PayZen is your provider’s healthcare affordability partner.

We help make it easier and more affordable to pay for the care you need. Watch the video to learn how it works.

 No hidden fees and always 0% interest

Our payment plans are 100% free for everyone. There are no service fees, no late charges, and never any interest on payments. We simply help you pay over time so your healthcare is more affordable.

Every patient can enroll – no credit applications

If the healthcare service you receive from your provider is eligible for PayZen payment plans, you can sign up anytime. There’s no credit application and your credit score won’t be affected.

Payment plans uniquely tailored to your budget

Everyone’s situation is unique. PayZen’s technology generates healthcare payment plans tailored to your budget and circumstances. You’ll get a monthly payment that won’t break the bank.

Easy to sign up, easy to manage your plan

Signing up takes about a minute. You’ll enjoy automatic payments and payment reminders. If your circumstances change, so can your plan. Our customer care team is there when you need help.

Peace of mind in 2 minutes and 3 easy steps


Review your bill and other info


Choose the plan that’s right for you


Setup your first payment

That’s it!

Customer Satisfaction 10/10

This was very easy to setup online, and the payment amount to pay is very doable compared to my original amount that was setup. I'm very thankful that PayZen reached out to me. I didn't have to think twice to accept this process to pay out my account in a timely manner especially in this unreal time of COVID!!!

Happy Patient

Why hadn't anyone thought of this before? PayZen pays your health provider, then sets up a payment plan based on your financial picture for you to repay the amount—without any interest or fees. A scary, overwhelming debt is reduced to bite-size installments.

I tear up thinking about all the people currently struggling who will be able to maintain financial dignity thanks to this product.

Real Simple Smart Money Awards 2022Smart Money editors

Still have questions? We’ve got answers.


How much does a payment plan cost?

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

How long are payment plans, and how much do I pay monthly?

During the enrollment process, you’ll select the best terms that work for you. You can choose from multiple payment plan offers that may range from 3 months to 60 months.

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

Can I make changes to my payment plans?

Yes! You can manage your plan at

You can:

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

What if I have questions about my bill?

The bills that PayZen presents are typically the final, adjudicated 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 provider, and they will update our systems to present you with accurate bills.

What are my payment method options?

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.

What if I want to pay my bill in full?

You can simply visit your 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.

What if I want to pay my bill faster?

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.

What if I want my monthly payment date to be a different date?

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

What if I can’t pay my bill for a month or two?

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!

What if I no longer need a payment plan?

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

What if I receive a new bill? Can I add that to my existing payment plan?

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

I entered my last name and date of birth, but it’s giving me an error. What should I do?

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.

Is my personal and medical information secure?

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.

If you have additional questions or you’re having trouble setting up your payment plan, contact the PayZen support team at 888-849-7647 or email us:
Already have a PayZen account and need help managing your payment details? Visit our help center.