Cny Fertility
“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.