cuper

Cuper is a Mexican digital lending platform specializing in healthcare financing that operates under the legal entity Cuper Pay S.A.P.I. de C.V. The company provides patients with an installment payment solution for medical services, procedures, surgeries, and insurance deductibles without requiring a traditional credit card. Patients can finance healthcare expenses in flexible payment plans of 4, 8, or 12 bi-weekly installments through a fully digital onboarding process that takes less than five minutes. Users only need an official identification card (INE) and make their first payment with a debit card, with subsequent payments available via bank transfer, cash, or card. The platform operates through QR code scanning technology at affiliated medical providers' offices and hospitals, enabling immediate credit approval. Healthcare providers partnered with Cuper receive payment within 24 hours, improving their cash flow while making their services more accessible to patients. The company has established partnerships with prominent Mexican healthcare institutions including Star Médica, Dalinde, and Hospital San Ángel Inn Sur. Cuper charges a fixed service commission depending on the term and amount of the purchase, with transparent pricing disclosed upfront. The platform explicitly states it is not a bank and does not offer traditional banking services. Cuper serves a wide range of healthcare specialties including dental, vision, cosmetic, hearing, primary care, dermatology, surgery centers, pharmacy, veterinary services, and personal care. The company is based in Miguel Hidalgo, Mexico City, and positions itself as addressing healthcare accessibility through buy-now-pay-later financing tailored specifically for the medical sector.