The future of cash-pay healthcare starts at checkout.
Let patients pay in full, in installments or by subscription, with no separate approval and no consumer debt. You sell the way you practice, pay less to get paid, and can pull cash forward when you need it.
A membership model that fits how cash-pay care actually works.
Bundle your services.
Package your programs, diagnostics, and protocols into Onfire Health Care Bundles. Here's the model that makes it work: an Onfire member gets exclusive access to your bundles through a monthly membership subscription — instead of one large upfront payment. Onfire purchases approved bundles from your practice on a member's behalf and pays you directly. It's not financing and it's not a loan to your client; it's a membership that makes high-value care affordable. Multi-visit programs, longitudinal protocols, and outcome-based care all welcome.
Offer Onfire Health at checkout.
Your clients see Onfire Health as an option alongside their other payment methods. Becoming a member takes a soft credit check only — no hard pull, no impact to their score.
Get paid as care happens.
Onfire pays you for approved bundles as members fund their monthly subscription. Onfire Health handles billing, member communication, and support.
Need cash up front for labs or kits? Pull forward your practice's receivables using Onfire Health Capital Advances.
Three ways your clients can pay.
Offer all three in one checkout, or only the ones that fit your practice.
Pay in full
One payment for the whole care bundle.
Pay in installments
Spread the bundle over up to 12 monthly payments, with no interest on the balance. Clients pay through an Onfire savings membership, not a loan.
Subscription
Monthly renewing payments for ongoing access to a care bundle. No long-term obligation for your clients.
All three run through the same Onfire Health checkout: one integration, one workflow for your team.
Three forces working against you. Onfire Health fixes all three.
The acceptance problem.
A 25–35% BNPL decline rate at the moment a client says yes to your care plan isn't a friction issue — it's a relationship-ending event. Clients who are declined rarely reschedule. At a $2,500 average program value, losing 30 clients per 100 applications is $75K of revenue gone before you've paid a dollar in processing fees.
The fee problem.
Most payment tools charge cash-pay practices more than they should. Onfire Standard costs less on every way your clients pay: installments at 4.5% vs. the typical 5.99% BNPL merchant fee, pay in full at a flat 2.9% with no 30¢ per-transaction add-on, and subscriptions at 3.5% vs. the typical 3.6%. Your clients still get to pay over time, without taking on consumer debt.
The fit problem.
BNPL was built for e-commerce, and credit cards were built to maximize interest income. Cash-pay health services are sold in programs, packages and memberships delivered over months — and your clients shouldn't take on debt to get well. Onfire Health was built around how your practice actually works: clients subscribe to their care as members, and you get paid as care happens.
Simple pricing. Every fee up front.
Start free, or lower your rates with Standard. No setup fees, and no long-term contracts on monthly plans.
No platform fee
| Pay in full | 3.0% |
| Subscription | 4.5% |
| Installments | 4.5% |
| Advance fee* | 9.5% |
- Pay in full, installments and subscriptions
- Capital advances on patient plans
- Support for cash-pay testing and prescriptions
billed annually ($468/yr), per location · or $50 month-to-month
| Pay in full | 2.9% |
| Subscription | 3.5% |
| Installments | 4.5% |
| Advance fee* | 9.0% |
Everything in Free, plus:
- Lower rates on every payment type
- Signature capture at checkout
- Branded checkout experience
- Webhooks and API integrations
For multi-location practices and groups
| Pay in full | 2.9% |
| Subscription | 3.4% |
| Installments | 4.4% |
| Advance fee* | 8.75% |
Everything in Standard, plus:
- Our best processing rates and advance terms
- All locations on one plan
- Custom development support
- Dedicated support
*Advance fees reflect current rates and may change with inflation and lending rates. Processing rates apply per transaction. Platform fees are non-refundable; monthly plans need 30 days' notice to cancel. See the Partner Agreement.
Join the network of providers accepting Onfire
Thank you to our first 50 founding partners for helping build Onfire. Join them in making care available without consumer debt.
What clinic owners ask before signing up.
By partnering with Onfire Health you agree to our Partner Platform Terms of Service.
The future of cash-pay healthcare starts at checkout.
Sign up in minutes, or tell us about your practice and we'll be in touch within one business day.