Stop losing clients at checkout.
Bank-, debit-, and HSA-first payments. Processing as low as 2.9%. 0% interest for your clients, always.
A membership model that fits how functional medicine 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? Advance draws are available against your future receivables — separate agreement.
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 cost | No interest — it's a membership | 0% promo, then 15–35% APR | 0% promo, then 26.99% |
| Deferred interest trap | Never — not a loan | 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's Premium tier brings Pay-in-Full processing to 2.9% — matching standard card processors — while subscriptions run 4.5%, well below typical BNPL. A fee structure 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 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 subscribe to their care as members, and you get paid as care happens.
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. Your processing rate applies per your plan.
Pay with a Membership
Onfire members subscribe to their care bundle and spread the cost over up to 12 monthly payments — no interest, because a membership isn't a loan. Not a member yet? Clients can join at checkout with a soft credit check only — no hard pull, no credit impact. You're paid for approved bundles as the member's subscription funds.
Both options run through the same Onfire Health Checkout — same integration, same workflow for your team.
Pricing that rewards how your clients pay.
Onfire is bank-, debit-, and HSA-first. When clients pay by those methods, you keep more — and so do they.
Choose Standard for a single location with no monthly cost, or Premium for lower Pay-in-Full processing across one or more locations. Card payments may carry a small surcharge in states where it's permitted; bank transfer, debit, and HSA/FSA never do.
4.5% per transaction — Pay-in-Full and subscription
- No monthly cost
- Single billing location
- 0% interest for members, always
- Capital advances available
or $39/mo per location, billed annually
2.9% Pay-in-Full · 4.5% subscription
- Lower Pay-in-Full processing — matches standard card processors
- 4.5% on subscriptions — beats typical BNPL and credit (5.99%+)
- Billed per physical location
- 0% interest for members, always
- Capital advances available
Premium rates across every location, one license
- One agreement covering all locations
- Premium processing rates
- Preferred capital advance terms
- Additional partner benefits
All tiers: 0% interest for members. Capital advances let you draw forward up to 3 months of member receivables. Onfire is a membership savings model, not a credit product.
All fees subject to Onfire Health's standard partner agreement. See Partner Terms for the complete fee schedule.
Founding partners get Premium free for life.
The first 50 practices to join Onfire receive Premium membership with the monthly platform fee waived — for as long as they stay active. Lower processing on Pay-in-Full transactions, across your locations, at no monthly cost.
Claim founding partner statusWaives the monthly Premium platform fee for as long as the partner remains continuously active on their subscription. If the subscription is paused or canceled, the waiver ends; rejoining requires a standard Premium subscription at then-current pricing. Processing rates follow current Premium pricing.
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?
The application takes 3 minutes. We'll be in touch within one business day.
What clinic owners ask before signing up.
By partnering with Onfire Health you agree to our Partner Platform Terms of Service.
Stop losing clients at checkout.
Apply in three minutes. We'll respond within one business day.