Aesthetics-built payment processing with embedded financing partnerships
An aesthetics-purpose-built payment processor with fast setup and PCI-DSS-compliant high-ticket handling, plus embedded financing, but it is processor-first with financing via partners and no third-party ratings, so confirm partner terms and pilot before relying on it fully.
Vellis is a payment processor with an embedded financing layer, purpose-built for cosmetic-surgery and aesthetic clinics. Its core product is a PCI-DSS-compliant merchant account optimized for the high-ticket transactions typical of elective aesthetic procedures, with onboarding designed to be fast, in the range of 24 to 48 hours. On top of processing, Vellis surfaces patient financing offers, but that financing is delivered through partnerships rather than an in-house loan product.
The important distinction for buyers is that Vellis is **processor-first**: its center of gravity is card processing and merchant-account infrastructure for aesthetics, with financing offered via partners as a complementary capability. That makes it a strong fit for clinics that want aesthetics-aware payment infrastructure with a financing option attached, but a less complete fit for a practice whose primary need is a deep, standalone lending program. We found no third-party ratings for Vellis, so no numeric third-party score is assigned here, and practices should confirm which financing partners are available and on what terms before committing.
Ideal customer
Cosmetic-surgery and aesthetic clinics that want aesthetics-aware, PCI-DSS-compliant payment processing for high-ticket procedures with an embedded financing option delivered through partners.
Vellis is best understood as a payment processor first and a financing option second, purpose-built for cosmetic-surgery and aesthetic clinics. Its core product is a PCI-DSS-compliant merchant account optimized for the high-ticket transactions that define elective aesthetic work, and it markets fast onboarding in the range of 24 to 48 hours. On top of that processing layer, Vellis surfaces patient financing, but that financing comes through partnerships rather than an in-house loan product.
That distinction matters. If your primary need is aesthetics-aware payment infrastructure with a financing option attached, Vellis is well aligned. If your primary need is a deep, standalone lending program with broad approval tiers, you are leaning on the partner side of Vellis rather than its core strength.
Choose Vellis if you want aesthetics-built, PCI-DSS-compliant payment processing for high-ticket procedures and value having a financing option embedded alongside it. It suits a clinic that would rather run one aesthetics-aware payment vendor than stitch together a generic processor and a separate lender, and that treats patient financing as a helpful add-on rather than the centerpiece of its revenue model. Before committing, ask exactly which financing partners are available and on what terms, confirm the processing rate and any monthly minimums, and compare the total cost against your current processor so the financing convenience is not offset by richer per-transaction fees. Because this is a young, aesthetics-niche vendor with no third-party ratings to corroborate performance, treat that absence as a reason to pilot with a subset of transactions, watch approval rates and patient experience closely, and keep a fallback before making Vellis your sole payment-and-financing backbone.
By Med Spa Vendor Hub Editorial Team. Last reviewed June 29, 2026. Independent editorial review — how we score.
Vellis earns primarily through merchant payment-processing fees on high-ticket elective transactions, with financing provided through partners on the partners' terms. Exact processing rates and partner financing APRs are not published up front and should be confirmed during the fast onboarding process.
Merchant processing
Processing fee per transaction
per transaction
PCI-DSS-compliant merchant account optimized for high-ticket elective procedures; rate confirmed at onboarding.
Embedded financing
Partner-set terms
per funded loan
Patient financing surfaced through partner programs; APRs and merchant costs set by the financing partner.
Pricing is researched from public sources and verified periodically; confirm current rates with the vendor.
A vendor-neutral guide to choosing patient financing for a med spa—covering why financing drives conversion, the six provider models, the deferred-interest trap, merchant economics, and how to match a provider to your patients.
Patient financing has no subscription - the practice pays a merchant discount fee (a % of each financed sale) and the patient pays APR or deferred interest. Here's a transparent 2026 breakdown of real merchant fees and patient rates by lender.
Patient FinancingAffirm is a large general-purpose buy-now-pay-later and installment lender that pays merchants up front and assumes default risk, used by some med spas through Zenoti and Stripe-based POS rather than built for aesthetics.
Patient FinancingAfterpay, owned by Block (Square), is a mainstream buy-now-pay-later provider offering interest-free Pay-in-4 on smaller purchases. Some beauty businesses and med spas use it for retail and lower-ticket services, but it is not a healthcare-built financing product for higher-ticket aesthetic procedures.
Patient FinancingAlphaeon Credit is a purpose-built healthcare credit card for aesthetic, cosmetic, dermatology, and plastic surgery practices, offering deep aesthetics fit but carrying a deferred-interest model and strongly negative consumer sentiment.
