How It Works: BillFlash FlexPay

FlexPay, powered by Sunbit, ensures providers get paid in full right away, while offering patients the flexibility to pay their balance in monthly installments. 

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How FlexPay Works

Enrollment:

  • Once you request the service, one of our friendly NexTrust representatives will reach out to guide you through a smooth and easy enrollment process.
  • We'll need a few details about your business to confirm your eligibility.
  • FlexPay is exclusively available for Medical and Dental practices.
  • We'll send you eye-catching in-office brochures to share with your patients, making it a breeze to promote FlexPay and enhance the patient experience!
  • For Billing Services: The practice seeing the patient must complete the FlexPay enrollment. You'll receive a link to share with each of your practices, enabling them to complete the enrollment process effortlessly.
 

Pricing:

  • Flat Rate for Medical Practices: Ambulatory medical practices will enjoy a simple 6% flat rate, conveniently deducted from each deposit into your bank account.
  • Custom Rates for Dental Practices: Dental practices will receive a tailored rate, provided by a NexTrust (Sunbit) representative before completing enrollment.
  • Hospitals, Give Us a Call: Hospitals should reach out directly for personalized pricing information.
  • Flexible Financing for Patients: All approved patients will get at least one financing option with a 3-month term at 0% interest. 
 
 

FlexPay for Providers

  • Effortless Patient Payment Options: Automatically offer FlexPay to your patients for easy bill payment. Once enrolled, FlexPay is available on each qualifying statement, with no employee intervention needed.
  • Customizable Statement Options: When approving statement files, you can choose which ones include the FlexPay payment option.
  • Smart Auto-Selection Settings: Use settings to auto-select statements for FlexPay based on aging bucket and total amount. If your software doesn't include aging buckets, you can set a minimum balance as the default.
  • Minimum Balance Requirement: FlexPay is available for balances of $60 or more.
  • Aging Limit: Balances over 120 days old do not qualify for FlexPay.
  • Independent of BillFlash Pay Services: You can utilize FlexPay without using BillFlash Pay Services.
  • RequestPay Feature: Send payment requests ahead of appointments, allowing patients to use FlexPay for large prepayments or major procedures.
  • Quick Fund Transfers: Funds are deposited into the provider’s account within 3-5 business days of financing approval.
  • No Risk of Non-Payment: Patient non-payment will not result in funds being withdrawn from your account. We ensure compliance.
  • Refund and Cancellation Flexibility: Refund or cancel payments made through FlexPay, with refunded amounts being withdrawn from your account.
  • Comprehensive Reporting: FlexPay payments appear on all BillFlash Payment Reports and specialized new reports designed specifically for FlexPay.
 
 

FlexPay for Patients

  • Convenient Payment Choice: Patients with bills that include FlexPay can easily select it as their payment method at checkout.
  • Simple Checkout Process: When choosing FlexPay, patients will be asked to enter basic information to proceed.
  • No SSN Needed for Options: Patients don’t need to enter their Social Security Number to view available options, but it is required to complete the financing agreement.
  • Payment Requirements: All FlexPay loans require a payment due at checkout, which depends on the amount financed and the patient’s credit score.
  • Debit Card Only: Payments made at checkout must be made using a debit card; credit cards are not accepted.
  • Flexible Recurring Payments: Recurring payments can be made using the debit card used for the payment made at checkout or through an ACH setup by the patient.
 

**Additional verification may be needed. Subject to approval based on creditworthiness. Payment due at checkout. 0-35.99% APR. A 3-month 0% APR plan is available for all approved customers. Example: A $885.00 purchase with 28.99% APR, $133.38 down payment and a 6-month term would have monthly payments of $136.09 and a total cost of $949.93. Terms may vary. 6- through 18-month plans with interest are also available. Not available in VT, WV, or WY. Account openings and payment activities are reported to a major credit bureau. See Rates and Terms for loan requirements and state restrictions. Sunbit Now, LLC is licensed under the CT Laws Relating to Small Loans (lic. # SLC-1760582 & SLC-BCH-1844702); NMLS ID 1760582. Loans are made by Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications for and terms of credit.

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