care now pay later

Care Now, Pay Later

Do patient financing the right way.

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Creating consistent revenue streams for providers and flexible payments for patients

Care Now, Pay Later (CNPL) is Rectangle Health’s answer to patient financing and healthcare’s answer to Buy Now, Pay Later (BNPL) arrangements. CNPL is a financial arrangement directly between providers and patients that breaks a payment up over multiple installments, benefiting both parties.

We believe patients should have access to flexible payment options that don’t involve high interest rates or lines of credit, and by offering such options, providers have a huge opportunity to increase revenue and patient satisfaction. CNPL helps providers who are dealing with high accounts receivable balances collect more payments and retain their full earnings rather than turning to systems like healthcare credit cards and collection companies that charge fees.

  • 63% of patients expressed significant interest in payment plan offerings in 20201.
  • 20% of people have medical debt, and three-quarters of them have accumulated more medical debt since the beginning of the pandemic in the U.S. in March 20202.

CNPL broadens the traditional healthcare payment model that centers around lump sum payment after care. Payment plans are a means of an additional, consistent revenue stream across smaller installation payments. CNPL lets providers work more effectively with patients who are either unable to or prefer not to pay a full balance at once.

Our solution makes payment plans simple.

Our Practice Management Bridge® solution has built-in payment plan technology that makes it simple for healthcare offices to break an amount due into multiple payments based on either the total number of payments or the amount due with each payment. Our payment plan solution is designed to be flexible so that you can customize the payment arrangement based on an individual patients’ needs, and so that your practice has the ability to choose arrangements that also work for them.

Practice Management Bridge leverages our secure Card on File technology to enable healthcare offices to set up simple, custom payment plans to make large out-of-pocket expenses manageable for patients.

For many patients, having an option for interest-free payment plans can make the difference between choosing to pursue care or not. Flexible payment plans are a practical way for practices to receive more incoming payments and for patients to be able to afford the care that they need.

Care Now, Pay Later benefits all providers.

Medical practices and healthcare organizations

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Dental practices and Dental Service Organizations

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Ophthalmology, veterinary, and all other specialties

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Solution highlights

Card on File

Card on File

Our secure card-on-file technology opens the door for streamlined payment experiences and for practices to create custom, flexible payment plans to work more effectively with individual patients.

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card account updater

Card Account Updater

Each month, Card Account Updater checks stored card information with the respective card companies. If the card information has changed, the payment information is automatically updated in the Vault.

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82% of Gen Z patients have great interest in payment plans, but only 54% have been made aware that they are available.1

“When you remove the collection company out of the equation, it’s huge.”

Therapy Specialists of Oklahoma chose Rectangle Health because of their vast experience working with providers across the healthcare industry. Since partnering with Rectangle Health, Therapy Specialists has seen improvements in patient experience, front office efficiency, and cash flow.


Care Now, Pay Later Podcast #1

Hear why provider-to-patient options are the best choice for healthcare.

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1 Of 2,000 patients surveyed in The Healthcare Payment Experience, January 2021, produced by and Rectangle Health.

2 Micheletti, M. (2021, January 29). A Tale of Two American Consumers. Freedom Debt Relief.

Security is our priority.

Rectangle Health securely stores healthcare payment information, protecting both your practice and patients with today’s highest standards for compliance and PCI.