About Us | Fractal Pay New

Fractal Pay is a family-centric healthcare payments platform

We help families and friends coordinate and share and settle medical bills.

Patients share medical invoices with family members, track contributions in real time, and settle providers through regulated banking rails.

Origin Story

Australian families pay over $35 billion a year in out-of-pocket healthcare costs. Bills are large, fragmented across providers, and often shared between parents, adult children, and extended family. Yet the payment system remains individual, opaque, and uncoordinated.

Families already step in to help. They just do it through bank transfers, text messages, spreadsheets, and short-term credit.

Fractal Pay is a healthcare-specific payments layer that lets families pool, split, track, and settle medical bills in a structured and compliant way. We don’t lend. We don’t underwrite distress. We coordinate funds families already intend to contribute while giving providers greater payment certainty.

Healthcare costs are rising. Families are carrying more of the burden.
Fractal Pay makes that reality organized, transparent, and workable.

70% would use a healthcare-specific bill-sharing app.

60% delayed or avoided healthcare due to cost.

Most bills involve 1–3 contributors (built-in virality).

Patients face an average largest out-of-pocket cost of A$1,400

Problem

Healthcare payments were never designed for multi-party responsibility. As costs rise and care becomes more complex, families increasingly share the burden yet payment infrastructure remains individual, opaque, and fragmented across providers.

What We Do

Fractal Pay is a healthcare-specific payments coordination layer. It does not replace banks, insurers, or providers it connects them through a structured workflow that reflects how families already pay for care.

Patients invite family/supporters to contribute

Bills are uploaded or issued into Fractal Pay.

Providers receive settlement once funded through partner rails.

Contributions are tracked transparently in one place.

Who it’s for:

Families & supporters

Share healthcare costs with visibility and less awkwardness.
Track what’s owed, paid, and outstanding.

Providers

Reduce chasing, partial payments, and admin follow-up.
Improve payment certainty and reconciliation.

Trust

We intentionally operate under hosted licensing arrangements and regulated partners to reduce early-stage risk while building institutional-grade governance from day one.

Designed for hosted AFSL/ACL access rather than early self‑licensing

Funds held and issued by regulated partners, Fractal Pay orchestrates

AUSTRAC / AML program delivered via regulated KYC/AML partners