Pawnace
The vet bill, handled from your phone.
Your clinic texts you the bill. You pay it by card, or pay it over time with Sunbit. The clinic is paid the moment you read them your six-digit code.
For iPhone. Pay over time on bills of $60 and up, subject to Sunbit's approval. Checking does not affect your credit score.
- Exam and consultation$68.00
- Radiographs, two views$145.00
- Pain medication, 10 days$42.00
- Clinic total$255.00
- Pawnace fee Shown before you pay. Never hidden in the bill.$25.37
How it works
Three steps, all of them at the clinic. No paperwork, no separate website, no waiting for a card in the mail.
The clinic texts you the bill
Every line item, tax, and Pawnace's fee on its own line. If the clinic made a mistake, they fix it and resend; the old bill is cancelled so you can never pay twice.
You pay, or apply to pay over time
Card payments are held, not charged, until the clinic enters your code. Choose Sunbit and you get a decision in about a minute with a soft credit check.
You read your six-digit code
The front desk enters it, the clinic is paid in full to its own account, and you take your pet home. Cards and Sunbit plans you don't use are released.
Pay over time with Sunbit
When the bill is more than you planned for, Pawnace offers a pay-over-time plan from Sunbit right on the bill. Pawnace is not the lender; Sunbit is.
- Bills of $60 and up. Below that, pay by card.
- A soft credit check. Applying does not affect your credit score, and Sunbit approves most applicants.
- Plans from 3 to 18 months. Sunbit shows your exact rate, term and payment before you accept anything. There is no prepayment penalty.
- First payment at checkout, by debit card. The rest is paid monthly to Sunbit.
- Change your mind before the code is used and the plan is cancelled. A plan the clinic has not redeemed within 24 hours cancels itself, and you are not charged.
Loans made by Transportation Alliance Bank, Inc. dba TAB Bank, a Utah-chartered bank. Sunbit Now, LLC, NMLS ID 1760582. Rates up to 35.99% APR. Subject to approval. Questions about an existing plan: Sunbit, 1-855-678-6248 or mysunbit.com.
For veterinary clinics
Send the bill by text, get paid in full when the code is entered, and stop being the one who has to say no.
- Paid in full, to your own Stripe account. When a pet parent pays over time, Sunbit pays you; the pet parent owes Sunbit, not you. No carrying balances, no collections.
- Nothing to install at the desk. Build the bill in the Pawnace clinic app, text it, enter the six-digit code when the pet parent reads it.
- Mistakes are fixable. Fix and resend an unpaid bill in one tap; the old one is cancelled automatically.
- Pet parents see one clear fee. Pawnace's fee is shown to the pet parent separately from your bill, so your prices stay your prices.
- PAWS answers the routine questions. A built-in assistant explains the code, the fee and Sunbit to pet parents, so your staff doesn't have to.
One fee, shown before you pay
Pawnace charges the pet parent a single fee on each bill paid through the app: the payment processor's cost for moving the money, plus Pawnace's platform fee of 2.9%. It appears as its own line on the bill, in dollars, before you choose how to pay. The clinic's prices are never marked up and the clinic never sees a deduction.
On a $185 bill paid over time with Sunbit, the fee is $18.41, so the pet parent pays $203.41 and the clinic receives $185.00.
Questions pet parents ask
Is Pawnace a lender?
No. Pawnace is a payment app made by Belmont Labs Inc. Pay-over-time plans are offered and decided by Sunbit. Pawnace never sees or sets your rate, and never holds your loan.
Does applying hurt my credit?
Sunbit uses a soft credit inquiry to decide, which does not affect your credit score. Your payment history on the plan is reported the way any installment plan would be.
What does the six-digit code do?
It is how the clinic confirms you are the one paying. Nothing is charged, and no plan starts, until the clinic enters it. If it is never entered, a card hold is released and a Sunbit plan cancels within 24 hours.
Can I cancel?
Yes, from the bill in the app, any time before the clinic enters your code. After the code is used, the clinic has been paid; refunds for care go through the clinic and flow back through Pawnace to your card or plan.
Which pets and clinics?
Any animal and any bill the clinic sends through Pawnace. The clinic has to be on Pawnace; if yours isn't, tell them about us or send us their name and we will reach out.
How do I delete my account?
In the app: Settings, then Delete account. Or email support@towfiapp.com from the address on the account. Details.