Stop losing clients at checkout.
The savings-based payment platform built for functional medicine and longevity care. Your clients save toward their care instead of borrowing for it — and you get paid as easily as if they used a credit card.
The most expensive financing tool isn't the one with the highest fee.
It's the one that turns clients away.
Most BNPL platforms decline 25–35% of clients in healthcare contexts — and a decline at the moment of commitment isn't a friction event, it's a relationship-ending one.
| Onfire Health | BNPL (typical) | Health credit cards | |
|---|---|---|---|
| Approval rate | Significantly higher | ~65–75% in healthcare | Credit-score dependent |
| Credit check | Soft pull only | Hard or soft pull | Hard pull |
| Client interest rate | 0% always | 0% promo, then 15–35% APR | 0% promo, then 26.99% |
| Deferred interest trap | Never | Possible | Common |
| Underlying model | Membership savings | Consumer loan | Revolving credit |
| Practice setup | Same-day | 2–4 weeks + dev work | Days–weeks |
Source: Industry-reported decline rates and APR ranges. See full case study for citations.
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.
BNPL platforms charge 2–8% per transaction, with rates that move with negotiated tiers. Onfire Health is a flat 4.5%. For a practice doing $400K in financed annual volume, that's $18,000 — a number you can actually plan around.
The fit problem.
BNPL was built for e-commerce, and credit cards were built to maximize interest income. Functional medicine and longevity care is sold in programs, packages, and protocols 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 save toward their care, and you get paid as care happens.
A payment platform that fits how functional medicine actually works.
Bundle your services.
Package your programs, diagnostics, and protocols into Onfire Health Care Bundles. 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. Soft credit check only — no hard pull, no impact to their score.
Get paid as care happens.
Clients pay over up to 12 months at 0% interest. Onfire Health handles billing, collections, and member communication. Need cash up front for labs or kits? Advance draws are available against your future receivables — separate agreement.
Two ways your clients can pay with Onfire Health.
Pay Now
Use Onfire Health as your checkout payment processor. Clients pay in full on the spot — by card, ACH, or HSA/FSA. You pay 4.5% on the transaction.
Pay Monthly
Existing Onfire Health members use their membership to pay over up to 12 months at 0% interest. Non-members can apply at checkout. Same 4.5% transaction fee. You're paid as the member pays, with no impact to their credit score from a soft check.
Both options run through the same Onfire Health Checkout — same integration, same fee, same workflow for your team.
Simple pricing. No long-term lock-in.
One simple fee
- 4.5% per Onfire Health transaction
- No platform fee
- No setup cost
- No per-client fee
- No long-term commitment — terminate on 60 days notice
Settlement
Onfire Health pays you via ACH as your clients fund their monthly Onfire Health savings plan.
Optional
Draw forward up to 3 months of member receivables to help your practice grow and cover up front expenses.
All fees subject to Onfire Health's standard partner agreement. See Partner Terms for the complete fee schedule.
Onfire Health is onboarding new functional medicine and longevity practices weekly.
We're working from a growing waitlist of practices and integration partners. If you'd like your practice to be next, apply below — we typically respond within one business day.
Ready to stop losing clients at checkout?
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Stop losing clients at checkout.
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