Challenge

As a developer, Nicholas Sanderson watched as his healthcare clients juggled disconnected systems for booking appointments, managing client workflows, and handling invoicing and payments. Inspired by these challenges, he founded splose in 2018, a modern practice management platform for allied health practitioners including physiotherapists, occupational therapists and speech pathologists.

As a startup based in Adelaide, Australia, with a lean engineering team, splose needed a payment provider that could help it automate its recurring subscriptions, accept payments from health clinics, achieve high authorisation rates without manual oversight and support its global expansion plans.

splose also wanted a payment provider that could help the company achieve its goal of becoming an all-in-one practice management platform, which included simplifying how health clinics collected payments. When the platform first launched, clinics still had to rely on separate, disconnected systems to accept payments. That added friction, increased manual follow-up, and slowed time to payment for practitioners.

To fully deliver on its vision of a holistic practice management solution, splose wanted to integrate payment processing directly into its platform.

"The idea was to make it easier for our users to get paid faster and speed up their cash flow," said Lloyd Carroll, head of payments and invoicing at splose.

Solution

splose launched its platform in 2020, using Stripe to accept payments from practices. "When we launched, we were just a team of three working out of a coworking space. With Stripe's reputation in the startup ecosystem, it was an easy choice to choose Stripe as our billing partner," said Sanderson.

splose implemented Stripe Billing to manage subscription billing from its practitioner clients and support the launch of add-on products such as splose AI, a tool that helps practitioners create session notes, analyse patient histories, and uncover deeper insights from patient records.

To power payments for health clinics, splose adopted Stripe Payments as the foundation of its payments experience. With Stripe's Optimized Checkout Suite, splose was able to implement a flexible checkout experience without taking its engineers away from product development. The company deployed Stripe Checkout to quickly add a prebuilt payment form that accepts credit cards, Google Pay, Apple Pay, bank transfers, and Link, a digital wallet built by Stripe that autofills preferred payment details for faster checkout. To tailor the payment experience to each of splose's users, AI models built into the Optimized Checkout Suite determine which payment methods to display, and in what order, for each checkout session.

splose also enabled Stripe Authorization Boost, a bundle of built-in AI-powered acceptance optimisations that are part of Stripe's Payments Intelligence Suite. The authorisation optimisations, including card account updater and Smart Retries, run in the background to keep card information up-to-date and recover false declines.

As splose expanded internationally, Stripe made it possible to configure region-specific subscription products and accept payments in local currencies while maintaining a single Stripe interface. "We see a significant opportunity in New Zealand and the UK, with very similar problems that allied health professionals face in Australia," said Sanderson.

In 2021, splose integrated Stripe Connect so practices could offer the same frictionless payment experience to their own customers. Practitioners can onboard quickly to begin accepting payments, with Stripe handling all identity verification and compliance requirements. splose also used Stripe Terminal to integrate in-person payments into its platform, enabling practitioners to accept payments in store with a WisePOS E device or online through a "pay now" button on their website.

Results

Authorisation optimisations drive $334K AUD in annual revenue uplift

splose uses Stripe's authorisation optimisation tools to automatically recover 62.7% of failed payments, generating AU$334,000 in revenue uplift annually.

"We don't even have to actively use those tools. We know Stripe is using them in the background, and it just works like magic for us," said Carroll.

splose expands to two new global markets

As splose expanded into New Zealand and the UK, it used the Optimized Checkout Suite to configure region-specific products and accept payment in local currencies without rebuilding its payments infrastructure.

"Stripe allowed us to focus on spinning up locally compliant products and offer subscriptions in New Zealand dollars or British pounds," said Sanderson.

splose payments help clinics save up to 10 hours per week

Once onboarded through Connect, practices can collect payments during a patient visit or through an emailed invoice, then automatically reconcile transactions within the splose platform. This eliminates manual work and removes the need to import data from third-party systems, saving clinics up to 10 hours of administrative work per week.

Clinics get paid up to 5x faster with splose payments

With payments embedded directly into splose's platform, clinics that use this feature get paid up to five times faster than those relying on external payment processors. Faster access to funds improves cash flow for clinics while increasing the adoption rate of payments within splose, helping the company deliver more customer value while growing its payment volume and revenue.

AU$50 million in payment volume processed through splose's platform

Practices use splose to process approximately AU$50 million in annual payment volume, with adoption driven organically through the product.

"We expect to double the number of users processing payments through splose by the end of the year as we invest more in our go-to-market and make users aware of how we can streamline how they get paid," said Sanderson.

Embedded payments generate AU$250K in revenue annually

By enabling payments with Connect, splose delivered an end-to-end payment experience for practitioners while creating a new revenue stream for the business. In 2025, embedded payments generated AU$250,000 in revenue for splose.

"As we've scaled globally, payments represent a huge opportunity as a revenue stream," said Sanderson.