Flywire vs Paytient
Two Patient Payments & Billing vendors, side by side. Facts from public sources; judgments are ours.
At a glance
Derived from public facts · a rough scale, not a ranking
| Flywire | Paytient | |
|---|---|---|
| Pricing model | Per-transaction / per-chart · Payment processing fees, quote only | Subscription (per user or PMPM) · Published per-employee monthly pricing, low single digits |
| Speed to go live | Deep Epic payment workflow integration | Benefit enrollment plus payroll deduction setup |
| Automation model | Software platform · Patient payments embedded in MyChart | Tech-enabled service · Interest-free health payment card |
| Built for | Enterprise systems | Payers |
| Security posture | SOC 2 Type II, PCI DSS, HITRUST, HIPAA | SOC 2 Type II |
| Company maturity | 17 yrs (est. 2009) | 8 yrs (est. 2018) |
| Financial backing | Public (NASDAQ: FLYW) | $63M+ ($55.5M equity plus debt financing) · Series B |
| Named customers | 2 named | 5 named |
| Published results | Specific numbers public | No public numbers |
| Documented integrations | 1 listed | None documented |
| Third-party validation | KLAS / analyst cited | None found |
Bottom line
- Pick Flywire if you're a health system on Epic that wants patient payments and affordable payment plans embedded directly in MyChart and Resolute.
- Pick Paytient if you're an employer or health plan trying to soften high deductibles with interest-free payment accounts your members actually use.
Flywire
Public payments company with a healthcare affordability arm
- Founded
- 2009
- HQ
- Boston, MA
- Stage
- Public (NASDAQ: FLYW)
- Raised
- $263M pre-IPO
What it does
- Digital patient billing and payment portal
- Analytics-driven patient outreach and engagement
- Self-service payment plans, provider-funded or financed
- Integrated non-recourse financing up to 60 months
- Cross-border payments in 140+ currencies
Where it's strong
- Public-company scale and financial transparency, with proven deployments at very large systems like Banner Health and CommonSpirit.
- The affordability suite lets providers offer long payment plans without carrying receivables, since financed plans are funded non-recourse.
- A Forrester Total Economic Impact study commissioned by Flywire found clients can reach a 269% ROI.
What buyers should weigh
- Healthcare is one of four verticals alongside education, travel, and B2B, and recent capital went to travel (the $330M Sertifi deal), so healthcare is not the company's center of gravity.
- It covers patient payments and engagement, not claims, denials, or payer-side revenue cycle work, so you still need other RCM tooling.
- Best suited to large systems with high patient-pay volume; smaller groups may not justify the platform.
Named customers
Banner Health · CommonSpirit Health
Integrations
Paytient
Health payment accounts to pay medical bills over time
- Founded
- 2018
- HQ
- Columbia, MO
- Stage
- Series B
- Raised
- $63M+ ($55.5M equity plus debt financing)
What it does
- Health Payment Account card usable at point of care
- Interest-free repayment plans members set themselves
- No fees or credit checks for members
- Covers medical, dental, vision, pharmacy, and vet expenses
- Sponsor dashboard and utilization reporting
Where it's strong
- Members get a way to afford care without interest-bearing debt, which supports plan designs with higher deductibles.
- Sponsor-paid model means employees pay nothing to use it, driving adoption.
- Proven with large sponsors: 700 enterprise partners including Centene and Cigna.
What buyers should weigh
- The sponsor pays the fees, so ROI depends on measurable gains in care access, retention, or plan migration.
- It smooths bills rather than lowering them; it does not address underlying prices or billing errors.
- Value is limited for populations with low deductibles or minimal out-of-pocket exposure.
Named customers
Centene · Cigna · Coupe Health · Beta Health · R.R. Donnelley
Compare against the rest of Patient Payments & Billing
Deciding between these two?
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