AI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Solutions · HealthcareSimpler billing for clinics, hospitals and labs.
Collect consultation fees, advance payments and treatment instalments without chasing patients, and reconcile every payment against the right visit.
- Payment Gateway
- Payment Links
- Smart Collections
Paynancial helps healthcare providers collect consultation and treatment payments at the desk or online, send payment links for pre-payments and outstanding bills, and schedule instalments for longer treatment plans, with reconciliation built in.
How healthcare businesses collect and move money — and where it gets hard.
- Payments at different stages of care
- Patients may pay an advance, a consultation fee, test charges and a final bill, sometimes on different days.
- Long treatment plans
- Physiotherapy, dental and other multi-session treatments are often paid in instalments that have to be tracked per patient.
- Busy front desks
- Reception teams need a quick way to take payment and issue a record, without re-keying amounts into several systems.
- Reconciliation across departments
- Payments from OPD, pharmacy, diagnostics and in-patient billing all need to be matched to the right account.
From first payment to reconciled books.
How a typical healthcare payment flows through Paynancial.
- 01Appointment is booked
Take an advance or consultation fee online, or send a payment link.
- 02Care is delivered
Collect charges at the desk through your checkout.
- 03Plan is scheduled
Set up instalments for a multi-session treatment plan.
- 04Patient is notified
Patients are kept informed as a payment is due or completed.
- 05Accounts are reconciled
Every payment is matched to the patient and billing cycle it belongs to.
The Paynancial products that fit.
Each need maps to a product you can start with on its own and add to later.
| You need to… | Product | How it helps |
|---|---|---|
| Take payment at the desk or online | Payment Gateway | Cards, UPI, netbanking and wallets through one integration. |
| Collect advances and outstanding bills | Payment Links | Send a link by SMS, email or WhatsApp; the patient pays from their phone. |
| Schedule treatment instalments | Smart Collections | Recurring collection with retries, notifications and reconciliation. |
| Refund cancelled appointments | Payment Gateway | Full or partial refunds from the dashboard. |
What it looks like in practice.
Illustrative examples of how healthcare businesses use Paynancial products.
- A multi-specialty clinic
- Sends a payment link to confirm a booked appointment and takes remaining charges at the desk.
- A physiotherapy or dental practice
- Bills a treatment plan in scheduled instalments and follows up automatically on failed attempts.
- A diagnostic centre
- Collects for home sample collection by payment link before the technician visits.
Practical things to get right.
- 01Keep medical details out of payment data
Paynancial handles payments, not clinical records. Use neutral references, such as an invoice number, rather than diagnoses or treatment names.
- 02Agree instalments in writing
Make sure patients have agreed to a treatment-plan schedule before you set up recurring collection.
- 03Your obligations stay yours
Using Paynancial does not change your own regulatory or record-keeping obligations as a healthcare provider.
Built on the same API as every Paynancial product.
One REST API, idempotent requests and real-time webhooks — test it all in the sandbox before going live.
- Integration Guide — from sandbox key to first live payment.
- API Reference — resources, conventions and errors.
- Sandbox — test without touching live payments.
- Security & Compliance — how Paynancial approaches security.
Healthcare payments questions.
Can patients pay before their appointment?
Yes. Send a payment link by SMS, email or WhatsApp and the patient can pay from their phone.
Can we bill a treatment plan in instalments?
Yes. Smart Collections runs scheduled collections, retries failed attempts and reconciles each payment to its cycle.
Can we refund a cancelled appointment?
Yes. Refunds can be full or partial and are issued from the dashboard or API.
Does Paynancial store patient medical records?
No. Paynancial is a payments platform. Keep clinical information out of payment descriptions and references.
Talk to us about healthcare payments.
Tell us how your business collects and pays out, and we will help you choose where to start.