Get paid on your hardest to collect bills with financing directly in Flywire

Enable patients with interest-free, non-recourse patient financing integrated into Flywire's seamless payment experience. Increase cash, eliminate servicing burdens, and empower patients with long-term affordability. Ready to accelerate your revenue?

Welcome to a new era in patient financing

Extend affordability, increase collectability, eliminate servicing strain

  • Reduce self pay plan A/R by more than 60%
  • Reduce the number of payment plans that staff need to service by 65%
  • 100% of patients qualify with no interest, late charges, or hidden fees
  • Non-recourse funding across all risk tiers

In just six months, one Flywire provider saw a 16% increase in cash collected from payment plans

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Best for Patients

Terms tailored to each patient’s unique financial needs
Hassle-free set up of financed plans in minutes with no separate application
Convenient management of financed plans in provider payment experience with option for new bill rollups
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Best for Providers

Eliminate the liability of servicing long-term payment plans in-house
Non-recourse, upfront funding across all risk tiers with Flywire’s partner, PayZen
Full visibility on payment activity for in-house and financed plans with automated reconciliation, posting and pull-backs due to insurance or financial assistance.

How it works


After unexpected hospital stays, many patients are worried about high costs and want to manage the expense effectively.


Flywire analyzes over 200 data points and recommends a payment plan that is either provider-funded or financed based on their capacity to pay and term length.


With Flywire, a patient receives a notification with their affordable offer through their preferred channel.


Easily set up an interest-free financed payment plan online, verifying their personal details.


Providers receive non-recourse funding when a patient makes their first payment — helping them effectively manage the bill and focus on their health.

Cash acceleration meets a consumer-focused payment experience

Traditional, Non-recourse Financing

Traditional, Recourse Financing
  • Up to 60 months no interest 100% approval

Up to 24 months with interest & late fees 50% denial

Up to 24 months

  • Fully integrated, proactive offer with automated enrollment

Separate file exchange & experience, not real-time

Separate file exchange & experience, not real-time

  • Receive payment upfront, all risk tiers are financed

Retain risk for low-credit

Retain all risk

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