For veterinary clinics
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.
Members, partners and accreditations
Foreign body removal
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
Invoice plus available treatment history and notes.
Deductible, coinsurance and non-covered items — collected by PawPay.
PawPay manages the pet parent's claims with their carrier and you receive payment in full without exposure to insurance decisions.
Why clinics enroll
A carrier's denial, reduction or delay does not impact your payments received. PawPay carries that risk and manages each pet parent's insurance claim process, subject only to narrow exceptions such as services not rendered or records not provided.
Paid on the schedule you elect, not on the carrier's. No aging AR to chase.
When clients only cover their own share today, the conversation goes back to what the patient needs.
Pick your disbursement option in your app settings. It is the only fee PawPay charges your clinic.
PawPay handles the carrier and any not-covered amounts for the client, in PawPay's own name pursuant to PawPay's agreement with the pet parent.
No exclusivity agreements, volume requirements or contractual burden.
A short walkthrough of the complete process. See how simple it is to implement.
Good to know
PawPay is not an insurance company, insurance broker or insurance 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
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.
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. PawPay manages the balance of amounts covered by insurance and the pet parent, not your clinic.
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 managing the claim with the carrier. PawPay does not offer loans, extend credit, or provide accounts to pet parents and does not collect on any clinic's behalf.
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.
The client always pays PawPay and PawPay, acting as the clinic's agent for payments receives all amounts due to the clinic relating to the full balance of the invoice. PawPay pays your clinic 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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