Synchrony Financial announced a partnership with Weave, a leading all‑in‑one customer‑experience and payments platform for small and medium‑sized healthcare businesses, that will embed Synchrony’s CareCredit financing solution directly into Weave’s software. The integration allows providers to present patients with flexible payment options within their existing workflows, streamlining practice operations and accelerating treatment decisions.
The partnership is designed to give patients clearer and easier access to financing. Weave’s data shows that 43% of its payment‑product customers indicated they would be willing to use Weave’s services exclusively if CareCredit were added, underscoring the demand for integrated financing options in the healthcare space.
Strategically, the deal extends Synchrony’s embedded‑finance capabilities beyond its traditional retail partners into a high‑growth vertical. The move follows recent integrations with Clover and Planet DDS, positioning CareCredit as a key player in the broader health‑and‑wellness ecosystem and expanding Synchrony’s fee‑based revenue base.
Synchrony’s Q4 2025 earnings, released on January 27 2026, provide context for the partnership. The company reported earnings per share of $2.18, beating estimates of $2.02, while revenue of $3.79 billion fell short of the $3.84 billion consensus. The earnings beat was largely driven by disciplined cost management that preserved margins despite a modest revenue decline, whereas the revenue miss reflected broader market conditions and a slight drop in demand across legacy segments.
The healthcare financing market is growing as patients seek flexible payment options to manage rising out‑of‑pocket costs. CareCredit remains a leading provider, and the Weave integration positions Synchrony to capture new merchant relationships and deepen its presence in a competitive landscape that includes Wells Fargo and Bread Financial.
"By embedding CareCredit's financing intelligence directly into Weave's messaging and payment workflows, we are removing the friction that often prevents patients from moving forward with treatments," said Scott Chandler, VP of Strategic Partnerships at Weave. "This integration goes beyond simple payment processing; it creates a more transparent and efficient ecosystem for everyone involved," added Greg Pierce, SVP of Network Solutions at Synchrony.
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