Featured partners already using our solution

How it works?

Our digital healthcare installment scheme provides a complete solution for our private healthcare provider partners.


1. End to end digital process

No manuality, no processing times, no paperwork. A digital solution with lightning-fast processes.


2. Without banks

The implementation does not require a bank, the instalment facility is provided by the private healthcare provider for its patients.


3. Tailored to your specific needs

High customisability, tailored to the image of our partners. Adaptable to online and physical processes.

Installments powered by instacash

About our solution


Business advantages

Our service provides high added value and serves as an excellent marketing and brand-building tool. The fully healthcare provider branded process reinforces the private hospital's brand, not that of a bank.


Outstanding customer experience

Favorable payment options. Lightning-fast processes. The conveniently and swiftly available interest-free installment payment represents real value for the patients.


Without incidental costs

In our process, apart from the private hospital, the patient, and instacash, no other entity is involved. With our solutions, the customer relationship doesn't transfer to a third party. The data asset cannot be monetized by others

Process overview

How does digital installment payment work?


Digital Customer Identification

Only a mobile phone or laptop is needed for identification.


Automatic Customer Evaluation

Automated assessment in moments, with electronic bank account history sharing.


Digital Contract Signing

Online contract signing with a mobile phone in your pocket.


Automated Installment Payments

In the most convenient way possible.

Would you like to offer installment payment options to your patients as well?

Contact us and learn more about digital installment payments!

Benefits for private hospitals

Optimal solution for complex problems

Have you been searching for the ideal financing solution for a while?
We embrace challenges, and we enjoy devising optimal solutions for complex issues. Let's explore how instacash's healthcare installment payment system addresses various needs!

Increased number of new patients

By implementing our solution, based on industry experience, a significant 10-25% increase in new patient numbers can be achieved.

Loyal patients

Customer loyalty can be enhanced, leading to the establishment of a premium, returning clientele.

Higher revenue

Thanks to installment payment, lower churn rates and higher overall spending can be achieved.

Available medical capacities

As a result of increased number of new patients, available surgical capacities can be utilized efficiently.

Digital Installment Payment Platform

"Explore the Instacash Digital Installment Payment System! Take a look at the functionalities of the patient portal, service provider portal, and decision making engine!"

The application can be initiated by either the patient or the surgical coordinator

End-to-end digitized and automated installment payment solution: authentication interface, purchase details interface, data completion, customer due diligence, electronic bank account sharing based on Open Banking standards, automated assessment and decision-making, electronic contract execution, and seamless monthly automated payments.

Lightning-Fast Process

Application in seconds, without manuality and paperwork.

Automatic Reminders

Automatic payment and overdue reminder emails and SMS.

Bank account history is shared via Open Banking solutions

After identification, patients electronically share their bank account information. The pre-configured customer rating system (scoring engine) automatically determines eligibility for installment payment based on open banking (PSD2) standards, i.e. digital bank account history data, regular income and level of indebtedness.

Electronic Account History

This eliminates the need for bank statements and income verification.

Automated Decision-making

Real-time decision-making without manual intervention, based on bank account information.

Dedicated interface for the service provider

The Service Provider Portal offers various essential functions for healthcare providers through a digital interface. Customization of the appearance (branding) of the patient application interface is done through this platform. Here, the functionality for managing individual interventions and created installment payment transactions is accessible. The service provider portal supports private hospitals' daily operations with statistics and reporting functions.

Installment Payment Customization

Flexibly adjustable installment payment structures.

Scoring Engine Customization

The decision-making engine can be flexibly configured and modified.

Flexibly configurable processes

The backbone of our instalment payment solution is the Administrative Portal. The portal ensures platform management and allows the complete process to be flexibly configured according to service provider's needs, including: customization of installment payment structures (term, down payment determination); customization of the decision-making engine; customization of processes, documents, contracts; management of notifications (email, SMS); customer support.

Design Customization

Matching the service provider's branding

Purchases, Reports

Transaction and portfolio-level statements, statistics, analytics.

Scoring and decision-making engine included

The parameterizable and configurable scoring engine and decision-making engine enable automated assessment of installment payment applications. We provide a bank-level scorecard that examines customer income and indebtedness data among many other factors. While taking into account the service providers needs, we combine insights gained from numerous BNPL (Buy Now, Pay Later) transactions during the determination of decision logics.

Customizable Evaluation

Adaptable rigor of evaluation to service provider's needs.

Bank-level Decision Logic

We assess customers' capacity to pay the installments based on banking risk management methodology.