How "Pay Later" solutions help clinics attract more patients

Why do patients postpone treatment?

- You've been working in this industry for almost 10 years. How would you describe the current situation in healthcare and aesthetic medicine?

Honestly, the situation is somewhat contradictory. On the one hand, we see that people are becoming increasingly conscious of their health and appearance. On the other hand, we hear that access to procedures is often limited.

Public healthcare waiting lists are long, while private clinics can often only serve patients who are able to pay immediately. As a result, people postpone appointments. In many cases, this means the problem becomes more complex and treatment becomes more expensive later on.

How do "Pay later" solutions for clinics help patients?

- How can clinics help patients?

The primary role of a clinic is to care for patients, not to solve financing challenges. Healthcare professionals want to help, but they do not always have the resources to offer individual and flexible payment options.

In reality, however, health and finances are often closely connected. This is where patient financing solutions play an important role.

Patients already choose clinics that offer to pay in parts

- And this is where the Inbank solution comes in?

Exactly. With our "Split into Parts" payment method, we help bridge this gap. Patients can apply for the service directly on their mobile phone while at the clinic.

A response is received within moments. After signing the agreement remotely, the first payment is only due after one month. The clinic receives confirmation of the transaction and full payment from Inbank.

How does Inbank's "Split into parts" payment method work?

- Sounds simple. One minute and done?

Yes. The "Split into Parts" payment method is designed to make the process simple for both patients and clinics.

The customer experience is similar to paying with a bank card. The customer enters the required information, and the Inbank system automatically evaluates whether this payment method can be applied to the transaction.

A simple process for patients and clinics

This means clinics do not have to take on financial risk or manage payment administration. Instead, they can focus on what matters most – helping patients receive the treatment they need at the right time.

How does this affect patient behaviour?

Quite directly.When patients have the option to spread the cost of treatment over time, they are far less likely to postpone appointments. They are also less likely to make multiple parallel bookings and are more likely to proceed with treatment immediately.

How "Pay later" solutions for clinics help increase sales?

Our data shows that customers are 67% more likely to consider a purchase from a business that offers the option to split payments into instalments. For businesses, introducing this payment method increases sales by an average of 27%. That is why "Pay Later" solutions benefit both sides. Patients can receive the services they need without delay, while clinics receive full payment upfront and can focus on delivering high-quality care.