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Families
Sharing healthcare costs with parents, children, or siblings.
Providers
Reducing bad debt, admin, and payment delays.
For Families
Healthcare costs don’t belong to one person anymore.
Fractal Pay makes it easy to share medical bills transparently so everyone knows what’s owed, what’s paid, and what remains.
Bills arrives
Family invited
Everyone decides their share
Provider gets paid
For Providers
Better payment options = increased security in payments
Before Fractal Pay:
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Partial payments
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Chasing patients for payments
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Long receivables
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Increased public waitlist.
With Fractal Pay:
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Upfront commitment
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Family co-ordination handled
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One settlement fee
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Reduced bed debt.
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Increase access to private healthcare.
How It Works
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Bring healthcare bills into one place.
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Medical invoices from different providers can be uploaded or issued into Fractal Pay for a clear, shared view.
Bills
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Share costs with family transparently.
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Patients invite family members or supporters to contribute, everyone sees what the bill is for and what has been committed.
Sharing
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Coordinate contributions before payment.
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Fractal Pay tracks commitments and payment status so families can fund healthcare costs together without confusion.
Payment coordination
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Settle providers through regulated banking rails
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Once contributions are confirmed, Fractal Pay coordinates payment directly to the provider using existing banking infrastructure.
Provider settlement
Why Fractal Pay
Fractal Pay gives families one clear place to manage healthcare expenses together. Bills are visible, contributions are coordinated, and payments are settled without confusion so families can focus on care, and providers can rely on being paid.
The Problem
Medical bills are fragmented across providers, difficult to share, and lack clear visibility for families and clinics.
The Challenge & Our Unified Solution
The Solution
A single platform to coordinate healthcare bills, share costs transparently, and ensure providers are paid in full.
Who Benefits from FractalPay?
Modern Families
Modern Families
Flexible, transparent payment plans that remove financial stress, simplify coordination across family members, and make private healthcare more accessible when it matters most.
Healthcare Providers
Healthcare providers
Secure, upfront payments that reduce administrative burden, improve cash flow, and allow providers to focus on delivering care—not chasing receivables.
Infrastructure
Infrastructure
Reduce the pressure on an already overburdened public healthcare system
What We Do
Connect & Sync
Securely link your bank accounts and family members to the unified dashboard.
Automate & Track
Set up automated payments and let our smart tracker categorize your spending instantly.
Pay & Simplify
Make compliant payments to providers directly from the platform. Enjoy true financial clarity.
Designed for real families with real payment difficulties.
70% - customers would use a healthcare -specific bill-sharing platform.
$1400 – on average, the largest out of pocket expense per annum.
1-3 constributors, typical number of family members involved in paying for a major healthcare bill.
Designed for Trust in Healthcare Payments
Fractal Pay is built to operate within existing Australian financial and privacy frameworks, using regulated partners for custody, settlement, and compliance
Secure by Design
Modern encryption, access controls, and audit logging aligned with financial-services best practice.
KYC / AML via Regulated Partners
Identity verification and transaction monitoring are delivered through licensed banking and payments partners.
Healthcare-Sensitive Data Handling
Designed to align with Australian Privacy Principles for healthcare-adjacent billing data.
Australian Regulatory Alignment
Structured to operate under hosted AFSL/ACL arrangements and AUSTRAC reporting frameworks.