Wants to raise average ticket with financing without eroding margin.
Med spa software with patient financing at checkout
How checkout-embedded patient financing works in med spa software, what the merchant discount really costs, and how to model financing into treatment margin.
Short answer
Patient financing raises average ticket by moving the decision from price to monthly payment, and it works best when approval happens inside the consult rather than in a separate portal afterwards. The cost is the lender's merchant discount, commonly 3%–12% of the financed amount, which is a real cost of goods and must be modelled into treatment margin before you promote a financed package.
What to require
Approval inside the consult
The plan closes while the patient is still in the room, not by email that evening.
Your own lender terms
The platform should integrate the lender you negotiated with, not force its own.
Margin reporting after discount
Reports must show net margin after the merchant discount, per treatment.
Membership as the alternative
For repeat treatments, a membership often beats financing for both parties.
How MedAestheticsOS handles it
Financing integrations included
No per-month integration fee on any tier.
Net-of-fee reporting
Treatment margin reported after processing and financing costs.
Memberships built in
Recurring plans with banked credits and no revenue share.
Frequently asked questions
What patient financing works with med spa software?
Cherry, Care Credit and Affirm are the options most commonly integrated in aesthetics. The important question is whether approval happens at the point of consult inside your workflow and whether you keep your own negotiated lender terms.
Does patient financing cost the med spa money?
Yes. The lender takes a merchant discount, commonly 3%–12% of the financed amount, paid by the practice. It usually pays for itself through higher average ticket, but only if you model it into the treatment's margin first.
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