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60% of patients delay or avoid care due to cost but
When a child needs surgery…
When a parent needs treatment…
When a sibling is unwell…
Families need a central platform because support breaks down without structure
The problem isn’t willingness.
The problem is coordination and transparency.
the truth about health care
We Provide the Structure
Love is priceless. Payments are not
40% of large bills involve cost-sharing with 1-3 contributors.
Families want to help but today it looks like:
Manual bank transfers
Awkward phone calls
Screenshot confirmations
Partial payments
Admin chasing
The intent is there
The structure is missing.
Fractal Pay provides the structure.
why this Matters for your practice
Reduced no-show risk
Fewer deferred elective procedures
Greater booking confidence
Improved gap payment conversion
why partner with fractal pay
Fewer Manual Reminders
Replace chasing and uncertainty with structured funding progress.
Reduced Short Payments
Patients can pre-fund expected gaps with family support.
Clear Reconciliation
Structured settlement to your nominated account with export-ready reporting.
No New Credit Products
This is not BNPL.
Fractal Pay coordinates funds families already intend to contribute.
How it Fits
Create an invoice or estate in the Fractal Pay portal or via integration.
The patient receives it in their app and chooses how to split and fund it.
Family members contribute, typically 1–3 per bill, until the invoice is funded.
Fractal Pay settles funds to your nominated account, with references and reporting.
provider dashboard features
Built for practice managers who need visibility, not inspiration.
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Invoice creation and status tracking
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View funding progress in real time• Contributor summary (appropriate privacy level)
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Export for PMS or accounting software
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Settlement tracking
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Option to wave the remaining gap if not fulfilled in full.
Clear structure. Less admin. More private conversions.
case example
Specialist Practice – Elective Surgery
Before Fractal Pay:
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Fragmented billing
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Family transfers via ad hoc methods
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High short-payment risk
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Admin burden
With Fractal Pay:
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Expected gap shared transparently
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Family contributions structured before procedure date
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Clear funding visibility
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Fewer unpaid invoices
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Remaining fee can be waved easily by provider if requested.
When families can see the bill, they are more willing to contribute.
Transparency increases participation.
the real Opportunity
Healthcare affordability is universal:
• Insured families face larger gaps and borrow.
• Uninsured patients delay care.
• Lack of Transparency prevents consistent contributions
Fractal Pay addresses all three:
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Cost
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Coordination
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Transparency
2026 Founding Provider Cohort
We are selecting 10 private practices to participate in our structured pilot.
Each selected practice receives:
12 months complimentary access (valued at $5,000)
Dedicated onboarding support
Priority roadmap input
Early positioning as a Founding Practice
This is an application-based program.
