Let patients split the cost of treatment.

Increase collections and case acceptance by allowing patients to pay in interest-free installments.

Boost collection rate

You set the rules

Finance alternative

Easy for patients

Get Started

Make it easier for patients to start paying their past due balance.

Installments is an optional feature you can provide to patients when collecting funds with our Pay-by-Text and A/R Collections Automation products. You set the rules for which patients see this option based on bill amount and days past due.

How It Works

Better option for hard to collect invoices.

Let your patients break up their past due bill into 2 to 8 interest-free payments, charged every 1 to 8 weeks based on the schedule you set. Your practice is paid after each installment.


Send Bill.

Patient is sent a link to view and pay their invoice via Pay-by-Text or A/R Collections Automation.

Patient Enrolls.

Patient selects the installment option, makes their first payment, and is charged every two weeks.

Get Paid.

Pearly automatically processes the payment and deposits the funds into your bank account every 2 weeks.

Why It Works

Recommended for past due balances of $200 to $2,000.

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Jump-start patients to pay.

Smaller payments over time removes stress.

Easy for patients and you.

One-click for patients to choose installments.

Build patient loyalty.

Show patients you care about their financial situation.

Alternative to 3rd-party financing.

Practice keeps a direct relationship with patients.

Pearly Payments Portal

Enable Installments in less than 30-seconds.

When using our Pay-by-Text or A/R Collections Automation products, you have the option to enable Installments for no additional cost.

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You set the rules

You choose when to offer Installments or set rules based on amount and days past due.

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Hands-free process

Patients self-select Installments and are automatically billed based on their schedule.

Modern Payment Processing

Power to your patients.

Patients can use a wide range of modern Payment Methods for initial and ongoing installment plan payments.

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All major credit & debit cards

Accept Visa, Mastercard, American Express, Discover, Maestro, JCB, and UnionPay. Uniform processing fee for all card types.

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Instant ACH / eCheck

Patients can securely authenticate with their bank username and password - no account or routing numbers required.

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Smart recovery features

Smarter saved cards, dynamic retries, and failed payment notifications mean more charges go through.

Superhero Service

We're your partner in practice growth.

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A/R Success Manager

We strategize with your practice on how best to utilize Installments to reduce accounts receivable and improve your patient experience.

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Support Heroes

We're here to help you answer any patient questions and address any other concerns from tech support to feature feedback.

Frequently asked questions

Helpful Answers

What is Installments?

Installments is an easy way to give patients the option to break up their past due bill into 5 payments. You set the rules for which patients are provided the option. When a payment request is sent via Pay-by-Text or A/R Collections Automation, the patient can select to pay in full or in Installments. When a payment is processed, we deposit the funds directly into your practice's bank account.

Do you provide support?

You know it! You are assigned an A/R Success Manager who will help get you up and running and show you how to enable the Installments option (hint: it's really easy). Our Support Superheros are also available to help with any technology questions you may encounter.

How do I know when we get a payment?

You will be notified via email when a successful payment is processed. In the Pearly Portal, you can also view a history of all payments processed as well as what Installment charges are scheduled for each patient. If our robust analytics are not enough, we're happy to help you pull a customized report.

What happens if a patient stops paying?

When a patient chooses the installments option, their first payment is collected up front and their credit card is automatically billed every two weeks. If their credit card is declined, we re-process up to three times and then you and the patient are notified to update the card number.

Ready to learn more?

Schedule a free demo with a product expert who will show you how Pearly can help your dental practice grow.

Request Demo