“Can a zero-interest employer-sponsored healthcare payment account become the default way American workers finance out-of-pocket medical expenses?”
TempoPay was founded in 2021 inside Redesign Health as a healthcare financial wellness benefit — essentially a zero-interest, fee-free revolving credit account for employees to pay healthcare expenses and repay via payroll deduction. Rather than building proprietary payroll integrations, TempoPay adopted Finch's unified payroll API to scale connections to employer payroll systems rapidly. The company's embedded finance angle is narrow but focused: it is an interest-free patient financing product delivered via the employer benefits channel, with payroll deduction as the repayment rail.
TempoPay's payroll is powered by Finch.
The Embedded Finance Index 2026 maps 3 layers in TempoPay's stack: Lending (Interest-free healthcare revolving credit account); Payroll (Finch); Unified APIs (Finch).
TempoPay was founded by Tim Danison, Erika Davison-Aviles and Joshua Goldstein and is founded in 2021, headquartered in United States.
Get a read on where your own stack stands against TempoPay 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.