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.
The Division of Work
You Set the Terms. We Handle the Rest.
Your practice makes every approval decision. VetBilling manages everything after the plan is submitted.
| Your Practice Decides | VetBilling Handles |
|---|---|
| Which pet owners are offered a plan | Automated recurring payment processing |
| Deposit requirements | Deposit requirements |
| Repayment terms and approval criteria | Payment troubleshooting and resolution |
| Plan length limits | Payment continuity when cards expire or change |
| Optional credit bureau reporting | Ongoing plan management until paid in full |
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.
Offer VetBilling when a client needs more time to pay.
Every clinic team knows this moment: the plan is right, but the full balance is more than the client can manage today. VetBilling lets your practice offer a payment plan directly: no credit check, no lender application, no outside approval.
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.
Membership & Subscription Plans
Packages for chronic illness, rehab, telemedicine, or laser therapy: with installment billing built in.
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 Proof
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.
235%
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
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 | ||
Premium Feature
Credit Score Recommendation
The Premium plan includes our proprietary Credit Score Recommendation: unlimited soft credit checks with guidance on deposit amounts and plan terms for successful repayment.
Who We Help
Built for Every Practice. Because of Every Pet.
The system is the same across every practice type. The policies are yours to set.
Independent General Practices
Set your own guidelines and choose the plan type that fits the situation. VetBilling takes care of the rest.
Emergency + Critical Care
Offer plans at the moment of need, with optional credit guidance for added insight. Remote enrollment lets the pet owner sign from anywhere.
Specialty Clinics
Pet owners can move forward with higher-cost care when payment plans are available. Optional credit guidance adds repayment insight when needed.
Multi-Doctor + Multi-Location
Pending Confirmation Centralized reporting with location-level policy control. Each clinic maintains its own approval criteria.
For Veterinary Nonprofits
VetBilling helps nonprofit clinics stretch donor dollars further. When a pet owner can repay over time, nonprofits can offer a payment plan instead of spending grant funds on the full bill.
Source: Frontiers in Veterinary Science study · 21,225 accounts · 397 clinics
14.5x
more care than full grants alone
For Pet Owners
VetBilling payment plans are offered through participating practices nationwide. If paying in full isn’t possible, ask your veterinary team about a payment plan. Plans come from your practice, not an outside lender.
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. A VetBilling team member then covers deposit requirements, plan types, approval criteria, and how to present plans to clients.
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
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.