Allē was evolving from a loyalty program into a more comprehensive aesthetics platform. We introduced a financing experience built to do three things: reduce cost barriers for patients, grow business for providers, and live naturally inside the existing app.
Three goals shaped strategy, design, and partner selection: reduce friction, design practice-first, build trust. Pay Over Time launched as the first headline feature on the redesigned wallet.
Financing introduces real risk: confusing flows, sketchy UX patterns, and partner choices that can break trust. We named the goals before any pixels got pushed, then held every decision against them.
Apply for and use financing in a few clear steps, with no surprises about what comes next.
The practice-patient relationship is the heart of Allē. Our solution had to fit how both Medspa chains and single-injector practices already work, not impose a new flow on either.
Personal financial information demands transparency. Clear language, visible security, no surprises about what data is being used or shared.
The final design makes exploring and using payment plans feel simple, supportive, and secure. It lives natively inside Allē, surfacing through the patient app, provider tools, and in-clinic point of sale.
Patients can apply on their own from the Allē app, scan a code at the provider's office, or follow a text link the provider sends after a consultation. Same back-end review handles all three.
Practice-first in action: Medspa chains lean on the QR-at-checkout flow, while single-injector practices favor the text link they send to specific patients.
The application drops to three steps with no hard credit pull, addressing the biggest source of drop-off in financing flows. Patients see their approval and spending limit before they ever commit to a treatment.
The trick wasn't making financing easier. It was making it work the same way for a 20-location medspa chain and a solo injector working out of one room.
Pay Over Time integrates with the Allē provider directory: patients see who in their area accepts payment plans, with provider context surfaced inline so they can decide before booking.
Patients can model monthly payments two ways: in the app on their own, or with the provider in-clinic during a consult. Both surfaces hit the same calculator, so the number a patient sees at home matches what the provider quotes.
Providers see each patient's available spending power on a dedicated dashboard, then process payments directly through their existing point of sale. No separate financing portal, no patient handoff to a third party.
Approval limits, term length, and repayment schedules sit in front of the patient before they sign anything. They can adjust terms within the approved window and revisit them later in the wallet.
