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Paytient

Paytient

Feel better. Pay later.

4.1K ratings
413 reviews
💰 Finance
🏥 Medical
Free

Details

Released
August 2, 2018
Updated
September 23, 2026

Features

Developer

Paytient Technologies, Inc
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About

This app provides a sponsored line of credit for out-of-pocket healthcare expenses for your entire family. It allows you to pay for care over time with no interest or fees, covering copays, coinsurance, and bills received after treatment. Manage your account, track spending, and set flexible repayment plans easily.

✓Interest-free healthcare credit
✓Pay for care over time
✓No fees or credit checks
✓Flexible repayment plans
✓Track spending and manage transactions
✓In-app chat support
✓Use HSA/FSA funds
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What users say about Paytient

Reviews of Paytient are mostly positive: the Medical app is rated 4.9/5 from 4.1K App Store ratings. What users like most: helpful payment option, affordable payment plans. Top complaints: login/password issues, unreliable at times. Summarized from real user reviews.

Positive things

  • 💳Helpful payment option
  • 🤑Affordable payment plans
  • 🤝Great customer service
  • 🧠Convenient and easy to use
  • 🏥Enables access to medical care
  • 🐶Can be used for pet expenses
  • 🙌Life-changing benefit

Negative things

  • 🐛Login/password issues
  • ⚠️Unreliable at times
  • 🚫Accounts closed for unclear reasons
See all reviews

What's New in Paytient

7.96.0

September 23, 2026

We're working hard to empower you to pay for care. This update fixes bugs and prepares the app for future enhancements.

User reviews

Most RecentHighest RatedLowest Rated

Flexibility

I am now able to pay for meds or appointments when otherwise I didn’t have enough money. And being able to stretch out the payments to keep them low. Takes a lot of stress off my shoulders.
HHeatherW74

Account Manager

Love this!!!
LLisaLittrell

So easy and no interest

Love this!
KPKim Parish

Wonderful backup financing

Such a great thing to have in case of emergency
KKatyLynneBergeron

A Big Help

This is great for filling the gap. 0% and set your own terms can’t go wrong with that.
MMadendet64
See 408 more reviews

User experience

🐞

Reported Bugs

2 issues

Login screen freezes

Bug

Incompatible with older devices

Bug
✨

Requested Features

3 requests

Expand coverage beyond medical

Feature

Improve login/password functionality

Feature

Provide more transparency on account closures

Feature

FAQ

What is Paytient?

Paytient offers a sponsored line of credit for out-of-pocket healthcare costs for your family. It allows you to pay for medical care over time with no interest or fees. Your employer or health insurer typically provides this benefit.

How does Paytient work?

Once offered the Paytient card, you can create an account quickly and activate a virtual Visa card. You can use this card for copays, coinsurance, or bills received after treatment. After each transaction, you set a repayment plan that fits your budget.

Are there any fees or interest charges with Paytient?

No, Paytient is designed to be interest-free and fee-free for members. Your employer or health insurer covers the cost of providing you with this interest-free line of credit for healthcare expenses.

What kind of healthcare costs can I pay for with Paytient?

You can use your Paytient card to cover a wide range of out-of-pocket healthcare costs. This includes copays at the time of treatment, coinsurance, and any medical bills you receive after your visit, even those not fully covered by your insurance.

Can I use my Health Savings Account (HSA) or Flexible Spending Account (FSA) with Paytient?

Yes, Paytient allows you to make payments using funds from your Health Savings Account (HSA) or Flexible Spending Account (FSA). This enables you to utilize your tax-advantaged accounts for your healthcare expenses.