receiving, by a payment platform, input data associated with a completed healthcare service already provided to a patient, the input data having a first format;

translating, by the payment platform, the input data into a second format compatible with a provider system having financing credit history data associated with the patient;

retrieving, by the payment platform and from the provider system, using the translated input data, the financing credit history data;

translating, by the payment platform, the financing credit history data into a third format compatible with a plurality of third party financing partner systems;

generating, by the payment platform and in a user interface, a plurality of financing options from the plurality of third party financing partner systems for one or more of the plurality of third party financing partner systems to pay for an existing and known amount of a healthcare bill that is currently owed for the completed healthcare service already provided to the patient, wherein the patient is obligated to pay back the known amount of the healthcare bill over time to the one or more of the plurality of third party financing partner systems, and wherein the plurality of financing options are based on the translated financing credit history data;

receiving, by the payment platform, a selection from the user interface of the one or more of the plurality of third party financing partner systems; and

establishing, by the payment platform, a communication channel between the user interface and the one or more of the plurality of third party financing partner systems.