TL;DR
Bask Health is a rapidly growing health tech marketplace connecting patients directly with healthcare providers. Every transaction is a complex multi-party split involving the patient, the platform fee, and the provider payout. To handle this at scale, Bask Health migrated to Juspay Hyperswitch. Hyperswitch provided a unified orchestration layer to automate complex split settlements via Stripe Connect, enabled broad payment method coverage (including crucial BNPL options), and implemented seamless, same-session manual retries to rescue failed payments – all without requiring Bask Health to re-architect their core stack as they grow.
| What Bask Health Needed | What Hyperswitch Delivered |
| Split payments to providers via Stripe | Stripe Connect split settlement with platform fee deduction |
| Diverse payment methods for patients | Cards, BNPL supported |
| Payment recovery without patient friction | Manual retry within the same checkout session — no restart, no new intent |
Impact
- Streamlined multi-party split settlements
- Enabled BNPL and recurring payments across split flows
- Increased payment recovery rates with frictionless inline retries
Products Used
- Hyperswitch
Bask Health operates a dynamic HealthTech marketplace that bridges the gap between patients and healthcare providers. In this ecosystem, getting the money to the right place, in the right amount, without any of it falling through the cracks is not just a backend operational feature – it is the core product. Every patient payment touches multiple parties: the patient paying for care, the platform extracting its fee, and the provider waiting on their disbursement.
As the platform scaled its provider network, the engineering complexity of routing these funds grew exponentially. HealthTechs often start with a single Payment Service Provider (PSP) for straightforward destination charges. However, as they expand and inevitably need to add new processors for redundancy or geographic coverage, they run into a compounding technical wall: every PSP implements split settlements entirely differently. A marketplace model using Stripe Connect behaves vastly differently from Adyen Balance Accounts or Xendit's Split API. Without a portable abstraction layer, Bask Health faced the nightmare of multiplying maintenance overhead and operational complexity. Adding to this friction was the need to support diverse payment preferences like Buy Now, Pay Later (BNPL) options for high-ticket care, and the critical need to recover failed payments smoothly without forcing vulnerable, mid-consultation patients to restart their entire checkout journey.
To overcome these challenges, Bask Health turned to Juspay Hyperswitch and deployed an advanced orchestration layer purpose-built to handle the deep technical nuances of multi-party routing and frictionless checkout recovery.
Unified Split Settlement Layer for Scalable Marketplace Disbursements
Hyperswitch equipped Bask Health with a powerful abstraction layer that natively handles the deep complexities of multi-party routing. Currently utilizing Stripe Connect, Hyperswitch seamlessly splits platform fees from provider payouts on every single transaction. More importantly, this architecture future-proofs the platform: as Bask Health matures and integrates additional PSPs, their configured split rules will automatically translate into the correct native format for each new processor – without requiring Bask Health's engineering team to constantly rewrite their core split logic.
Features used: Split Settlements
Enhanced Payment Method Coverage for Patient Convenience
Patients expect flexibility, especially when financing higher-ticket healthcare services. Hyperswitch ensured that Bask Health's split settlement logic worked flawlessly across a vast spectrum of payment methods, not just traditional credit cards:
- Cards (Visa, Mastercard, Amex) – via Stripe Connect
- Klarna (BNPL) – via Stripe Connect
- Affirm (BNPL) – via Stripe Connect
- Afterpay / Clearpay – via Stripe Connect
This flexibility even extends to recurring payments (CIT/MIT), securely storing split metadata within the mandate so recurring treatments are processed without re-specifying the split routing each time.
Features used: Payment Method Routing, Multi-Processor Support
Retries for Frictionless Payment Recovery
When a patient's card declines for any reason, standard checkout flows aggressively redirect them back to the start, forcing a page refresh and generating a brand new payment intent. For a patient seeking care, this friction causes immediate abandonment at the worst possible moment. Hyperswitch solved this by deploying an inline Manual User-Triggered Retry flow. If a payment fails, the patient receives a clear inline prompt to update their card details or switch payment methods. The retry completes entirely within the same SDK session, saving the patient from losing their checkout context, rescuing the transaction, and keeping backend reporting exceptionally clean with only a single payment intent to reconcile.
How it works:
- Payment fails – e.g., insufficient funds or a declined card
- Patient sees the failure inline with a clear prompt to retry
- Patient updates their payment method or selects a different card
- Retry completes within the same session – no new payment intent, no loss of checkout context
Features used: Smart Retries — Manual User-Triggered
Result: A HealthTech-Optimized Payments OS
By upgrading their marketplace infrastructure with Juspay Hyperswitch, Bask Health successfully transformed complex multi-party payment operations into a scalable, programmatic engine:
- Future-Proofed Marketplace Scaling: By abstracting the complex split settlement logic, Bask Health eliminated the engineering bottleneck of adding new PSPs, setting the stage for unhindered platform growth.
- Maximized Patient Conversion: Extending split payment capabilities to popular BNPL options like Klarna and Affirm gave patients the financial flexibility they need for high-ticket care, directly driving platform volume.
- Rescued Revenue & Enhanced Experience: Frictionless, same-session manual retries drastically reduced checkout abandonment, preserving the patient experience and capturing revenue that would have otherwise been lost to clunky redirects.
Looking Ahead
As Bask Health continues to expand its network of healthcare providers, its payment infrastructure is no longer a constraint, but a powerful catalyst. By onboarding Juspay Hyperswitch as its intelligent orchestration layer, Bask Health has successfully modernized its multi-party marketplace architecture. They are now perfectly poised to scale their HealthTech platform globally, delivering seamless access to care for patients and reliable, automated disbursements for their network of providers.
