Onfire Health

Functional medicine and longevity practices sell multi-visit programs and protocols that often cost thousands of dollars upfront, which causes clients to decline care at checkout. The page states that typical BNPL platforms decline 25-35% of applicants in healthcare contexts, and a decline at the moment a client commits to a care plan tends to end the relationship rather than create a reschedule. It cites an example where losing 30 of 100 applicants at a $2,500 average program value costs a practice $75K in lost revenue before any processing fees are paid. Existing tools like BNPL and health credit cards also carry hard credit pulls, deferred-interest traps, and APRs of 15-35%, none of which fit care that is delivered over months rather than sold as a single e-commerce transaction.

Onfire Health lets clinics bundle their programs, diagnostics, and protocols into 'Care Bundles' that members access through a monthly membership subscription rather than a large upfront payment. Onfire purchases approved bundles from the practice on the member's behalf and pays the practice directly as care happens, while the member pays 0% interest over up to 12 months since it is structured as a membership rather than a loan. Joining requires only a soft credit check with no impact to the client's credit score. At checkout, clients can choose 'Pay Now' (card, ACH, or HSA/FSA at the practice's processing rate) or 'Pay in Installments' via Onfire membership, both running through the same Onfire Health Checkout. Practices can also draw cash advances against future member receivables to cover upfront costs like labs or kits, and pricing includes a no-monthly-fee Standard tier (4.5% per transaction) and a Premium tier ($50/mo per location, or $39/mo billed annually) that lowers Pay-in-Full processing to 2.9% with 4.5% on installments.