“Can a cloud-native dental PMS own the full financial stack — payments, financing, and insurance reconciliation — that flows through 80,000+ dental practices?”
Founded 2004 as a pure cloud-based dental practice management software (PMS), Curve spent its first decade competing on cloud-native architecture versus on-prem incumbents like Dentrix and Eaglesoft. From 2013 the company incrementally added embedded finance capabilities — integrated payments, then CareCredit financing — but relied on third-party partners like Global Payments Integrated. In 2025, Curve made a decisive shift to owning the financial layer with the launch of Curve Pay, an embedded payments product powered by Stripe with auto-posting and next-day payouts, followed in 2026 by embedding Klarna BNPL directly at the point of treatment. The company is now positioning itself as an all-in-one clinical + AI + payments platform for dental practices.
Curve Dental processes payments through Stripe, Global Payments Integrated and Curve Pay (self-operated).
Curve Dental's lending and capital products are provided by Klarna, Affirm and CareCredit.
Curve Dental's payroll is powered by Rippling.
The Embedded Finance Index 2026 maps 3 layers in Curve Dental's stack: Payments / PSP (Stripe, Global Payments Integrated and Curve Pay (self-operated)); Lending (Klarna, Affirm, CareCredit, Klarna pay-in-4 and longer-term financing (patient) and 2 others); Payroll (Rippling).
Curve Dental is founded in 2004 and headquartered in Alpharetta, GA (with offices in Provo, UT; Calgary, Alberta; Aberdeen, Scotland).
Get a read on where your own stack stands against Curve Dental 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.