← State of Embedded Finance 2026

Planet DDS

Can a dental PMS vendor become the financial and operational OS for DSOs by embedding payments, financing, and an open API marketplace?

HQIrvine, CA
IndustryVertical SaaS / Dental
The story

Planet DDS is a cloud-based dental practice management software vendor (Denticon, Cloud 9 ortho, Apteryx imaging) serving DSOs and group practices. Over 2023-2025 it moved decisively into embedded finance — first with Denticon Pay (2023), then a Stripe-powered rebrand to Planet DDS Pay (2025), and an expanded CareCredit financing partnership (2026). The DentalOS platform and Open API strategy position Planet DDS as the financial and operational OS for multi-location dental groups.

Last 12 months
2026-02
2025-02
Product timeline
2021
CareCredit integrated into Denticon practice management software· lending
2023
Launched Denticon Pay with PCI P2PE payment acceptance· payments
2024
Unveiled Open API program and developer platform for DSOs· platform
2025
Launched Planet DDS Pay powered by Stripe, replacing/expanding Denticon Pay across Denticon and Cloud 9· payments
2026
Expanded strategic partnership with Synchrony — CareCredit becomes preferred financing solution across Denticon and Cloud 9 (2,500+ ortho + 15,000+ dental practices)· lending
The stack
Payments / PSP
StripePlanet DDS Pay (self-branded, powered by Stripe)Denticon Pay (legacy, self-branded)
Lending
CareCredit patient financing integrated into Denticon and Cloud 9CareCredit Quickscreen pre-approval
Accounting
Jarvis AnalyticsDental XChange (RCM/insurance claims)835 ERA electronic remittance advice (in Denticon Practice Analytics)
Accounting gap: significant