What Vet Billing does

VetBilling is a web-based managed payment-plan platform purpose-built for veterinary practices, operated as a division of Electronic Billing & Customer Support (EBCS), a Maryland-incorporated entity owned by Total Financial Services, Inc. Its core offering is a SaaS platform that lets clinics offer in-house installment plans, prepayment plans, pet savings accounts, staff payment plans, and wellness plan billing to pet owners, while VetBilling handles billing, collections, electronic signatures, and customer support on the clinic's behalf. The technology stack includes a proprietary soft-credit-check credit scoring tool (Credit Score Recommendation), an electronic signature system with selfie-based identity verification, PCI DSS-compliant payment processing, and two web portals — ebcsgroup.com for veterinarians and ebcspay.com for pet owners.

The business operates on a B2B2C subscription-plus-transaction model. Veterinary practices pay $69/month (Standard) or $89/month (Premium) for platform access, with no percentage-of-treatment fees taken; VetBilling additionally earns modest one-time enrollment fees layered onto each pet-owner payment plan. Distribution is sales-led: a VP of Sales and a Client Success Manager drive direct clinic acquisition, supplemented by content marketing, social media, podcast appearances, continuing-education partnerships, and nonprofit integrations such as Brown Dog Foundation and the Synchrony Pillar Project. VetBilling was created in 2013 and launched in 2014 by co-founders Tony Ferraro (President) and Suzanne Cannon (CEO) and claims thousands of US veterinary clinic partners with reported repayment rates above 90%. The company remains privately held, family-controlled, and bootstrapped with no disclosed outside funding.

Name

Vet Billing

Legal name

Total Financial Services, Inc.

Website

https://vetbilling.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

11–50 employees

Short description

VetBilling is a web-based SaaS platform that enables US veterinary practices to offer pet owners managed in-house payment plans, prepayment plans, savings accounts, and wellness plan billing, monetized via $69-$89/month clinic subscriptions and modest enrollment fees.

Ownership category

akta.pro rank

Product category

Veterinary Healthcare Financing Software

NAICS

Veterinary Services (54194)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Veterinary Billing, Payments & Insurance Claims Software (HLAMAMAD)

akta.pro secondary industries

Revenue Cycle, Payments & Financing (Payments, Subscriptions, BNPL, Claims Support) (HLAMAGAE), Veterinary Client Engagement & Marketing (CRM, Reminders, Portals) (HLAMAMAE)

Keywords

• Veterinary payment plans
• Pet healthcare financing
• Installment billing software
• Veterinary clinic SaaS
• Interest-free financing

Headquarters

HQ city

Lutherville Timonium

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Practice Subscription Fees: Monthly subscription fees from veterinary practices for platform access, ranging from $69-$89/month depending on plan tier
2. Enrollment/Transaction Fees: One-time enrollment fees added to payment plans for pet owners; modest one-time fees rather than percentage of treatment costs

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

VetBilling provides a web-based managed payment-plan platform that lets veterinary practices offer clients interest-free in-house installment plans, prepayment plans, pet savings accounts, staff payment plans, and wellness plan billing. The platform handles contract e-signing with selfie verification, soft credit assessment via its Credit Score Recommendation tool, automated recurring billing, collections, and customer support on behalf of the practice. Veterinary clinics subscribe monthly ($69 Standard, $89 Premium) and VetBilling adds a modest one-time enrollment fee to each pet-owner payment plan.

Product overview

VetBilling is a web-based managed payment plan platform designed specifically for veterinary practices. The core offering consists of the VetBilling Platform with two pricing tiers (Standard Plan at $69/month and Premium Plan at $89/month), both providing payment plan management, automatic billing, and collection services. Key product modules include In-House Payment Plans for installment financing, Prepayment Plans for scheduled non-emergency procedures, Pet Savings Accounts for recurring savings, Staff Payment Plans for employee benefits, and Wellness Plan Billing for subscription-based preventive care plans. The platform also includes proprietary tools like the Credit Score Recommendation (CSR) soft credit check, electronic signature with selfie verification, and a Pet Owner Portal. The Premium Plan adds unlimited CSR access, propensity-to-pay analysis, and recommended contract structure features. The platform handles all aspects of client payment management including automatic recurring billing, collections, and customer support, allowing veterinary clinics to focus on patient care while generating additional revenue.

Differentiator

Problem solved

Functional benefit

Products and services

• VetBilling Platform Core web-based managed payment plan platform for veterinary practices that bundles contract setup, electronic signature with selfie verification, automated recurring billing, collections, and customer support so clinics can offer pet owners interest-free payment options without merchant fees.
• In-House Payment Plans

Quantifiable outcome

• Repayment rates exceeding 90%
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Brown Dog FoundationcoreStrategic or Co-development Partner · 1 January 2016Nonprofit partner since 2016, helps families pay back grants through the VetBilling platform. Families receive grants and repay through VetBilling's payment processing system.
• The Village Pet ProjectcoreGTM or Marketing PartnerCommunity-based cost-sharing model partner. Collaborates with Atlanta Dog Mom Social Club for community outreach.
• Atlanta Dog Mom Social ClubminorGTM or Marketing PartnerCommunity partner working with The Village Pet Project for community-based pet care cost-sharing initiatives.
• Lone Star Veterinary AcademyminorChannel Partner/ Reseller/ DistributorContinuing education (CE) partnership providing educational courses for veterinary professionals.
• Veterinary Clinic PartnerscoreChannel Partner/ Reseller/ DistributorThousands of veterinary clinic partners across the United States who offer VetBilling payment plans to their clients.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Affirm: Publicly traded consumer installment financing platform with an expanding presence in pet and veterinary verticals. Larger, broader incumbent with deeper capital reserves and brand reach.
• Citizens Pay (Citizens Financial Group): Larger bank-led patient financing offering including veterinary care. Overlaps with VetBilling in veterinary use case but operates at much greater scale and serves broader healthcare verticals.
• Klarna: Global buy-now-pay-later provider increasingly pushing into veterinary and pet care financing. Adjacent incumbent competing for the same consumer wallet share with greater geographic reach.

Direct peers

• Sunbit: Point-of-sale consumer financing serving veterinary and dental practices with soft-credit-check installment plans. Competes head-to-head with VetBilling in the 'no hard credit pull' financing category for vet clinics.
• Wisetack: Consumer financing software integrated into veterinary practice management systems to offer installment plans at checkout. A direct peer in software-delivered, credit-check-light veterinary financing.
• CareCredit (Synchrony Financial): The dominant veterinary and healthcare patient financing product, owned by Synchrony Financial. Directly competes with VetBilling for clinic adoption and pet-owner financing decisions, with far greater scale and brand recognition.
• Scratchpay: Point-of-sale lending product for veterinary practices offering installment payment plans. Closely comparable to VetBilling in target customer (vet clinics), use case (treatment financing), and product positioning.

Emerging players

• Pawp: Pet care subscription and emergency vet bill coverage service. An emerging player addressing the same economic-euthanasia problem from the pet-owner side rather than via clinic payment plans.

Others

• Vetcove: B2B procurement and practice-operations platform for veterinary clinics. Not a financing peer, but serves the same veterinary clinic customer base and represents an adjacent technology ecosystem.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/VetBilling
• LinkedInlinkedin.com/company/electronic-billing-&-customer-support
• Instagraminstagram.com/vetbilling

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vet Billing