NEW REPORT | The High Cost of Health: Analyzing America’s Healthcare Affordability Crisis

Access the healthcare you need, when you need it

Medical costs and your ability to pay shouldn’t be the reason you put off critical care. We partner with providers to offer patient financing options that are affordable and accessible for everyone.

Affordable financing for patients

Pay your medical bill over time with no interest or fees

PayZen's personalized, affordable payment plans enable you to pay for your care over time at an interval that works with your budget.

How it Works


Review your medical bill


Choose the financing plan that’s right for you


Enroll in your automated payment plan

Personalized patient financing options
Healthcare financing with no fees or interest

No fees or interest, ever

Interest-free. No hidden service fees. No late charges. You’ll never pay more than what you owe for your medical care.

Custom patient financing options

Custom plans tailored to you

Everyone’s situation is unique. We generate patient payment plan options that are specific to your budget and circumstances.

Flexible patient payment plans

Flexibility at your fingertips

You’ll have access to a patient portal to manage your payment plan, as well as a dedicated customer support team if you need any assistance.

The Care Card is peace of mind in your pocket

This patient financing option can be used to pay for a pre-procedure down payment or a post-procedure medical bill, and you'll automatically pay in affordable monthly installments over time.

PayZen Care Card for patients
Healthcare financing with PayZen’s Care Card

How it Works


When you sign up for a Care Card, your virtual card is instantly available and a physical card will be shipped within 7 days.


Use your Care Card to pay for an upcoming medical procedure or existing bill.


Pay online or in person, and your bill will automatically be split into an affordable monthly plan, with no interest or fees.

PayZen Care Card for all your care

One card for all your healthcare expenses

Managing your medical or pharmaceutical expenses has never been easier. With your Care Card, you can pay for upcoming procedures, repeat care cycles, or existing bills.

0% interest monthly payments for patients

0% interest monthly payments

When you use your Care Card, medical bills are automatically split into affordable monthly payments based on pre-approved terms with no strings attached.

Automatic payments for peace of mind

Built for peace of mind

Your monthly installments are automatically deducted, but you can make one-time payments, update your payment method, and more in our patient portal.


Frequently asked questions

Payment Plans

Patients pay exactly what they owe in affordable payments over time. Our healthcare payment plans have 0% interest and $0 fees. There are no late payment, modification, or overpayment fees.

During the enrollment process, you’ll select the best terms that work for you. You can choose from multiple patient financing options that may range from 3-months to 60-months plans.

The monthly payment will depend on the total bill amount and the term (number of months) you choose.

Yes! You can manage your plan at

You can:

  • Request a new payment due date
  • Update your payment information

The bills that PayZen presents are typically the final, adjudicated medical bills; this means the bills have gone through insurance and are ready to pay. If you don’t think your bill is accurate, please contact your healthcare provider, and they will update our systems to present you with accurate bills.

You can make payments via checking account, debit card, or your HSA/FSA card. You also have the option to change payment methods in your PayZen Account.

You can simply visit your healthcare provider’s online portal to pay your balance in full.

If you’ve already enrolled in a payment plan, you can also pay your remaining balance through your online PayZen Account. To do this, simply use the one-time payment feature and pay off your balance.

To pay your balance faster, you can login into your PayZen Account and make a one-time payment. Your payment plan will be shortened accordingly.

If you would like to change your plan payment dates, simply log into your PayZen Account at

We know that life happens. Please contact the PayZen customer support team and we will work with you to review available options—we’re here to help!

In rare instances, your medical bill amount is not final and can actually change. Sometimes this occurs due to insurance paying more than expected, clerical issues, and financial assistance eligibility.

We never charge customers more than what they owe, so if this applies to you—and you no longer owe your original balance—contact our support team to cancel your plan.

Once PayZen cancels the plan, the bills associated with the plan are re-integrated into your healthcare provider’s billing and records systems. This means that you may still owe a partial, or full balance, and you are going to work with the hospital to pay it off.

If you receive a new bill from your healthcare provider, you will receive a communication from PayZen. You will then have the opportunity to create a new plan for your new bill(s).

Usually, this is because the date of birth or last name was not entered correctly. Remember to enter only your last name, not your full name. We recommend double-checking that you entered the right information, making sure to include any apostrophes, hyphens, or suffixes (e.g. Jr, Sr, III).

In some instances, the error is because your name is misspelled in the Hospital’s system, or because of a change in your final bill amount that makes it ineligible for a plan through PayZen. Contact your provider to double-check.

Yes! PayZen prioritizes information and data security; PayZen is SOC2 & HIPAA compliant. PayZen follows strict information security guidelines and practices to make sure that personal and medical information is secure—only guarantors and/or patients can view their medical billing data.

Care Card

The PayZen Care Card is an affordable and convenient way to pay for healthcare. Your healthcare organization and PayZen have partnered to give you a new, better way to make paying for your care easier and less stressful.

The Care Card allows you to cover your healthcare bills today and pay the balance of your bill over time, with zero interest or fees.

Any healthcare organization can partner with PayZen to offer the Care Card. Ask your provider if they provide this patient financing option. (You can also ask PayZen whether your provider offers the Care Card.)

If your healthcare organization offers the Care Card, you need to enroll to use the card. You may receive a link inviting you to sign up for the Care Card on their website, via email or text, or receive information in the mail or via brochures where you receive care.

When you use your Care Card for the first time, the payment method that you set up with the card is charged immediately for the first month’s payment.

Your payments will be automatically processed on time each month, so you don’t have to worry about them. You can access your account to update your payment method at any time.

Your payments are made automatically to PayZen each month based on the date you first used your Care Card.

Yes! Visit your PayZen account to access your digital card, which you can use online or in person.

You can access your PayZen account by logging in at:

From there, you can access your Care Card details and any payments you’ve made.

Get in touch

For any questions about your medical bill, please contact your healthcare provider. For questions about your payment plan, visit our help center or contact our support team.

Visit our help center

Call us

Monday – Friday, 9am – 7pm EST