Yes — 360io supports patient financing through Affirm. Patients can choose to pay over time at checkout inside your clinic's own branded app or patient portal, while your practice is paid up front through your own merchant account. 360io charges zero transaction fees on financed or non-financed purchases.
How Affirm works in a 360io app
The patient selects a treatment, package or membership in your branded app.
At checkout they choose to pay in full or apply to pay over time with Affirm.
Affirm runs its own approval — no impact on your staff's workflow and no paperwork at the front desk.
Your practice is paid up front into your own merchant account and your own bank.
Every purchase is still wrapped in a HIPAA-compliant e-signature with device fingerprint, IP and timestamp captured as chargeback evidence.
Why this matters for aesthetic practices
High-ticket aesthetic treatments can stall at the price conversation. Financing moves the decision from “can I afford $6,000 today?” to a monthly payment option. Offering financing inside your own app — instead of sending patients to a third-party portal with someone else's branding — helps keep the patient experience with your practice.
What 360io charges
Nothing on the transaction.
360io's pricing is flat:
Portal — $199/month
Growth — $599/month
There are no per-patient fees and 360io takes no percentage of patient payments, financed or otherwise.
Clinics may optionally add a convenience fee of up to 4%* and keep it.
Financing or memberships — which should a clinic offer?
Both, and for different patients. Financing spreads one large purchase over
time. Memberships create recurring monthly revenue at a member price. A patient
can finance a procedure with Affirm and subscribe to a maintenance plan in the
same checkout, inside your own branded app.
Some platforms offer memberships only and argue financing sends the patient to a
third party. That is a real trade-off, but it is a limitation presented as a
philosophy: if a patient cannot pay $6,000 today and will not commit to a
12-month membership, a memberships-only platform has no answer for them and the
sale stalls. 360io supports both paths and charges $0 in transaction fees on
either one.
Memberships-only platforms
360io
Patient pays over time
Yes — membership only
Yes — Affirm at checkout
Practice paid up front, full ticket
No — collected monthly
Yes
Recurring membership revenue
Yes
Yes
Member pricing on future visits
Yes
Yes
Patient stays inside your branded app
Yes
Yes
Platform takes a % of patient payments
Varies
No — $0
High-ticket single procedure, no commitment
No path
Yes
Does 360io support Affirm?
Yes. Affirm is 360io's supported patient-financing option at checkout in the branded app and web patient portal. Additional financing providers may be added later.
Does 360io take a cut of financed purchases?
No. 360io charges $0 in transaction fees. Payments run through the clinic's own merchant account into the clinic's own bank; 360io never touches the funds.
Do we get paid up front when a patient finances?
Yes. The practice is funded up front through its merchant account, while Affirm manages the repayment relationship with the patient.
Is financing available on the $199 Portal plan?
Yes. Affirm patient financing is available on both the $199/month Portal plan and the $599/month Growth plan.
Does RepeatMD offer financing too?
Both platforms offer patient-financing options. 360io charges zero transaction fees on patient purchases.
Should a med spa offer patient financing or memberships?
Both. Financing spreads a single high-ticket purchase over time and pays the
practice up front in full; memberships create recurring monthly revenue at a
member price. 360io supports both in one platform with $0 transaction fees, so a
patient can finance a procedure and subscribe to a maintenance plan in the same
branded app.
Does patient financing send my patient to a third-party brand?
No. The Affirm approval happens at checkout inside your own branded app or
patient portal. The patient does not leave your brand to a separate portal, and
your practice is funded up front through your own merchant account.
See 360io in action
Book a demo at 360io.com/demo and see how patient financing, payments, memberships, and your branded patient experience work together.
$0 app development fee.
Book a Demo