“Can an affordable fertility clinic network eliminate the financial barrier to IVF by embedding flexible, no-credit-check payment plans directly into its care delivery platform?”
Founded in 1997 as an affordable fertility clinic network, CNY Fertility has differentiated itself by pricing IVF at roughly one-third the national average and offering in-house financing to all patients with no credit checks. The company's most significant embedded finance move was commissioning Echobind to build a bespoke 'Fertile Financing Platform' on top of Stripe Billing, Payments, and Connect — automating what had been entirely manual patient payment plan enrollment and centralizing all billing into a single system. This positions CNY Fertility as a healthcare provider that has internalized fintech tooling to remove the financial friction from fertility treatment.
Cny Fertility processes payments through Stripe.
The Embedded Finance Index 2026 maps 2 layers in Cny Fertility's stack: Payments / PSP (Stripe); Lending (In-house patient payment plans (no credit check) and Future Family fertility loans (referral partner)).
Cny Fertility is founded in 1997 and headquartered in Syracuse, NY, USA.
Get a read on where your own stack stands against Cny Fertility and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.