A treatment often stalls on the fee. The patient wants to start. The amount is too large for one payment. The clinic cannot sit on that balance for months.
Toothpay is Toothpick's payment platform for that moment. You offer financing from more than one provider. The patient picks a plan and pays the provider. Your clinic is paid up front and does not chase the installments.
The fintech page and the Toothpay site describe the same product from two angles. This post uses both.
What you can offer
Patients do not all see the same plan. It depends on the provider, and on what is switched on for your clinic and for that patient's location.
The fintech page describes Toothpay as 2 to 6 installments at 0% interest, with approval meant to come back within minutes, and no paperwork for the patient. The Toothpay homepage also offers bank-backed plans, and it says installments can run up to 48 months.
Toothpay's own glossary describes BNPL as a way for the patient to split the bill into interest-free installments. It names Tabby and Tamara as examples. Bank-backed plans sit on the same platform. The homepage says there are 20+ fintech and bank partners.
The Toothpay site describes the service for dental clinics in the United Arab Emirates, Saudi Arabia, and Egypt. The currency is set when the clinic is onboarded, and it follows the country and the providers available there.
The Toothpay homepage publishes these figures: 1,300+ clinics, 150K+ patients financed, and $150M+ in financing facilitated.
What the clinic receives
You do not collect the monthly payments. The Toothpay site calls this zero collection risk. The provider takes the patient's plan. Your clinic gets the treatment amount.
Timing is described in two places, and they match. The fintech page says settlement is completed in the first few days, and that Toothpay transfers the amount to your bank account in under a week. Payments from the previous week are grouped, so finance is not matching a separate transfer for every patient. The Toothpay site says clinics get paid in 5 to 7 days.
You also get one dashboard. You can see transactions across providers, watch the status, and manage approvals in one list. Each clinic has an account manager. If you need a provider turned on, that is who you ask.
The Toothpay site says there is no setup fee and nothing technical to install. A payment link is enough to start.
How a payment is sent
The Toothpay homepage breaks the visit into four steps:
- Enter the treatment amount.
- Choose a provider.
- Send it to the patient.
- Get an approval decision within minutes.
The how-to guide fills that in. Staff create the transaction in the Toothpay portal: clinic, provider, amount, and the patient's name, email, and phone. The patient gets a link by WhatsApp or email, opens it, and chooses a plan. The provider returns a decision. If it is accepted, the transaction is active and the clinic is paid within days. If it is rejected, the patient can try another provider or another plan, and you can resend the link.
You can add a patient file number later so the payment sits next to your own chart. You can also request a partial or full refund on an accepted transaction that still has a balance. Whether a refund is open depends on the provider.
Signing in
Your Toothpay login is your Toothpick account. Use the email or phone number already on the Toothpick app. There is no second sign-up. Email uses a one-time code. Phone uses a code by WhatsApp or SMS. Google and Apple sign-in work too. If you run more than one clinic, you pick the business account after you sign in.
Staff do not all need the same access. An owner can add teammates and limit who can view the dashboard, create payments, or open statements. The how-to guide has the permission list.
Getting the clinic approved
Before the dashboard opens, the clinic completes a one-time onboarding. The how-to guide lists five beats:
- Clinic details: name, contact person, phone, email, city, address, clinic type, currency, and monthly sales volume.
- Business documents. What is required depends on the country. The guide gives Egypt's national ID as one example, and it also mentions an ID or commercial license, the legal signatory, and optional papers such as a VAT certificate.
- Bank details for settlements: bank name, IBAN, beneficiary name, SWIFT/BIC, settlement email, and currency.
- A review, so you can fix anything before you send it.
- Submit. The Toothpay team is notified and starts the review.
Review usually takes 1 to 2 business days. If a document is unclear, you upload a replacement and the review continues. Once the account is approved, staff with the right permissions can create transactions. The Toothpay site also says a clinic can go live in less than 48 hours.
The other Toothpick financing offers
Wio installments are a separate UAE offer with Wio Bank. The patient uses a Wio Personal Credit Card. Toothpay Business is for the clinic's own supply bills.
To see Toothpick as a whole, read what Toothpick is. To ask for access, use the contact page or enroll from the Toothpay site.