Offer pay over time with flexible payment plans on any balance from the billing system you already use. The patient applies in under two minutes; you're paid in full when the payment plan funds.
Open the provider portalTalk to usFees are carried on the payment plan. Live rates: EMRfi 2.9% of the balance; payment processing 6% + 30¢. Affirm terms from 3 to 36 months, subject to eligibility.
Your billing lead verifies the organization once, inside the portal. Payments settle directly to your account; EMRfi never holds your funds.
From the portal, your billing system, or your patient portal. The page carries your name, logo, and colors.
Affirm approves the patient in about ninety seconds. Your system receives a signed notification and the account is settled in full.
EMRfi is paid from the payment plan, not from your payout. There's no license, no setup fee, and no minimum volume. If a patient doesn't choose to pay over time, nothing is charged to anyone.
| On a $1,500 balance | Amount |
|---|---|
| Balance owed to you | $1,500.00 |
| EMRfi service fee (2.9%) | $43.50 |
| Payment processing (6% + 30¢) | $98.84 |
| Patient pays over time | $1,642.34 |
| Deposited to your bank | $1,500.00 |
Illustrative; the calculator above uses the same live rates. Organizations that prefer to absorb fees so patients pay exactly the balance can choose that in the portal.
Create a pay-over-time link with a single request and get a signed webhook when it funds. No patient health information ever leaves your system; EMRfi sees an amount and your reference number.
POST https://api.emrfi.com/api/partner/financing-sessions
Authorization: Bearer YOUR_API_KEY
{ "amountCents": 150000,
"externalRef": "ENC-48213",
"description": "Visit balance, Sept 14" }
→ { "url": "https://emrfi.com/pay/…",
"patientTotalCents": 164234,
"providerNetCents": 150000 }
Every organization is its own Stripe account. Card and bank data never touch EMRfi.
The lender (Affirm or Sunbit) provides the payment plan and handles the application, disclosures, and servicing.
We store an amount and your reference number. No diagnoses, no chart data.
Data is encrypted in transit (TLS) and at rest (AES-256-GCM), including nightly backups.
A funded payment plan can be reversed from the portal, fees included, if a balance changes.
Works with
Payments are processed by Stripe. Pay over time is offered through Affirm and Sunbit, subject to eligibility; each lender makes its own credit decision. EMRfi does not extend credit.