Last Updated April 17, 2024

Pay for care on your terms with Paytient, a new Health Payment Account benefit provided by RRD.


RRD has partnered with Paytient to offer you an interest-free $1,200 line of credit to pay for health care expenses.* It’s called a Health Payment Account (HPA). And because it’s backed by a line of credit, it’s pre-funded so you don’t need to worry about contributions like you would a Health Savings Account (HSA) or Flexible Spending Account (FSA).

Once you apply for your account (it takes less than a minute), you’ll have instant access to your virtual Paytient Visa® card, if approved. This application won’t impact your credit score. You’ll also get a physical card in the mail in seven to 10 business days. You can use your Paytient card to pay for care at the doctor, pharmacy, eye doctor, dentist — even at the vet!

Paytient pays providers upfront, giving you flexibility to spread out the cost over time by setting up a repayment plan. This means you can turn a $200 dental bill into 10 easy payments of $20 without any interest or fees.

Payments are automatically processed by payroll deduction, so you can set your repayment plan and forget it. You also have the option to make one-time payments with an alternate payment method if you’re looking to pay off bills faster. And remember — you never pay any interest or fees.


The Paytient HPA is available to all benefits-eligible employees, and there’s no credit check required. Paytient will compare your income and expenses when you apply, but it’s because they’re required to confirm you’re able to afford your minimum monthly payments. It isn’t a credit check, and it has no impact on your credit score.

How It Works

  • Create your account in the Paytient app or web portal.
  • Use your Paytient card or virtual card to pay for health care expenses.
  • Click the notification or email prompting you to set your repayment plan.
  • Choose the payment schedule that works best for you.

Need Help?

Chat with the support team through the Paytient app or email You can also check out the Paytient + RR Donnelley benefit guide to learn more.

*The Paytient card works with providers in certain approved merchant categories. The provider self-selects their merchant category, and in some cases, a provider might not be categorized as expected.