Practice-Controlled Veterinary Payment Plans
You went into veterinary medicine to say yes.
VetBilling helps you do it.
Practice-controlled veterinary payment plans and access-to-care infrastructure for veterinary teams who want to help more pets get care.
the problem we solve
Care Stalls When Affordability Gets Complicated
Clients Delay Treatment
Teams scramble for options. Traditional financing tools don’t work for every pet owner, and inconsistent in-house systems create operational strain for practices.
Practices Are Forced to Balance Care With Financial Risk
They adjust the estimate before it’s printed. They omit the bloodwork. They say “let’s watch it” when they mean something else.
Veterinary Teams Want to Help Without Losing Control
Some of the hardest moments in veterinary medicine happen when clients want care but cannot move forward financially.
What VetBilling makes possible
Four Things That Change When Your Practice Says Yes
"You can almost see the weight lifted off an owner's shoulders when you tell them it's an option."
Rachel Jensen, CSNIP
Wellness Manager, CSNIP
More Pets Get the Care You Actually Recommended
Help more clients move forward with treatment instead of delaying care because of cost.
Your Rules
Your Relationships
Your practice decides how payment plans work, not a third-party lender.
More Realized Revenue
Capture revenue that might otherwise be delayed, declined, or written off.
Your Team Stops Dreading the Money Conversation
Give staff a consistent system for affordability conversations while reducing administrative burden.
How it Works
Here's What It Looks Like When A Practice Says Yes
Most practices are up and running within a day. Once you're set up, the conversation with a client changes.
Set Your Parameters
Your practice sets policies: terms, criteria, structures. You decide what works for your clients and your practice.
Set Up a Plan in Minutes
Send a secure link to the client’s device. They complete the payment agreement and choose from plan options within your practice’s guidelines.
VetBilling Manages the Rest
Billing, payment management, reporting. Your team never chases anyone. We handle everything after the plan is set.
practices that said yes
Real Results
Real Relationships
“It increases access to care, but it’s also a good business decision. Without payment plans, clients simply could not spend with us.”
Dr. Kelsey Bertamus
Hospital Director
Mission Animal Hospital
Generated per month by a Minnesota practice with 8 DVMs, having served over 2,400 new clients in 15 months.
“VetBilling not only gave us a better payment plan process but a better foundation upon which to base all of our financial policies.”
Sarah Eastman
Practice Manager
River Valley Veterinary Hospital
VetBilling is Designed to Help Practices Deliver Care
The relationship stays with you.
When VetBilling is part of your practice, the relationship between you and your client stays exactly where it belongs. With you.
| Feature | Credit-Based Financing | VetBilling |
|---|---|---|
| No credit check required | ||
| Practice controls approvals | ||
| Client relationship stays with you | ||
| Billing & payment management handled | ||
| Veterinary-only focus | ||
| Practice controls plan terms | ||
| No merchant fee to the clinic |
93%
Repayment rate across
VetBilling practices
235%
Revenue growth at a
Midwest partner practice
Why We Built This
“I was one of those clients. My schnauzer got very sick. I had a job. I was willing to pay. But I was going through a divorce and didn’t qualify for financing. Later, I learned I had been essentially ‘credit invisible.’ I didn’t have enough credit history in my own name for the system to see me.
My dog recovered. But I couldn’t stop thinking about how many other people were probably sitting in that same exam room, loving their pet, wanting to say yes, and running out of options.
That became the reason we built VetBilling. Not a payment product. A system that lets the practice say yes, on its own terms, with the relationship staying where it belongs.”
Suzanne Cannon
Co-Founder, VetBilling
Client Story
$164,000
A 24-hour West Virginia clinic generated $164,000 in additional revenue by serving over 120 clients who couldn’t qualify for traditional financing.
Common Questions
Common Questions
About
VetBilling
What is VetBilling and how is it different from CareCredit?
VetBilling is a practice-controlled payment system, not a third-party financing product. Your clinic controls approvals, payment structures, and client relationships while VetBilling manages billing, payment processing, account maintenance, and all customer support.
Does VetBilling replace the financing tools we already offer?
No. VetBilling runs parallel to CareCredit, Cherry, and any other credit-based financing you already offer. Some pet owners qualify for those tools. Some don’t. VetBilling is there for the ones who don’t.
How much does VetBilling cost?
Pricing is based on your practice needs and the level of support required. Your monthly fee covers the work most busy teams don’t have time to manage: payment setup and processing, tracking, resolving missed payments, and client communication, all handled by VetBilling’s payment support team so yours doesn’t have to. Contact us for a customized quote.
What happens if clients don't make their payments?
VetBilling is built to stay on top of missed or failed payments. When a payment issue occurs, our systems flag it quickly and move it through a structured follow-up process, with VetBilling’s payment support team stepping in when personal attention is needed. Your team does not have to chase clients, and your practice can track payment plan status in real time via our platform’s reporting features.
What are the benefits for the pet owner?
They hear that there’s a path forward and most of them take it. They don’t fill out a credit application. They make a plan with your practice and they go home with care moving forward. That’s the whole point.
Do clients need a credit check to use a VetBilling payment plan?
Your practice approves payment plans based on your own criteria and client knowledge, not credit scores. This removes third-party barriers that often stop care before it starts. An optional soft credit check service is also available for additional insights.
How long does it take to implement VetBilling?
Most practices are up and running within a day. Implementation is designed to be fast and low-friction, requiring minimal disruption to your existing workflows.
Won't offering payment plans increase our accounts receivable?
Yes, payment plans create receivables, but those receivables build a bridge that allows care to move forward for clients who need alternatives to third-party financing. VetBilling’s goal is to help your practice capture revenue from care that might otherwise be declined, delayed, or lost.
With VetBilling, outstanding balances are handled entirely by our team. The average payback period for plans is only about 7 months, so any A/R you’re holding is cleared relatively quickly, rather than sitting indefinitely and turning into unmanaged bad debt.
What kind of ROI can we expect?
Most practices experience positive cash flow from payment plans immediately when VetBilling best practices are followed. Properly structured down payments can cover direct costs upfront, making future installments profitable revenue from day one. The return comes from four areas: more cases moving forward instead of being declined, immediate positive cash flow through structured down payments, predictable A/R through professionally managed payment plans, and less administrative work for your team. Our case studies show what this looks like in practice.
schedule a demo
Let's Explore What Payment Flexibility Could Look Like in Your Practice
After you submit the form, we’ll contact you within one business day to schedule a 30-minute demo. We’ll walk you through how VetBilling-managed payment plans work in a practice like yours, so you can see how a structured approach to flexible in-house payment options helps more clients move forward with care while protecting your practice’s time, revenue, and client relationships.
You’ll walk away with a clear sense of whether VetBilling is the right fit for your practice, your clients, and the way you want to deliver care.
We'll follow up within one business day. No commitment required.
Demo Request Form
