Payments are final
A carrier's denial, reduction or delay does not let PawPay claw back what it paid you. PawPay carries that risk, subject only to narrow exceptions such as services not rendered or records not provided.
For veterinary clinics
Use Any Insurance. Get paid at the time of service.
Your clients pay their share to PawPay. PawPay pays your clinic in full and handles the claim. A carrier's denial does not come back to you.
- Payments final when paid
- One process; all insurance carriers
- Cheaper than taking a credit card
Members, partners and accreditations
Clinic disbursementExample
Foreign body removal
- Approved invoice$3,000.00
- Collected from client$633.00
- Pursued with the carrier$2,367.00
Paid to your clinicApproved invoice
Less your disbursement feePer your app settings
Your claim-outcome risk$0.00
Illustrative figures. Your disbursement fee is set in your app settings. Claim-outcome risk sits with PawPay subject to narrow exceptions, all within your control — see below.
How it works
As simple as submitting an invoice
Your front desk submits the documents
Invoice plus available treatment history and notes.
The client pays their share
Deductible, coinsurance and non-covered items — collected by PawPay.
You are paid and we handle the rest
Payment in full without exposure to insurance decisions.
Why clinics enroll
Say yes to insured clients, carry nothing
No insurance receivable
Paid on the schedule you elect, not on the carrier's. No aging AR to chase.
Fewer trimmed treatment plans
When clients only cover their own share today, the conversation goes back to what the patient needs.
One fee, and you set it
Pick your disbursement option in your app settings. It is the only fee PawPay charges your clinic.
Your team stays out of claims
PawPay handles the carrier and any balance owed by the client, in PawPay's own name.
No lock-in
No exclusivity agreements, volume requirements or contractual burden.
See it in action
A short walkthrough of the complete process. See how simple it is to implement.
Good to know
- Coverage figures are estimates, not coverage decisions — the carrier decides every claim.
- Your disbursement fee is the only fee PawPay charges your clinic. It is deducted from your payout, and you select it in your app settings.
- Payments to your clinic are final when paid, subject only to narrow exceptions such as services not rendered, missing records after notice, duplicate payment or fraud.
PawPay is not an insurance company, broker or agent, and does not make coverage determinations. Full terms in our Terms of Use. Enrollment agreements are accepted electronically in the app after signup.
FAQ
The answers your front desk needs
How long does the process take?
PawPay's payment process can be completed in less than 10 minutes — the time it takes to submit the documents, have the pet parent review the coverage estimate, and pay their share of the bill to PawPay.
What happens if the carrier later reduces or denies the claim?
Once PawPay pays your clinic, that payment is final — subject only to narrow exceptions such as services not rendered, missing records after notice, duplicate payment or fraud. Any gap between the estimate and what the carrier ultimately pays is resolved between PawPay and the pet parent, not your clinic.
How is this different from CareCredit or a financing product?
Those are consumer loans — the client still owes the full bill and pays it off over time. With PawPay, the client only pays their share at the counter; PawPay pays your clinic the rest and takes on collecting from the carrier.
Does this work with our clients' carriers?
Yes, PawPay works across all U.S. carriers, so your front desk doesn't need a different process per insurer. One system covers every carrier.
Who does the client pay — us or PawPay?
The client pays PawPay directly for their share. PawPay pays your clinic separately, for the full approved invoice less the disbursement fee you've set in your app settings — one consolidated payment, no split billing.
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