Convert More Treatment into Revenue — Without More Follow-Up.

Buy Now, Pay Later in dental practices is a patient financing option that allows patients to receive treatment immediately and pay for it over time through structured installments, often with low or no upfront cost. Unlike traditional payment methods, Buy Now, Pay Later through Affirm and Klarna gives patients instant access to flexible payment options at the point of care, removing financial hesitation so they can move forward with recommended treatment without delay. It's most effective when it's integrated directly into treatment planning, so patients can review their procedures, see insurance estimates, and choose a payment option all in one place.

Yes. Buy Now, Pay Later can significantly increase case acceptance by removing one of the biggest barriers to care: upfront cost. When patients are presented with flexible payment options at the time of diagnosis, they're more likely to move forward with treatment instead of delaying or declining it — especially for higher-value procedures. The biggest impact comes when Buy Now, Pay Later is paired with a clear treatment plan, so patients can see what insurance covers and choose how to pay in the same moment. That's what makes them far more likely to say yes.

Yes, most patients are already familiar with Buy Now, Pay Later. It's become widely adopted across retail, healthcare, and e-commerce through providers like Affirm and Klarna, and many patients have already used these services for everyday purchases. Because of this familiarity, offering Buy Now, Pay Later in your practice often requires little to no education — patients recognize the option, trust the process, and appreciate the flexibility, especially when it's presented clearly alongside their treatment plan.

The key difference is who manages the payment and how quickly the practice gets paid. In-house payment plans are managed by the practice, funds are received over time, and staff must track balances and follow up — adding administrative burden and risk. With Buy Now, Pay Later, a third-party provider like Affirm or Klarna manages the plan, the practice receives funds quickly (often upfront), and patients pay the provider directly over time. There's no ongoing tracking or collections for your team, which reduces administrative work while improving cash flow.

Yes. Buy Now, Pay Later is available through FlexPayments powered by Stripe and designed to work seamlessly within the Flex platform. What makes Flex different is how Buy Now, Pay Later is integrated into the full patient experience: instead of offering financing as a separate step, Flex connects treatment plan presentation, insurance coverage estimates, and payment options — including Buy Now, Pay Later — into one streamlined workflow where patients can review their treatment, choose how to pay, and schedule their appointment in one continuous experience.

Buy Now, Pay Later plays a critical role in converting diagnosed treatment into scheduled and completed care. It removes the financial barrier at the exact moment a patient is deciding whether to move forward, and when combined with clear treatment presentation and real-time scheduling, it helps practices increase case acceptance, reduce unscheduled treatment, improve cash flow, and create a better patient experience. Practices that integrate Buy Now, Pay Later into their workflow don't just offer more payment options — they build a more effective system for turning treatment into revenue.