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Founded Year



Debt | Alive

Total Raised


Last Raised

$7.5M | 5 mos ago

About Paytient

Paytient operates an employee benefits platform to increase deductible health plan adoption. The company's platform allows employees to pay any medical, dental, vision, or veterinary bill over time via interest-free, payroll-deducted payment plans. It was founded in 2018 and is based in Columbia, Missouri.

Headquarters Location

1601 S. Providence Road

Columbia, Missouri, 65211,

United States


Paytient's Product Videos

ESPs containing Paytient

The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.

Healthcare & Life Sciences / Health Insurance & RCM Tech

The patient payments market refers to the technologies and platforms that enable healthcare providers to collect payments from patients. This includes online payment portals, mobile payment apps, and other digital tools that make it easier for patients to pay their medical bills. These solutions are becoming increasingly important as patients are now responsible for a larger portion of their healt…

Paytient named as Challenger among 10 other companies, including Cedar, PatientFi, and Waystar.

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Expert Collections containing Paytient

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Paytient is included in 3 Expert Collections, including Silicon Valley Bank's Fintech Network.


Silicon Valley Bank's Fintech Network

88 items

We mapped out some of SVB's biggest clients, partnerships, and sectors that it serves using CB Insights’ business relationship data from SVB’s profile to uncover just how important it is to the fintech universe. The list is not exhaustive.



7,985 items

US-based companies



2,676 items

Companies and startups in this collection enable consumers, businesses, and governments to pay each other - online and at the physical point-of-sale.

Latest Paytient News

How Health Payment Accounts Improve Health Equity

May 19, 2023

How Health Payment Accounts Improve Health Equity Brian Whorley, Founder and CEO of Paytient In 2022, 38 percent of Americans reported delaying medical care—a 20-year high. But as with many things, the burden of paying for healthcare doesn’t affect all Americans equally. Lower-income communities, for example, tend to have higher incidences of disease and therefore a greater need for healthcare. And in a vicious catch-22, those with lower incomes, Black and Hispanic adults, and women often have health benefits mis-sized to their income, which contributes to higher incidences of delayed or forgone care . If we seek to make healthcare more equitable , we must ensure people have the right-sized ability to pay for care that fits alongside their insurance card. A new style of employee benefit known as Health Payment Accounts (HPAs) gives employers a better way to protect and ensure the financial health of employees when they get sick. What Is a Health Payment Account? Health Payment Accounts (HPAs) were conceived as a way to help everyone access and afford care by giving them a new source of funding and the flexibility to pay for care over time. The HPA is interest-free credit structured as a benefit and built into the health plan. Sponsored by the employer, the HPA fills in the deductible and is a painkiller for the frustrations and anxiety of out-of-pocket costs. Employees can simply use their HPA card to turn a $200 copay into twenty payments of $10. They can also choose the funding source (payroll deduction or a linked bank account) and repayment timeline that works best for their budget. They can also make a payment from an HSA account if they’d like to use tax-advantaged dollars to pay for care. There are no interest charges or fees associated with HPA transactions because the cards are sponsored by employers, health insurers, and hospital systems. Importantly, there is no credit check required for members to get their card, which boosts health equity by ensuring employees can use the HPA regardless of credit history. By affording everyone the same opportunity to get care, HPAs cure the regressive nature of deductibles and encourage earlier visits to doctors, dentists, therapists, and so much more. This reduces the likelihood of severe claims, improves productivity, boosts retention, and puts less pressure on health benefit prices in subsequent years. HPAs Improve Health Equity 75 percent of Americans grade the affordability of healthcare in the US as a D or F.  And high costs are a leading reason why. In fact, the average annual deductible for individual coverage is, on its own, nearly $2,000 . That makes a single unexpected medical event financially untenable for many of the 57 percent of Americans who can’t afford a $1,000 emergency expense. To help address this and manage costs, traditionally-minded employers may choose to offer employees high-deductible plans with health savings accounts (HSAs). It’s a time-tested option. But a 2022 report showed that 60% of HSA accounts have a balance of less than $1,000 – well below the $2,800 annual deductible currently required for HSA eligibility. According to the Kaiser Family Foundation , financial realities like these have led four in ten Americans to carry debt due to medical bills. With lower income workers – those most likely to be on high deductible plans – disproportionately affected. The fact is, even the methods traditionally relied on to promote affordable access to care are often found to be out of reach by those who most need them. A health payment account (HPA), however, is a proactive, equitable solution to help cover medical costs regardless of a patient’s insurance plan, deductible, or personal savings. With an HPA, patients can pay for care over time without fees or interest. Employers offering HPAs will establish the credit limit, typically ranging from $500 to $5,000, on their employees’ HPA cards. Employees can then use these cards to pay for healthcare-related out-of-pocket expenses up to the set limit. This enables employees to receive necessary care without postponing it or resorting to high-interest credit cards, which can be more expensive in the long term. And HPAs can then be repaid through adaptable repayment schedules linked to an employee’s payroll. Healthier Employees Are More Engaged and Productive Nobody does their best work when they’re sick. But in America’s healthcare reality, it’s not just sickness itself that can tank employee productivity: those with financial worries miss more work, are less engaged, and are less productive in their jobs. Increasingly, we are in discussions with employers who see their role as evolving beyond checking the box with health benefits to becoming an active architect of population health. Rather than simply transferring risk, they are seeking real solutions that more equitably reduce risk in the first place. The HPA is something that has a tangible, measurable, disproportionate impact on historically vulnerable populations—the people who could benefit most from being lifted to a position where they can proactively manage their healthcare costs. About Brian Whorley Brian Whorley is the founder and CEO of Paytient , a company which helps people access and afford care. Prior to Paytient, Brian was Director of Business Development and Planning at Boone Hospital Center.

Paytient Frequently Asked Questions (FAQ)

  • When was Paytient founded?

    Paytient was founded in 2018.

  • Where is Paytient's headquarters?

    Paytient's headquarters is located at 1601 S. Providence Road, Columbia.

  • What is Paytient's latest funding round?

    Paytient's latest funding round is Debt.

  • How much did Paytient raise?

    Paytient raised a total of $65.42M.

  • Who are the investors of Paytient?

    Investors of Paytient include Inspired Capital, Mercato Partners, Silicon Valley Bank, Felicis, Lightbank and 12 more.

  • Who are Paytient's competitors?

    Competitors of Paytient include Cedar and 5 more.

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