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Patient Financing

Welcome to CommerceHealthcare®. We collaborate with your healthcare provider to deliver convenient and affordable patient financing solutions. By using one of our patient financing programs, Health Services Financing (HSF®) or CommerceCare®, you may consolidate your medical expenses into one monthly payment.

Access Your Account & Make a Payment

View your account balance, make a payment, or set-up recurring payments online.

Make a Payment

For questions regarding your account or to pay by phone, call 855-893-1292.

Frequently Asked Questions

Have questions? We have answers. Check out our FAQ section for additional information.

Patient Financing FAQs

How to Make a Payment


Make a Payment

Available 24/7/365 – Pay using a checking or savings account, eligible debit card, or HSA/FSA debit card.

Automatic Monthly Payment

Automatic payments can be established using valid checking or savings accounts information.

This method will automatically debit the payment from your designated checking or savings account each month and apply the payment directly to your line of credit as of the date you choose.

Options for automated payment include minimum payment due, a fixed payment amount or full payment of previous balance due. Please note that minimum and full payment options will detect and adjust for any other payment(s) towards your line of credit(s). The full amount of the monthly scheduled payment will not be withdrawn from the designated bank account in any month that other payment(s) toward the line of credit(s) have been made and/or the monthly payment amount has been otherwise satisfied in full. However, when utilizing the fixed payment automation option, the full amount will be withdrawn from the designated bank no matter if a partial or full payment was previously processed.

Payment credited on the date you choose the withdrawal to be made.

By Phone

Automated Phone System


Available 24/7/365 – choose option to make a payment using any checking or savings account to your Commerce line of credit. (No fee for this service.)

Payment credited on the date received.

Customer Care Center (Speak with a Customer Care Associate)


Hours of Operation: (Times given in Central Time)

  • Monday – Friday, 8:00 am – 8:00 pm
  • Saturday and nontraditional holidays, 8:00 am – 4:00 pm
  • Closed Sunday and Federal Holidays

With a Commerce deposit account or a Commerce Debit Card: Choose to transfer funds from your Commerce Bank deposit account or an eligible Commerce debit card to your line of credit account.

With a non-Commerce checking or savings account, an eligible* debit card, or an HSA/FSA debit card.

*"eligible debit card" means it is linked to any of the following Networks: Star, Accel, Pulse, or NYCE.
Payment credited on the date received

In Person

Make a payment at a Commerce ATM (Commerce account required)

Visit a branch

By Mail

Commerce Bank
P.O. Box 801042
Kansas City, MO 64180-1042

Payments must be accompanied by the payment form or account number, and in the form of a check or money order in U.S. Dollars drawn on a U.S. financial institution.

Payments received at 5 p.m. CT or after will be credited to your account no later than the next Business Day.


We can help you find answers to questions regarding an established HSF® or CommerceCare® account.

Call 855-893-1292