National Dental Plan

What National Dental Plan does

National Dental Plan (NDP) is an Australian dental fintech that operates a membership-based, interest-free payment plan platform connecting dental practices with patients who cannot or will not pay for treatment upfront. Founded in 2012 as a partnership between Centaur Software (a dental practice management vendor) and two of Australia's largest buy-now-pay-later providers, Zip Money and humm, NDP's core function is to enable patients to borrow up to A$30,000 interest-free for up to 48 months for dental procedures, while ensuring participating dental practices receive the full treatment cost upfront. The platform is natively integrated with Centaur's Dental4Windows practice management software, allowing plans to be initiated in-clinic via QR code or through the Zip and humm application processes, with a typical pre-approval flow taking approximately five minutes.

The product surface is intentionally narrow: NDP itself does not extend credit or underwrite loans. It acts as a distribution and workflow layer that routes patients to one of two partner BNPL providers, each of which sets its own establishment fee (A$70–A$99), monthly account fee (A$9.95), interest-free terms, and late fees, and assumes the credit risk under their respective Australian Credit Licences. Revenue mechanics are therefore transaction-fee driven, with the company earning through fees and referral or partnership arrangements tied to the payment plans originated through its platform. Go-to-market is hybrid: a sales-led motion targets dental practices for onboarding and integration support, while patient acquisition occurs through in-clinic referrals, QR code scans, and direct online applications via the Zip and humm websites.

NDP is privately held, headquartered in Sydney, New South Wales, and operates exclusively in the Australian market with no disclosed international footprint. The company has 101–250 employees, no external funding rounds, no disclosed management team in the source data, and no M&A activity. Reported customer outcomes are concentrated on the dental practice side: NDP claims a 50% increase in treatment plan acceptance and a 45% increase in treatment plan value for participating clinics, positioning itself as a revenue-uplift tool for dental practices rather than a standalone consumer credit product.

Name

National Dental Plan

Legal name

National Dental Plan (ACN 057 620 390)

Website

https://nationaldentalplan.com.au

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

National Dental Plan is an Australian dental fintech that connects dental practices with two BNPL providers, Zip Money and humm, to offer patients interest-free payment plans of up to A$30,000, while practices receive full upfront payment through a Dental4Windows-integrated platform.

Ownership category

akta.pro rank

Product category

Dental Patient Financing

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199)

akta.pro primary industry

Dental Discount Plans (Non-Insurance) (FSAIAHAD)

Keywords

• Dental payment plans
• Interest-free financing
• Buy now pay later
• Dental practice software
• Patient financing solutions

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Payment Plan Transaction Fees: National Dental Plan facilitates interest-free dental payment plans through partnerships with Zip Money and humm. The company earns revenue through transaction fees charged to patients (establishment fees of $70-$99 and monthly account fees of $9.95) and potentially through referral or partnership arrangements with the financial providers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

National Dental Plan (NDP) facilitates interest-free dental payment plans in Australia, enabling patients to borrow up to $30,000 for dental treatments while ensuring dental practices receive full payment upfront. The platform is a partnership between Centaur Software and two BNPL providers (Zip Money and humm), offering dual financing options integrated with Centaur's Dental4Windows dental practice management software.

Product overview

National Dental Plan (NDP) is a dental payment plan platform that partners with two financing providers—Zip Money and humm—to offer Australian patients interest-free payment options for dental treatments. The platform enables patients to spread costs over time (up to $30,000 with Zip Money, up to $20,000 with humm) while ensuring dental practices receive full upfront payment. NDP is integrated with Dental4Windows dental practice management software and is accessible via a secure cloud-based platform for both in-clinic and online applications.

Differentiator

Problem solved

Functional benefit

Products and services

• National Dental Plan (NDP) Payment Plan Platform A membership-based dental payment plan platform that enables Australian patients to borrow up to $30,000 for dental treatments interest-free while ensuring dental practices receive full payment upfront. Operates as a partnership between Centaur Software and BNPL providers Zip Money and humm, with full integration into Dental4Windows dental practice management software.
• Zip Money Dental Financing Interest-free payment plan option offered through the NDP platform providing up to $30,000 coverage with 48-month terms. Features weekly, fortnightly, or monthly payment flexibility, no deposit required on the day of treatment, $99 establishment fee for new customers, and $9.95 monthly account fee (waived if nothing owing at month end). Interest rate of 25.9% per annum applies after the interest-free period expires. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, ACL 441878).
• humm Dental Financing Interest-free payment plan option offered through the NDP platform covering purchases from $1 to $20,000 with up to 24-month terms. Features fortnightly or monthly repayments, a one-off establishment fee of $70, and $9.95 monthly fee with a 0%-20% deposit required. No interest is charged. Credit provided by Once Credit Pty Limited (ABN 99 112 319 632, ACL 386194), a subsidiary of humm group limited.

Quantifiable outcome

• 50% increase in treatment plan acceptance for dental practices
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

One partnership is on record.

• Centaur SoftwarecoreStrategic or Co-development PartnerNDP is a partnership between Centaur Software and two of Australia's largest payment plan providers. Centaur Software developed the National Dental Plan solution and provides the Dental4Windows integration that enables seamless payment processing within dental practice workflows.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/national-dental-plan
• Xx.com/ndppaymentplans

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 National Dental Plan