, reconciliation, disputes, chargebacks, and patient support behind the scenes.
Payments post to your system of record in real time
Revenue cycle teams get faster payment cycles, funding for financed plans, real-time posting to the EHR, and a complete audit trail - without added manual steps.
PLATFORM CAPABILITIES
What's built in
One platform, organized around the three things that matter:
Patient Financial Experience | Revenue Cycle & Payment Services | IT & Infrastructure |
|---|---|---|
Affordability Suite | Payment Services Platform | Compliance and Certifications
|
INTEGRATIONS
EHR Integrations
Flywire holds certified integrations with Epic, Oracle Health, and other leading EHR platforms. These certifications - built through years of investment in intricate pre-service, point-of-service, and post-service workflow integrations - represent a meaningful barrier to entry that keeps most payment providers out of this market.
Epic
Flywire maintains five Epic-specific integrations in the Epic App Orchard (formerly Showroom) and Epic Toolbox:
- Single sign-on (SSO) for patients inside MyChart
- Single sign-on for staff inside Resolute, with real-time payment posting
- Native EMV device pairing via Epic Toolbox — Hyperspace, Welcome, and Willow
- Secure Checkout for integrated payment capture
- Real-time data exchange across pre-service, point-of-service, and post-service workflows
Endeavor Health, which runs on Epic across a multi-hospital, multi-site footprint, has deployed Flywire’s pre-service, point-of-service, and post-service patient payment workflows deeply integrated with Epic across each of its distinct billing environments.
Oracle Health (formerly Cerner)
- Consumer-focused payment experience built directly into core administrative infrastructure
- Model workflows for modernized revenue cycle operations
- Real-time payment posting and standardized data exchange
- Simplified bill presentation that accelerates funding
LifeBridge Health, an Oracle Health client, reduced bad debt expense by 19.6% - approximately $10M annually - and generated $7M+ in new digital patient payments using Flywire.4
Outcomes You Can Verify
From the Forrester Total Economic Impact™ study, 20221
What Clients Say
Data drives how we come up with payment plans and include patients' history and their propensity to pay. We try to make it very personal to the individual patient.
Endeavor Health saved 25,500 staff hours in 12 months and reached 91% patient payment self-service with Flywire.³
![Endeavor Health logo]()
Automatically offering tailored payment plan terms makes our operations more efficient and allows patients to roll multiple balances into their current payment plan without uncomfortable and time-consuming calls. Flywire's P2PE solution is a critical component in securely capturing card data across our organization.
Rush Copley Medical Center uses Flywire's P2PE (point-to-point encryption) solution and self-service payment plans across its organization.
![Rush copley medical center logo]()
Transform your patient payment experience
Healthcare Payments Solution FAQs
Is Flywire for patient payments, provider-to-provider payments, or both?
Patient payments. Flywire's healthcare solution focuses on the patient financial experience — helping providers collect more, faster, while reducing the burden on billing staff. It handles pre-service and post-service payments and payment plans, with integrated, non-recourse financing available.
How does Flywire decide what payment options to offer each patient?
Flywire evaluates each patient's financial situation to assess their capacity to pay, then automatically presents a personalized set of options — pay in full, installment plans with flexible terms, auto-debit, prompt-pay discounts, or non-recourse interest-free financing. Patients are never shown a one-size-fits-all bill.
Does Flywire integrate with Epic and other EHR systems?
Yes. Flywire integrates natively with Epic - including single sign-on inside MyChart for patients and Resolute for staff, real-time payment posting, and EMV device pairing through Epic Toolbox - and with Oracle Health (formerly Cerner), where the payment experience is built directly into core administrative infrastructure. Integrations work without separate logins or parallel workflows.
How much staff involvement is required once Flywire is live?
Significantly less than traditional billing. Flywire's engagement platform handles payment reminders, plan enrollment, and follow-ups automatically. In Forrester's Total Economic Impact™ analysis, organizations using Flywire reduced staff involvement in patient billing by 30%,¹ and Endeavor Health reached 91% patient payment self-service.³
What does capacity-to-pay mean?
Capacity-to-pay is the model Flywire uses to estimate which payment options a patient is most likely to complete. It evaluates each patient's financial situation and automatically presents matching options - from paying in full to an installment plan or interest-free financing - instead of a one-size-fits-all bill.
What is Flywire's Integrated Financing, and what does "non-recourse" mean?
Integrated Financing is Flywire's financed payment plan option for balances that need longer terms - non-recourse and interest-free, with no hidden fees, extending beyond the standard 12 months. Non-recourse means your health system carries no default liability on financed plans, and high-risk accounts move off your balance sheet.
I'm a patient and Flywire appears on my medical bill — what is it?
Flywire is the payment platform your healthcare provider uses for patient billing. Through Flywire you can view your balance; pay online, by text, or in person; and choose how to pay - in full or through a payment plan. Self-service support is available 24/7, with multilingual help for billing questions.
How is Flywire priced for healthcare organizations?
Flywire's healthcare platform has used a contingency-fee pricing model, in which fees are tied to payments collected rather than charged as fixed licensing - the model evaluated in Forrester's Total Economic Impact™ study.¹ Pricing depends on payment volume and the solutions deployed; contact Flywire for a quote specific to your health system.
Is Flywire HIPAA compliant, and how is patient payment data secured?
Yes. Flywire's healthcare platform is HIPAA-compliant and maintains SOC 2 Type II and PCI DSS Level 1 certifications. Point-of-sale devices are cloud-connected and PCI-validated, with point-to-point encryption (P2PE) for card data capture - reducing the scope of security compliance for your organization - and around-the-clock infrastructure monitoring.
1The Total Economic Impact™ of Flywire, a study conducted by Forrester Consulting and commissioned by Flywire, 2022. Results reflect a composite organization with approximately $1.2B in annual net patient revenue.
2Flywire, Is Paying for Healthcare Consumer Friendly Yet?, U.S. patient survey, October 2024.
3Endeavor Health (formerly NorthShore – Edward-Elmhurst Health) results, published by Flywire, trailing 12 months.
4LifeBridge Health results, presented at the Oracle Cerner Health Conference, 2022.
5Penn Highlands Healthcare results, published by Flywire.