The PayLater module within the VSPRY Pluto Platform, enables your organisation to offer customers, a buy now, pay later solution for healthcare. PayLater works alongside of Pluto's e-Pay solution which enables your clients to pay for, and your practitioners to bill for healthcare, securely facilitated on payment rails that you own, not rent.


  • PayLater is perfect for dentistry and optometry, where your customers need treatment now, but want to spread the cost of the purchase over time.
  • Younger customers see this type of solution as a responsible way to pay, especially compared to credit cards.
  • This solution, which is usually interest-free, is funded by health professionals through a higher merchant fee.
  • Works great alongside of the Stash or Lay-buy products, with deposit history helping to improve Pluto's built-in credit models.

Client interface

The Pluto Platform offers a responsive mobile web application under your brand. Alternatively, you can use our APIs to integrate PayLater into your existing mobile app.

Module comparison

Pluto ModuleCost RangeAge SegmentsProcedure TypesTime Horizon
Lay-buy€1000 - €1000018 to 50Elective, cosmetic, specific12 months
PayLater€100 - €100018 to 35Dentistry & OptomteryImmediate
Stash€20 - €2500018 to 70All procedures, non-specific36 months +


Enabling tech

VSPRY adopts Google's BeyondCorp zero trust enterprise security model which allows for single sign-on, access control policies, access proxy, and user- and device-based authentication and authorisation. The VSPRY tech stack has 5 inter-connected components:

  • Core orchestrates all internal and external API calls, and manages access and security, and manages all software business logic.
  • Financial multi-currency financial ledgers offering atomicity and concurrency, with virtually unlimited scale.
  • Business product, process, business and customer management platform.
  • Application layer uses a single codebase to deploy a natively compiled, multi-platform user interface.
  • Warehouse offers a fully-managed, serverless data warehouse that enables scalable analysis over petabytes of data.


Our USP is that we make healthcare more accessible and affordable, by integrating healthcare funding solutions, healthcare record management, and healthcare marketplace technology, on a SaaS basis. For licensees of our technology, we remove the capital cost and project risk of building a similar solution internally which for many enterprises is outside of their area of expertise. We bring new sources of revenue, and deliver new customer experiences on a pay-per-user basis, enabling true retail healthcare.

Get in touch

Contact us via VSPRY CHAT or telephone us at our Australian office on +61 7 3184 4111, our United Kingdom office on +44 131 381 3939, or our Singapore office on +65 3129 3939, or schedule a meeting at


© VSPRY 2019-2022 with all rights reserved. VSPRY® is a registered trademark of VSPRY INTERNATIONAL LIMITED ABN 59 631 026 027, a public company limited by shares, incorporated in Australia, with a registered address of Level 38, 71 Eagle Street Brisbane, Queensland. In Australia, we operate as VSPRY AUSTRALIA PTY LIMITED ABN 41 631 026 330, with a registered address of Level 38, 71 Eagle Street Brisbane, Queensland. In Asia, we operate as VSPRY SG Pte Ltd UEN 202143128C, a proprietary company limited by shares, with a registered address of 68 Circular Road, #02-01, Singapore 049422.