👉 New Feature: Sunbit's Payment Path feature is now available. See the Payment Path section to learn more or click here.
📝 Overview
Sunbit is a buy now, pay later (BNPL) technology company that provides consumers with flexible payment options for everyday needs and services. Their platform allows customers to split purchases into manageable monthly installments, making essential expenses more accessible. Feel confident offering Sunbit to your clients knowing over 90% of customers are approved and there is no hard credit check, no fees, and a true 0% interest offer for every approved customer.
Our integration allows for clients to sign up for Sunbit financing directly through Stripe's "Pay Now" option within an exported invoice or account statement.
⚠️The Sunbit integration is currently available exclusively through DaySmart Payments located within the United States, excluding U.S. territories, Vermont, and West Virginia.
⚠️ Stripe Customers: Sunbit is automatically enabled within all Stripe accounts. To disable Sunbit, navigate to Settings > Payments and click on Buy Now Pay Later. On the right, Sunbit can be toggled off if desired.
💡 CardConnect Customers: CardConnect customers please reach out to [email protected] in order to get Sunbit enabled. Once Sunbit is enabled, the workflow and configurations will be the same as Stripe customers.
⚠️ To ensure clinics can successfully use Stripe features like Sunbit BNPL and Surcharging, we’ve enhanced how primary clinic addresses are validated in the system. Accurate address information is required for eligibility and verification. When the Payments tab is clicked within in the settings, we now check for incomplete or inconsistent address details and prompt you to update them if needed—helping prevent interruptions in feature access.
🎥Sunbit Overview with Stripe Video
🎥Sunbit Informational Video
🎥 Sunbit Webinar Recording
⚡️ Pre-Qualification Links
Sunbit’s Buy Now, Pay Later integration is very accessible with pre-qualification links within certain client communications, making it easier for clients to get pre-qualified. This configuration will help drive adoption and increase revenue, as more clients now have financial access to higher priced services and items.
Click the arrow to learn about pre-qualification links
Click the arrow to learn about pre-qualification links
The pre-qualification link can be found in the following locations:
Appointment Confirmation
Appointment Reminder
Pre-Visit Confirmation
Invoice
Estimate
Account Statements
By default, all communication types are opted in to include the pre-qualification link. You can customize this at any time by navigating to Settings > Payments > Buy Now Pay Later Configuration and toggling off any communication types you don’t want to include.
Click the "Edit" option under "Pre- Qualification Links"
Toggle off any option you do not want to include the pre-qualification link in.
☀️ How Clients Pay Using Sunbit
Once a client is approved, they can pay using Sunbit. This section covers the process of using Sunbit as a payment method.
Click the arrow to learn how a client pays with Sunbit
Click the arrow to learn how a client pays with Sunbit
If a client has pre-qualified, the status, dollar amount and expiration date of their qualification can be found in on the top of the following locations.
Client Profile
Invoice
Estimate
Payment Screen
Checkout Screen
APPROVED= customer is prequalified with a dollar amount. This is the status you should look out for
COMPLETED= customer has validated that they have a working debit card that is acceptable when completing a loan with Sunbit. It’s an optional page for the customer to complete. The approval amount sent here will not change from the APPROVED event amount
🧠 Example of Pre-Qualification on Client Profile
⚠️ Please Note: If a client is pre-qualification expires, it will display this information under the client's name within their profile.
Paying with Sunbit
The quickest way for a client to pay with Sunbit is through the Pay Online option from the Type field of the checkout process or when taking a New Payment on an invoice.
💡 If the client is already pre-qualified, they can select to pay with Sunbit. If they need to qualify, they can click the Prequalify Now button.
💡 If your clinic is utilizing the PetCare Client Mobile app, Sunbit is available as a payment method when the client is paying the invoice through PetCare.
Invoice Status
Once the client has been approved and gone through the process of selecting their plan, the invoice will automatically be placed in a Paid status. If the client is not approved for the full invoice amount, the amount that they are approved for will be applied to the invoice, and the client will have to pay the remaining balance.
↔ Payment Path
Sunbit Payment Path lets you explore payment plan options with clients in real time, while presenting treatment recommendations. You’ll see approval amounts and plan options directly on your device, seeing what your client sees, so you can guide the conversation with confidence. Clients can move forward with the care their pets need, and your clinic captures revenue that might otherwise walk out the door.
Explore Payment Plans Options from a Client Profile
Click the arrow to learn more about Payment Path from the client profile
Click the arrow to learn more about Payment Path from the client profile
⚠️ Please Note: If an active pre-qualification already exists, it will be displayed under the client's name on their profile and there will not be a Payment Plans option because they are already pre-qualified.
💡 Tip: Sending a pre-qualification link from the client profile is useful for exploring payment options with clients over the phone before an
appointment. Send the pre-qualification link by text or email so the client can begin the process right away.
Follow the steps below to send the client a pre-qualification link from their profile:
Open the client's profile. The Payment Plans option will appear next to the balance field
If there is no active pre-qualification, click Payment Plans to begin the process
Click Next
Confirm the client's phone number and email, which auto-populate from their file. Ask the client whether they prefer to receive the pre-qualification link by text or email. Check the consent box
Click Send Link
What the Client Sees
The client will receive a link via text message or email and can go through the pre-qualification process. Clinic users have real-time visibility into the client’s progress, without leaving DaySmart Vet.
After confirming their details and verifying their email, the client sees the total pre-qualified amount and the available plans, which include loan length, monthly payment, interest information, and total cost.
The client selects a plan at the time of checkout when they select Sunbit Pay Over Time as the payment method. See the How a Clients Pays Using Sunbit section of this article to learn the best practice on client's paying with a Sunbit payment plan.
💡 Tip: The clinic user can leave the Sunbit dialog and easily return to the same spot by clicking the Payment Plans button next to the Balance field.
Where Pre-Qualification Details Display
After a client is pre-qualified, the following information is visible on the top left of the estimate, the top left of the invoice, and on the payment dialog and under the client's name on their profile.
Sunbit qualification status
Maximum loan amount
Pre-qualification expiration date (28 days after approval)
Explore Payment Plans Options from an Estimate or Invoice
Click the arrow to learn more about Payment Path from estimates & invoices
Click the arrow to learn more about Payment Path from estimates & invoices
⚠️ Important: The Payment Plans option is only available when the estimate or invoice has a minimum balance of $60.
💡 Tip: Estimates are an ideal time to start the payment plan conversation, since clients often decline items or services at this stage.
Follow the steps below to send the client a pre-qualification link from an estimate of invoice:
Open the estimate or invoice. If the balance is under $60, the Payment Plans option will not appear
Add services or items until the total reaches at least $60. The Payment Plans option will then appear next to the total amount
Click Payment Plans and select Next to start
Select Text or Email to send the link, check the consent box and click Send Link
What the Client Sees
Once the link is sent, the client begins the quick pre-qualification process on their device. You'll see each step in real time, which allows you to help guide them through any questions.
After confirming their details and verifying their email, the client sees the total pre-qualified amount and the available plans, which include loan length, monthly payment, interest information, and total cost.
The client selects a plan at the time of checkout when they select Sunbit Pay Over Time as the payment method. See the How a Clients Pays Using Sunbit section of this article to learn the best practice on client's paying with a Sunbit payment plan.
Where Pre-Qualification Details Display
After a client is pre-qualified, the following information is visible on the top left of the estimate, the top left of the invoice, On the payment dialog and under the client's name on their profile.
Sunbit qualification status
Maximum loan amount
Pre-qualified expiration date
💵 How to Process a Refund
You can process Sunbit refunds the same way you would process a credit card payment.
Click the arrow to learn how to process a refund
Click the arrow to learn how to process a refund
When posting a return, you’ll see the option labeled “Refund to Card.” This option actually represents “Refund (Sunbit).” Once you select Post to complete the return, the transaction will appear as a refund in the client's account and Stripe portal.
Even if your clinic uses CardConnect for integrated payments, you will still have access to a Stripe portal when using Sunbit. If you don’t have access or are unsure how to log in, please reach out to our payments team in the help center for assistance.
❓ Frequently Asked Questions (FAQs)
Find answers to common questions or additional details that may not be covered in the main instructions.
Click the arrow to view the frequently asked questions
Click the arrow to view the frequently asked questions
How do clients access Sunbit?
Click the arrow to view the answer
Click the arrow to view the answer
Clients can access Sunbit through the PAY NOW option on any exported invoice or account statement.
Where can clinics view their Sunbit payments?
Click the arrow to view the answer
Click the arrow to view the answer
There is no separate Sunbit-only dashboard. To view Sunbit payments in one place, navigate to your Stripe online dashboard and filter for Sunbit.
When does the clinic get paid?
Click the arrow to view the answer
Click the arrow to view the answer
Once the client is approved through Sunbit, the clinic is paid right away. Sunbit then works directly with the pet parent to determine next steps for repayment.
What is the rate fee for clinics?
Click the arrow to view the answer
Click the arrow to view the answer
Sunbit's rate fee to the clinic is 4.75%. There are no hidden fees or monthly minimums.
How do clients prequalify for Sunbit?
Click the arrow to view the answer
Click the arrow to view the answer
Clients can prequalify almost instantly using only their phone number and address. There is no hard credit check required.
What payment options are available to clients?
Click the arrow to view the answer
Click the arrow to view the answer
Clients are presented with three payment options, and one option is always interest-free.
What is Sunbit's approval rate and loan range?
Click the arrow to view the answer
Click the arrow to view the answer
Sunbit approves 9 out of 10 applicants, with loan amounts ranging from $60 to $20,000.
What type of card is required for Sunbit payments?
Click the arrow to view the answer
Click the arrow to view the answer
Clients must link a debit card to Sunbit. Credit cards cannot be used to make Sunbit payments.
What are Sunbit's Terms
Click the arrow to view the answer
Click the arrow to view the answer
*3- month 0% APR plans for all approved customers. 6- through 18-month plans with interest are also available. Subject to approval based on creditworthiness. 0-35.99% APR. Payment due at checkout. Example: A $885.00 purchase with 28.99% APR, $133.38 down payment and a 6-month term would have monthly payments of $136.09 and a total cost of $949.93. Not available in US territories. Terms may vary. Sunbit Now, LLC, NMLS ID 1760582. Loans are made by Transportation Alliance Bank Inc. dba TAB Bank, which determines qualifications for and terms of credit.
** The Sunbit Onboarding Incentive offers merchant associates a $15 gift card for attending the “Drive New Sales with Payment Path” training session. The first 100 attendees will receive one (1) fifteen-dollar ($15.00) gift card. An eligible Participant must be a legal resident of one of the 50 United States and the District of Columbia, who is at least the age of majority in their state of residence at the time of entry, and an active employee of a DaySmart Vet merchant. Additional terms and conditions may apply.