Your practice.
Fully covered.

Umbrella is the SaaS platform that lets dental practices run membership plans, manage treatment payment plans, close more cases with digital treatment acceptance, and recover outstanding balances — all for a flat 3% platform fee plus standard payment processing.

Start for free See the products →

The financial operating layer built for the modern dental practice

Membership Management◆Treatment Payment Plans◆Digital Treatment Acceptance◆Revenue Recovery◆Auto-Charge on File◆Collections Management◆PMS Sync◆Flat 3% Platform Fee◆Fee-for-Service Ready◆White-Label for DSOs◆Membership Management◆Treatment Payment Plans◆Digital Treatment Acceptance◆Revenue Recovery◆Auto-Charge on File◆Collections Management◆PMS Sync◆Flat 3% Platform Fee◆Fee-for-Service Ready◆White-Label for DSOs◆

Transparent pricing

3%Umbrella platform fee

2.9% + 30¢Stripe payment processing

Total effective rate~5.9% + 30¢ per transaction

Going fee-for-service?

Dropping insurance is a big move.
Umbrella makes sure you land on your feet.

When a practice goes fee-for-service, three things have to work from day one: patients need an alternative to their lost benefits, big treatment costs need to feel manageable, and case acceptance has to stay high. Umbrella is built to handle all three.

♦

Replace insurance benefits

Launch a branded membership plan that gives uninsured patients a real reason to stay with your practice.

◈

Make big cases sayable

Offer in-house payment plans so patients can say yes to treatment they could not afford upfront.

◇

Close more cases

Send patients a digital treatment plan link where they review, accept, and choose how to pay — all in one step.

Four products. One platform.

Everything a practice needs
to run its full revenue program.

♦

Membership
Management

Set up a branded membership plan in minutes. Patients enroll, pay monthly, and funds settle directly to your practice. Umbrella handles recurring billing, failed payment retries, and enrollment tracking automatically.

✓Recurring monthly billing via Stripe
✓Automatic failed payment retries
✓Patient self-enrollment portal
✓Real-time membership analytics
✓Branded to your practice, not to us

◈

Treatment Payment
Plan Management

Let patients pay for procedures in installments, managed entirely in-house. Your practice sets the terms. Umbrella automates the billing — either by auto-charging a card on file or by sending a payment link each cycle.

✓Auto-charge card on file via Stripe
✓Automated SMS + email payment reminders
✓Practice-defined payment schedules
✓Escalating reminder cadence if needed
✓Zero credit licensing required

◇

Digital Treatment
Acceptance

Send patients a mobile-friendly link where they review their proposed treatment, see the cost, and immediately choose how to pay — in full, via a payment plan, or through their membership. E-sign and done.

✓Mobile-first patient experience
✓Integrated payment selection at point of acceptance
✓E-signature capture
✓Feeds directly into payment plans and membership enrollment
✓Essential for fee-for-service practices

⬡

Revenue
Recovery

For balances that go past due, Umbrella surfaces a clear collections workflow. Flag accounts, alert the practice, track every patient in collections status, and sync the outcome back to your PMS so your records stay clean.

✓Automated past-due escalation alerts
✓One-click collections flagging
✓Collections pipeline dashboard per patient
✓Recovery tracking and status updates
✓PMS sync — collections status written back automatically

PMS Sync

Collections status syncs back to your practice management software automatically. No manual record updates.

The honest comparison

Your current options
are costing you too much.

Your current options

15–26%

merchant discount rate (third-party financing)

✕The financing company extends credit, not you

✕They own the patient's financial relationship

✕You lose 15–26 cents of every treatment dollar

✕No membership plan management built in

✕No collections or recovery tooling

✕Not built for fee-for-service practices

Umbrella

~5.9%

3% platform fee + 2.9% + 30¢ Stripe processing. All in.

✓Your practice sets every payment term

✓You own the patient relationship completely

✓You keep ~94 cents of every dollar collected

✓Membership management built in from day one

✓Revenue Recovery and collections pipeline included

✓Purpose-built for fee-for-service success

Dead simple

Up and running
in under 10 minutes.

Sign up free

Create your account. No credit card required on the Starter tier.

Configure your products

Set your membership price, payment plan terms, and treatment acceptance flow. You control every detail.

Enroll patients

Share branded links. Patients pay via Stripe. Funds settle directly to your practice. Cards saved on file for auto-charge.

We handle the rest

Automated billing, reminders, escalations, collections alerts, and PMS sync — all running in the background.

Pricing

Simple, honest pricing.

3% Umbrella platform fee + 2.9% + 30¢ Stripe processing on every transaction.

Starter

Free

Forever free

✓Up to 10 enrolled members

✓Membership management

✓Basic analytics

✓3% platform fee + Stripe processing

Get started free

Exactly what you pay, on every transaction.

We do not hide fees. Stripe processes every payment and charges their standard rate separately from our platform fee. Here is the full picture on a $100 transaction.

Patient pays

$100.00

→

Umbrella fee (3%)

−$3.00

→

Stripe fee (2.9% + 30¢)

−$3.20

→

Practice receives

$93.80

Stripe's rate is 2.9% + $0.30 per successful card charge. Rates may vary for international cards. See Stripe's full pricing →

Start free.
Grow on your terms.

No setup fees. No licensing requirements. No surprises. Just a 3% platform fee plus Stripe processing on what you collect — and four products that actually work.

Create your free account

Your practice.Fully covered.

Dropping insurance is a big move.Umbrella makes sure you land on your feet.

Everything a practice needsto run its full revenue program.

Your current optionsare costing you too much.

Up and runningin under 10 minutes.