For the Pay Over Time option, are there penalties for paying early? September 16, 2019 21:40 Updated Never! There are absolutely no penalties for paying early. If you want to make early payments, you're welcome to do so anytime through your online account at pay.wellpay.care. Related articles What does Wellpay do? Can I use Wellpay to pay for any healthcare? What is Wellpay? What types of billing status updates will I receive? How do I offer Wellpay in my practice?