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PbN Payment Plans

Flexible Financing For
Every Dental Procedure

Give patients the freedom to accept treatment without financial stress. PbN Payment Plans make care more affordable, boost case acceptance, and keep your practice financially healthy without relying on third-party financing.
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Get More Patients and Resolve Overdue
Balances Effortlessly!

Increase treatment acceptance
Collect payments automatically
Reduce front-desk follow-ups
Offer flexible,
in-house options
Recover admin costs with built-in controls
Improve patient satisfaction

Help Patients Feel
Confident About Payments!

The Problem

Dental expenses can be overwhelming. From elective treatments to urgent procedures, high costs often lead patients to delay or decline care.

The Solution

PbN Payment Plans let you offer flexible installment or pay-in-full options for treatment plans and pending balances, making it easier for patients to request a payment plan for treatments like cleanings, ortho, implants, and even for pending balances.
How it works

Efficient for Practices
Effortless for Patients!

01
Create a Payment Plan
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Choose from ready-made templates or build custom plans with flexible schedules, down payments, discounts, and fees.
02
Share Automatically or On Demand
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Attach plans to treatment quotes, send via text or email, or trigger offers automatically for eligible balances.
03
Easy Sign-Up
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Patients enroll with a tap, click, or text. They choose their method, review terms, and they’re in. No paperwork. No portals to figure out.
04
Fees and Discounts
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Tailor payment schedules to your practice and your patients. Gain flexibility, reduce costs, and manage payments without the challenges of third-party financing.
05
Seamless Integrations
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No matter how patients enroll, payments sync automatically with your Practice Management Software, Patient Portal, KIOSK App, and Public Payment Links.
06
Reporting and Analytics
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Get real-time visibility into balances, payments, and overdue accounts. Dive into reports for pending payments, revenue trends, and cash flow insights.
07
Set It and Forget It
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With cards-on-file, payments are automatically charged on due dates, with retries and SMS/email reminders for failed payments.
Create a Payment Plan
Share Automatically or On Demand
Easy Sign-Up
Fees and Discounts
Seamless Integrations
Reporting and Analytics
Set It and Forget It

Stop Losing Cases
Over Cost Concerns

Payment plans transform uncertain revenue into predictable cash flow. Patients who can't pay upfront say "yes" to treatment when given flexible options, while automated tracking ensures you actually collect what you're owed.

Turn Large Treatments Into Manageable Payments

Break high-cost procedures into predictable installments without manual tracking.
  • Custom installment schedules (monthly, bi-weekly)
  • Pay-in-full incentives with optional discounts
  • Automatic card charging with smart retry logic
  • Configurable down payments and management fees
  • Patients track progress and pay early via the portal
More completed treatment. More predictable revenue.

Flexible Options for Every Practice Policy

Pay-in-Full Plans
Reward upfront payments with discounts while collecting immediately.
  • Custom discount amounts
  • Optional minimum and maximum limits
  • Faster collections with zero follow-ups
Installment Plans
Offer structured payments for larger treatments.
  • Flexible number of installments
  • Optional discounts
  • Down payment requirements
  • Management fees to cover admin costs

Advanced Controls & Risk Management

You decide who sees which plans.
Eligibility Rules
  • Fee-for-Service or insured patients
  • Treatment plan value ranges
  • Pending balance thresholds
Exclusions
  • Specific insurance plans
  • Patient tags (Collections, VIP, etc.)
Pending Balance Automation
  • Target balances by aging (30/60/90+ days)
  • Trigger payment plans automatically via campaigns

Managing Your Plans

All plans, active or inactive, are managed from one place.
  • Edit or update plans
  • Activate or deactivate options
  • Duplicate plans for faster setup
Also, Patients can view their plan progress and pay off remaining installments early through the Patient Portal

Make payments easier for patients and grow revenue with confidence.

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Frequently Asked Questions

Is this the same as a third-party financing partner?

No, PbN Payment Plans are offered directly by your practice, meaning you control the terms and payment schedule. Unlike third-party financing, you receive payments as patients make them, reducing costs and improving flexibility for both your practice and patients.

What are the fees and pricing?

A standard fixed rate for transaction types has a fee of 3.9% + $0.30 that applies to all payments made through a payment plan.

What happens if a patient misses a scheduled payment?

Our system automatically retries the payment 5 times over a one-week period. If the charge continues to fail, both the patient and practice receive notifications for follow-up action.

Is Pay in Full considered a payment plan?

The Pay in Full option is not considered a payment plan. However, it allows you to offer customers a discount as an incentive for paying the full amount upfront. If permitted by your state laws and configured correctly, you can also apply a surcharge to the Pay in Full option, passing the surcharge cost to the customer. The fees for the Pay in Full option follow the standard fee structure for regular payments, not the specialized pricing designed for payment plans.

How do I know if an automatic payment was completed?

The Payment Plan dashboard gives a complete overview of all upcoming payments, including KPI such as collected and failed payments. Users can easily sort and filter the worklist of plans by status and other metrics.

Can I use Stripe or another similar service for payment plans?

No, Stripe cannot be used for payment plans. You must have the PbN Payment service configured on your account to enable payment plans.

What Schedules can we create payment plans on?

You’re in control. Edit installment dates, adjust amounts, or mark payments as paid with just a click! For example, you can customize payment schedules to fit patient needs weekly, bi-weekly, or monthly. Additionally, payments can be paused for unforeseen circumstances for 30 days.

Can payment plans be modified after they’ve started?

In most cases, yes, payment plans can be modified after they’ve started. However, you can modify the installment date and amount, but the installment amount will be adjusted in the remaining installments.

How difficult is it for front office staff to create payment plans?

Creating a payment plan is simple with our step-by-step wizard, ensuring all terms are set up correctly. In just minutes, your team can customize a plan that works for both the patient and your practice. We also offer pre-defined payment plan templates, saving time and effort by simply selecting from ready-made options instead of designing custom plans for each patient.

How can I recover the card processing fee for payment plan payments?

Practices cannot add a surcharge fee to payment plan transactions. Instead of a surcharge, you can add a management fee to cover card processing costs or any additional expenses, such as account handling or an interest rate. This fee can be included as part of the payment plan terms and applied to the total installment amount.

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See how you can handle scheduling, payments, communication, and reporting — all in one place, with one platform.

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