# Paytient — Feel better. Pay later.

> Interest-free line of credit for family healthcare costs, paid over time. (iPhone/iPad app by Paytient Technologies, Inc.)

- Source: https://appshunter.io/ios/app/paytient/id1418399898 (this page in markdown: same URL + `.md`)
- Developer: [Paytient Technologies, Inc](https://appshunter.io/developer/1418399897)
- Category: Medical, Finance
- Price: Free
- Rating: 4.90/5 from 3,841 App Store ratings · 375 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.1 · 201 MB
- Languages: American English, European Spanish
- Released: 2018-08-02
- Data updated: 2026-09-09
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/paytient/id1418399898/reviews.md

## What is Paytient?

Paytient gives people the power to pay — whenever life happens.

Paytient is a sponsored line of credit for out-of-pocket healthcare costs for the whole family. Our members pay for care over time, always without interest or fees. 

If you’ve been offered a Paytient card at work or through your health plan, your employer or health insurer is paying to give you an interest-free line of credit for healthcare expenses. You read that right — no fees and no interest!

Paytient offers members flexible repayment terms on every transaction. Your Paytient card can cover copays or coinsurance at the time of treatment as well as any costs not covered by insurance. It also works for bills that you receive after your visit.

The benefits of using the Paytient app:

Simple account creation
• Create an account in less than five minutes.
• Activate your Paytient virtual Visa card immediately after account creation. 
• We never check your credit or pull your credit score.

Help when you need it
• In-app chat support is available if you ever have a quick question, concern, or need to make a change.

Account info at your fingertips
• Quickly track your spending and manage active transactions. Your account summary page offers a bird’s-eye view of your Paytient activity, and monthly e-statements provide greater insight.
• Easily access and copy your card info to pay for care with Paytient at home or on the go.

Plenty of payment options
• Choose the source of funds that is best for your needs — automated payments can come directly from your bank account or via payroll deduction.
• If you have a Health Savings Account or Flexible Spending Account, you can also make payments using these tax-advantaged accounts.
• After each transaction with your Paytient card, you set a repayment plan that meets your budget.

## Key features

- 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

## What do users think of Paytient?

Overall sentiment: positive

**Pros**

- 💳 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

**Cons**

- 🐛 Login/password issues
- ⚠️ Unreliable at times
- 🚫 Accounts closed for unclear reasons

**Commonly reported bugs**

- Login screen freezes
- Incompatible with older devices

**Most requested features**

- Expand coverage beyond medical
- Improve login/password functionality
- Provide more transparency on account closures

## Recent user reviews (10 of 375)

All indexed reviews: https://appshunter.io/ios/app/paytient/id1418399898/reviews.md

### 5/5 — Very thankful my employer offered this!

*2026-08-14, version 7.94.0*

This Paytient app
Was a real blessing. I’m so thankful my employer offers it. I was able to get my fur baby an expensive dental procedure that I did not have the cash for. Thank you Paytient!

### 5/5 — Paypatient

*2026-08-13, version 7.93.0*

Options to have deductions from your your paycheck each week is great

### 5/5 — A much needed option

*2026-08-10, version 7.93.0*

Grateful

### 5/5 — Great service

*2026-08-06, version 7.93.0*

Great assistance with payment

### 5/5 — Jenn Wilson

*2026-08-05, version 7.93.0*

It’s awesome

### 5/5 — Blessing

*2026-08-04, version 7.93.0*

I love using it for my co payments , just wish I could pay for my medicine with it

### 5/5 — Flexibility

*2026-08-04, version 7.93.0*

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.

### 1/5 — The app

*2026-08-04, version 7.93.0*

It won’t let me sign up or sign in

### 5/5 — Love this!!

*2026-07-29, version 7.92.0*

Great benefit!

### 5/5 — Fantastically Convenient

*2026-07-28, version 7.92.0*

This is soooo great not always having all the money for prescriptions all at once.

## Frequently asked questions about Paytient

### 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.

## Version history (last 5 releases)

### 7.94.0 — 2026-08-14

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

### 7.93.0 — 2026-07-28

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

### 7.92.0 — 2026-07-15

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

### 7.91.0 — 2026-07-06

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

### 7.90.0 — 2026-06-08

What’s New in This Version section: We're working hard to empower you to pay for care. This update fixes bugs and prepares the app for future enhancements.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-09.*