How VetBilling Payment Plans Work
Less to Carry.
More Care Moving Forward.
When you sign up with VetBilling, we do the lifting.
No more manual tracking. No more chasing payments. No more conversations with no good answer. Just a system that works, and a team with something to offer.
Clinic-Centered
You Set the Terms. We Handle the Rest.
Your practice decides who to help and how to structure the plan. VetBilling provides the platform and manages the plan through final payment.
You Stay in Control
Your practice decides who to help and how to structure each plan.
Choose the client
You decide when a VetBilling plan is appropriate.
Set the terms
Choose the down payment, payment frequency, and payback period.
Set your own guidelines
Create payment-plan policies that fit your practice, with our help if you want it.
We Manage the Plan
VetBilling provides the platform and manages the payment plan from enrollment through final payment.
Process & monitor payments
We manage scheduled payments and watch for issues that need attention.
Support your clients
We handle payment questions, failed payments, account changes, and other plan-related customer service.
Handle follow-up & payment recovery
If payments become past due, we manage the follow-up and recovery process on your behalf.
VetBilling is a practice-controlled veterinary payment plan system. The practice sets its own approval criteria, payment terms, and plan parameters. VetBilling manages billing, payment tracking, and repayment management on the practice’s behalf.
A Frontiers in Veterinary Science study analyzing six years of VetBilling data found that 93.8% of plans are repaid in full.
Step by Step
Offering a Plan Takes Three Steps
Once onboarding is complete, the workflow is the same for every member of your team.
Introduce VetBilling when a client needs another way to pay.
If third-party financing isn’t the right fit, your team doesn’t have to scramble for a workaround. No more relying on outside approval for care to move forward. You’re in control.
The pet owner enrolls from their own device, wherever they are.
Your team sends a secure enrollment link by text or email. The pet owner signs digitally, from anywhere: no paperwork, no bottleneck at checkout.
VetBilling manages the plan from there.
Payment processing, tracking, follow-up, and account support: all handled through final payoff. Your team can check status anytime in the dashboard.
What Happens Next
After the Plan Is Submitted
The plan does not go into a "black box."
Every account has a defined process behind it.
- Automated payment processing on each scheduled payment date
- Card update tools that can prevent payment disruption due to card changes
- Payment troubleshooting, follow-up, and resolution
- Consistent outreach to clients when accounts need attention
- Full payment recovery support when additional action is needed
- Real-time account status anytime through your VetBilling dashboard
- Optional credit bureau reporting
93.8%
of plans repaid in full
Frontiers in Veterinary Science: six years of VetBilling data across 21,225 accounts and 397 veterinary clinics.
95.1%
repayment rate when the optional Credit Score Recommendation is used
Plan Types
Six Types of Plans. One System.
Most practices start with Managed Payment Plans. The rest are available when your client mix calls for them.
Managed Payment Plans
For pet owners who can't pay in full today. VetBilling manages billing, tracking, and follow-up. No credit check required.
Wellness Plan Payment Management
Tired of chasing failed wellness plan payments in your PIMS? Let VetBilling handle it.
Prepayment (Pay-in-Advance) Plans
Spread the cost of a scheduled procedure in advance: dentals, spay/neuter, mass removals, and planned care.
Custom Care Programs
Create your own packages for chronic disease management, rehab, concierge care, and more. We manage recurring billing and account support.
Pet Savings Accounts
Ideal for "frequent-flier" clients who want to set aside funds for recurring veterinary care.
Employee Payment & Savings Plans
Structured plans for your team: without payroll deductions or unpaid balance risk.
The Results
What Practices See After They Start
The first plan is usually the one that changes everything. The fear that was there before isn't there anymore.
Lake Road Animal Hospital · New York · 5-Doctor Practice
Practice Manager Carrie Bowgren had been trying to improve dental compliance for years: promotions, discounts, Yeti tumbler giveaways. Nothing moved the needle.
She decided to show every client what the dental estimate looked like spread over three or six months, printed automatically with every estimate.
She called it a leap of faith. Dental compliance improved significantly within six months: without discounting a single procedure, more pets received the dental care their doctors had recommended.
“People were saying yes to pet dental procedures where they had always said no. What surprised me most was that many clients didn’t even end up needing a payment plan. Just knowing the option was available gave them the confidence to move forward.”
Carrie Bowgren
Clients weren’t saying no to dental care. They were saying no to the full amount due that day. Giving them a path forward changed the conversation.
135%
Revenue growth from $2.9M to $6.8M between 2017–2023 at a Midwest general and urgent care practice: running over 1,000 VetBilling payment plans throughout.
Source: verified VetBilling case study
Results from a six-year analysis of VetBilling payment plans published in Frontiers in Veterinary Science:
93.8%
of payment plans repaid in full
95.1%
repayment rate with
Credit Score Recommendation
21,225
accounts across 397 veterinary clinics
Our Pricing
Simple, Transparent Pricing
Flat monthly subscription. Experienced human support team included. No setup fees. No percentage-based fees on each payment.*
*Standard card processing fees may apply. Automatic card updates available when supported by the card issuer.
| What's Included | Basic | Premium |
|---|---|---|
| Monthly subscription | $69/mo | $89/mo |
| Access to all VetBilling plan types | ||
| Automated recurring payment processing | ||
| Payment troubleshooting, follow-up, and resolution | ||
| Automatic card updates to prevent payment disruptions | ||
| Client support for payment plan account holders | ||
| Payment recovery services when additional action is needed | ||
| On-demand financial reports and performance analysis | ||
| Unlimited payment contract adjustments | ||
| Built-in security and fraud prevention | ||
| Optional credit bureau reporting | ||
| VetBilling transaction fee | None | None |
| Setup fee | None | None |
| Credit Score Recommendation: Premium Only | ||
| Unlimited soft credit checks | ||
| Instant risk assessment | ||
| Deposit and payback period recommendations | ||
Common Questions
Common Questions About VetBilling
How does VetBilling work?
Your practice decides when to offer a payment plan and sets the terms. The pet owner enrolls digitally, and VetBilling manages scheduled payments, tracking, troubleshooting, and follow-up.
Does my team have to manage billing or track payments?
No. Once a plan is submitted, VetBilling manages the entire plan lifecycle. Your team can view status and activity in the dashboard: no manual tracking required.
What happens if a pet owner misses a payment?
VetBilling handles it directly. Our system automatically retries payments and troubleshoots problems on the clinic’s behalf. Your team won’t be pulled into follow-up.
What if a pet owner's card changes or expires?
VetBilling can automatically or manually update card changes to reduce avoidable payment disruptions. No action required on your part.
Does VetBilling require a credit check?
No credit check is required to offer a payment plan. Your practice sets approval criteria. The Premium plan includes the Credit Score Recommendation feature for additional repayment-risk insight.
How long does setup take?
Most practices complete setup within one business day: service agreement, bank connection, and account activation. During onboarding, a member of VetBilling’s client support team will provide comprehensive training on how to use the platform, offer and structure plans, talk with clients, monitor account activity, review reports, and get support when questions come up.
What plan types can my practice offer?
VetBilling supports payment plans, pay-in-advance plans, pet savings accounts, and staff payment plans. Custom plans are available. Have an idea? Just ask.
What does VetBilling cost?
Standard plans start at $69/month; Premium is $89/month and includes the Credit Score Recommendation feature. No per-transaction fees. Card processing fees may apply.
Does VetBilling work with our practice management software?
VetBilling runs alongside your existing PIMS. No integration required. No workflow changes needed.
Can we use VetBilling alongside CareCredit?
Yes. Many practices use VetBilling as their primary payment plan system and continue using third-party financing as a secondary option. VetBilling can be offered to any pet owner regardless of credit qualification.
When you sign up with VetBilling, we do the lifting.
schedule a demo
Let's Explore What Payment Flexibility Could Look Like in Your Practice
They might be longtime clients, dedicated pet owners on fixed incomes, young adults with new pets, or families who have trusted your practice for years. When they need an alternative to third-party financing, you don’t want “we’re out of options” to be where the care conversation stops.
VetBilling gives you the flexibility to deliver more care while protecting your practice’s time, revenue, and relationships.
After you submit the form, we’ll contact you within one business day to schedule a demo. We’ll show you how VetBilling works, answer your questions, and talk through whether what we offer aligns with the way you want to deliver care.