$0 to the clinic. No setup, no merchant discount, no hidden fees.
| Feature | Affirm / CareCredit | Winning Diabetics |
|---|---|---|
| Soft pull first | ❌ | ✅ |
| Approves low-credit patients | ❌ | ✅ |
| Works for med spa / GLP-1 | ❌ | ✅ |
| Merchant fee | 6–14% | 0% |
| Payout to clinic | 1–7 days | Instant |
| Risk to clinic | Moderate | None |