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Frequently Asked Questions
Requirements for email sent to
ProfessionalCharges
A. To insure that your email is not filtered out, please include
"ProfessionalCharges" in the subject line followed by your
subject
heading. Example: "ProfessionalCharges: Question
about a
transaction".
B. Always include your username in the body of the email.
C. Never include your password or a credit card number.
Email is
not secure.
Response to your email will be sent within 24 hours during the
business week.
FAQ
1.
Why do I have to give you authorization to make deposits and withdrawals
to my bank account?
2. What type of bank account do I need?
3. How will I get paid for charges I submit through
ProfessionalCharges.com?
4. Is the information I submit on my application secure?
5. Who will review the information on my application?
6. Is there a contract to sign?
7. How do I prevent a charge back?
8. How do I protect myself from the disturbed client who is
mad at me and decides to stop the charges?
9. Can I accept credit card payment for services provided by my Psychological Assistant?
10. Is there a minimum use requirement? What if I don't submit any charges for several months?
11. Can I accept a credit card that was issued in another country?
12. How do I set my browser to manage cookies?
13. Isn't patient confidentiality violated by using your service?
14. Can I accept credit card payment for materials I produced or use to supplement
my services?
15. I am the Administrator of a Family and Community Counseling Agency. Services are
provided by both licensed professionals, and interns and trainees working toward licensure.
Can the Agency join and accept debit and credit card payments for the services provided by all our therapists?
16. I am having a problem with an error message that says, "This page
cannot be displayed." What is going on?
17. How do I setup my Website to accept credit card payments?
18. My client's MasterCard is a Medical Expense Plan.
It is to be used for medical expenses only. I verified the coverage for
our service with the insurance company, but when I attempt to make a
charge, it is denied. I called the company again about the denials and I
was told the charges were denied because the Merchant Code was
incorrect.
1. Why do I have to give you authorization to make deposits and withdrawals to my bank account, and
authorization to make charges to my credit card?
This is a standard practice in the industry. The acquiring bank uses an
automated system to electronically deposit payments into the
merchant's account, or to electronically withdraw collections. We use electronic funds transfer to
deposit funds directly into your account to help minimize our overhead
and provide an economically feasible means for you to be able to accept
credit cards. You will usually receive payment for your charges before the card holder
receives their credit card statement. A card holder has several months
to dispute a charge, and if your client claims the charge is incorrect
or fraudulent the funds have to be returned (charge back) unless we can prove
otherwise. We need to be able to withdraw money from your account, or
charge your credit card if necessary, to cover such a claim. The annual
membership fee will also be automatically withdrawn from your account when it is due.
2. What type of bank account do I need? You will need
a checking account. Your bank must allow
this account to be credited and debited via ACH methods. Your present business checking account
or personal checking account will likely be sufficient.
3. How will I get paid for charges I submit through ProfessionalCharges.com? The money will be deposited
directly into your checking account by Electronic Funds Transfer within 10 business days after you submit your transactions.
to top
4. Is the information I submit on my application secure? Yes, your application information is encrypted and secured.
to top
5. Who will review the information on my application?
A trusted administrative assistant will review the application for completeness.
Either Dr. Nadig or Dr. Nies will review the completed application for
final approval and activation of the new account. The information you provide
will be kept secure and confidential. to top
6. Is there a contract to sign? Yes, you will be asked to sign a form confirming you have read,
understand, and will abide by the Member Agreement, the User’s Guide, and the Schedule
of Fees. You also need to sign an authorization for ACH transactions that enable us to electronically transfer funds directly into your
account, and to personally guarantee the account. to top
7. How do I prevent a charge back? You can reduce the chances
of getting a chargeback by always getting a properly completed Credit
Card Payment Consent Form
authorizing the charge, and by being explicit
with your clients that your charge will be listed on their
monthly credit card statement as ProfessionalCharges.com or some
abbreviation of it. If a cardholder questions a charge the credit card
issuing bank will contact us and ask for verification. If we provide them
with a copy of the signed authorization within 72 hours, the matter should be resolved and no chargeback will occur.
If the cardholder claims the charge is fraudulent
the credit card company will chargeback the funds, and then notify us of
the chargeback.
The "Informed Consent" document that you have your
patients sign at the beginning of treatment may also be important. If
the patient incorrectly claims that you guarantee your services and will
give a refund if he/she is not satisfied, a copy of the signed informed
consent would also be needed. to top
There
are many laws protecting consumers. Protect yourself with proper
documentation and competent, ethical practice.
8. How do I protect myself from
the disturbed client who is mad at me and decides to stop the charges?
See No. 7 above.
9. Can I accept credit card payment for services provided by my Psychological Assistant? If
technically/legally it is your client, and if you supervise and are
legally responsible for the actions of your psychological assistant, you
can accept credit card payments for services rendered by your
psychological assistant.to top
10. Is there a minimum use requirement? What if I don't submit any charges for several months?
There is no minimum use requirement. It only costs $98.00 to have the option of being able to
accept your client's credit card. If you don't use our service there are no additional fees.
This is one of the benefits of becoming a member. to top
11.Can I accept a credit card that was issued in another country?
Sorry, no. We use address verification (AVS) as an extra security
measure. Unfortunately, the AVS has no way of verifying the validity of
addresses outside of the USA, and a submitted charge would be denied. to top
12. How do I set my browser to manage cookies? You can
set your browser preferences to either accept all cookies or alert you each time a cookie is offered.
- In Microsoft Internet Explorer 5:
On the menu bar, click the Tools menu and select "Internet
Options..." When the Internet Options screen opens, select the
"Security" tab. Click the Custom Level button. Scroll down
to the section marked "Cookies" and select the
"Enable" option for both types of cookies listed. Click
the OK button to close the Internet Options screen and return to the
browser.
- In Microsoft Internet Explorer 4:
On the menu bar, click the View menu and select "Internet
Options..." When the Internet Options screen opens, select the
"Advanced" tab. Scroll down to the yellow exclamation icon
next to "Cookies" and select the "Always accept
cookies" option. Click the OK button to close the Internet
Options screen and return to the browser.
- In Netscape 6: Open
the Edit menu and choose Preferences.
Under the Advanced category, choose Cookies. (If not all options are
visible in this category, click to expand the list.)
Click one of the radio buttons:
Enable all cookies: Choose this to permit all web sites to
set cookies on your computer and receive them back during subsequent
visits. Note: If you choose this option, and later choose to reject
all cookies, you may still have some older cookies stored on your
computer (though no new ones will be set).
Enable cookies for the originating web site only: Foreign
cookies are not accepted or returned. Cookies received through email
(when the message contains a web page) are treated as foreign
cookies.
Disable all cookies: Choose this to refuse all cookies.
If you want to be notified when a web site tries to set a cookie,
select "Warn me before accepting a cookie."
- In Netscape Communicator 4.x:
On the menu bar, click the Edit menu and select
"Preferences...". When the Preferences screen opens, click
on the "Advanced" category and select the "Accept All
Cookies" option in the box labeled Cookies. Click the OK button
to close the Preferences screen and return to the browser.
- In Netscape Navigator 3.x:
On the menu bar, click Options and select "Network
Preferences". When the Network Preferences screen opens, click
on the Protocols tab. In the box titled "Show an Alert
Before", unclick the checkbox for "Accepting a
Cookie" Click the OK button to close the Network Preferences
screen and return to the browser.
13. Isn't patient confidentiality violated by using your service?
No, use of our service is essentially the same process you would use if you had
your own merchant account with a card terminal in your office. The
charges get into the credit card processing system from our terminal
instead of yours, and ProfessionalCharges will show on the
person's credit card statement instead of your name. Nothing about
counseling or psychotherapy will be on the person's credit card
statement. On our end, the processing is automatic. You must also get
the person's signed authorization before you submit any credit card
charges.
14. Can I accept credit card payment for materials I produced or use to supplement
my services? Yes, we added this option after receiving several
requests for it.
15. I am the Administrator of a Family
and Community Counseling Agency. Services are provided by both licensed
professionals, and interns and trainees working toward licensure. Can
the Agency join and accept debit and credit card payments for the
services provided by all our therapists?
Yes, your agency can join as a professional association and the
services provided by all your therapists will be covered under the
agency's membership. Your agency could also accept debit or credit card
payments for any continuing education seminars it may provide.
16.I am having a problem with an error message that says, "This page
cannot be displayed." What is going on? If
you are getting the error message immediately when you request a page,
something in your computer is likely the cause of the problem. Below I
have listed some things you can do that might solve the problem. If the
error message occurs after several seconds and your browser times out,
the cause of the problem is likely on the Internet.
If the problem is on the Internet there is not much you can do. Try logging
off the Internet and then logging on again using a different access
number, or wait awhile and try getting the page later.
Unless you lost your connection or a server is down, you should be able to get
the page by clicking on the refresh button, or by clicking on the back
button and trying the page link again. This may happen if the Security
settings in your browser are not set right for SSL. Follow the
instructions on the error message or the help documentation in your
computer to check your Security settings.
Third party cookie managers, pop-up ad stoppers, ISP connection optimizers,
download managers, and other memory resident programs and browser
plug-ins can cause the problem. Try turning them off and adjusting your
computer's configuration so the miscellaneous programs only load into
memory when you need them. If you are using any of the programs that are
designed to work with your browser and the Internet, make sure you have
the most current, up-to-date versions. Visit the support area of the
maker's Website and look for the fixes or work-a-rounds for know issues.
Cookies that track your movement on the Internet, and other "spyware"
can cause this problem. Lavasoft
distributes a free multi spyware removal utility called Ad-aware
that scans your memory, registry and hard drives for known spyware
components and lets you remove them safely. Another free spyware
removal utility is Spybot
Search & Destroy, use them both.
If you continue to get the error message, here are some other things you can do that will likely clear it up.
- Microsoft frequently comes out with updates and new fixes. Make sure you have
the latest fix by running the Windows Update feature.
- Clear your cache and the temporary Internet files. You can do that by
clicking on the Tools menu and selecting Internet
Options. In the middle section of the window that pops up,
click on Delete Files. Check the box for Delete
all offline content, and click on OK.
- If you still get the error message, select Internet Options
again and in the lower section, click on Clear History
and select yes from the small window that pops up. Then in the
middle section of the Internet Options window click on Setting,
and move the slider a notch or two to the right to increase the
amount of disk space to use.
- If you still get the error message, delete the cookies stored on your
system by selecting Delete Cookies in the Internet
Options window.
- If you still get the error message, select Internet Options
again, then the Advanced tab and unselect “Show
friendly HTTP error messages.” Also unselect “Do not save
encrypted pages to disk” in the Security section.
- If you are using Windows 98, run the repair tool for IE. From the Programs
menu select Accessories, then System Tools,
and then System Information. From the Tools
menu select Internet Explorer's Repair Tool and follow
through with the repair.
If you are using Windows XP use the Internet Explorer
Troubleshooter. You can find it by selecting Help and
Support from the Start menu, clicking on Index
on the Tool Bar, typing in Internet Explorer in the search window,
and double clicking on troubleshooter. You can
also repair Internet Explorer by going to the Control Panel,
selecting the Add or Remove Programs, clicking on the Add/Remove
Windows Components, removing Internet Explorer, and then adding
Internet Explorer.
- Here is another fix for advanced computer users. Don't use this fix
unless you know what you are doing. If you still get the error
message, look for copies of Wisock.dll, Winsock32.dll, Wsock.vxd and
Wsock32.vxd that are not located in the Windows\System folder, and
rename them with .tmp as the new file extension. If this fixes the
problem but one of your Internet programs no longer works properly,
check the Website of the malfunctioning program for an update or
assistance.
- If you are an advanced computer user, Microsoft has several other fixes
in their knowledge base. Search on ”Troubleshooting Browsing Error
Messages in Microsoft Internet Explorer.”
17. How do I setup my Website to accept credit card payments? Create a page for online payments, which will
be an instruction page for your clients. We suggest wording similar to the following:
We use the secure payment processing services of ProfessionalCharges.com
to handle our online Debit and Credit Card payments.
To Make an Online Payment:
-
Click
on the Make a Payment link below, and the payment form will open in
a new window.
-
Enter
your name as it appears on your card.
-
Insert
my License Number xxxxxxxx in the space for the Provider's
License Number.
-
Complete
the form and click on the Submit Payment button at the
bottom.
-
Print
yourself a copy of the receipt that will appear on screen.
Make
a Payment
The
Make a Payment Link should be linked to our online payment page,
which is https://www.professionalcharges.com/account/clcharge.php3
Have our online payment page open in a new window, so that your client
will remain on your website.
You
will receive an e-mail notice every time an online payment is made, and
it will be posted on your Recent Account Activity ledger.
For
a working example visit www.conextra.com
18.My Client's MasterCard is a Medical Expense Plan. It is to be used for medical expenses only. I
verified the coverage for our service with the insurance company, but
when I attempt to make a charge, it is denied. I called the company
again about the denials and I was told the charges were denied because
the Merchant Code was incorrect. When you called to verify coverage for your
services the insurance company entered your name in their data base. The
charges were received by them coming from ProfessionalCharges.com, not
your name. With these kind of plans, when you call to verify coverage
for your services, tell them that you use a third party service to make
your charges and give them our name.
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