Types of Cards Accepted

How to Log in

How To Submit a Charge

Online Payment
by Clients

Required Documentation

Record Keeping

How to Check on Submitted Charges

Correcting Errors


Disputed Charges and Charge backs

Security Issues

Prohibited Acts


Making Changes: new E-mail address new bank account etc.

Membership Renewal and Termination

User's Guide 

Types of Cards Accepted

Presently only ATM and debit cards with the VISA and MasterCard logo are accepted. As the use of ATM and debit cards become more standardized and universal, we will expand our acceptance to other cards.  
Charges to credit cards issued by VISA, MasterCard, Discover, and American Express are accepted.  

How to Log in

Password Log in 
Enter your User Name and Password, and then click on the Enter button, you will be taken to the Account Summary and Submit Charges page.

Lost Passwords 
If you don't enter the correct password, you will get an error page with a link to the password recovery system. Enter the information requested and your password will be emailed to you. 

How To Submit a Charge

  1. Carefully inspect the card. The signature on the back of the card should match the name embossed on the front of the card. Note the expiration date.
  2. Complete the Credit/Debit Card Payment Consent Form and have the cardholder sign the completed form. Make sure the signature on the back of the card matches the signature you get on the consent form. Tell your clients that the charges will be listed as ProfessionalCharges on their credit card statement, and that your name will not appear on the statement.
  3. Enter all the requested information on the Submit Charges page, and then click on the Submit Charges Now button.

How to know if the submitted charge was Accepted or Denied 
Within a few seconds after submitting the charge, the client's card will be verified and charged. If the charge was accepted, a message will be sent to your screen confirming the charge. If you like, you can print this page and give it to your client as the receipt. If your patient's card company refused to accept the submitted charge, a message will appear on your screen indicating the charge was declined. If the system was down and your submitted charge did not go through, a "Service Unavailable"  message will appear on your screen. If you get the "Service Unavailable" message, try submitting the charge again a little later. You can check on previously submitted charges by going to your Account History page.

Online payment by Clients

Give your clients your license number, or your Employer Identification Number (Tax ID) if you are an organization. Instruct them to log on to and click on the "Make a Payment" button and complete the payment form. You will receive an email notification of the payment, and the payment will be automatically posted to your account. 

If you have a Website with online registration for your services, you could have a Link to our online Submit Payment page open in a new window on your Website. Your clients could then make a payment without leaving your Site. The URL for the protected online Submit Payment page is:

Required Documentation

Payment Consent Form
It is mandatory that you have signed authorizations for every charge that you submit. We prepared the Credit/Debit Card Payment Consent Forms for your convenience; print out a supply of the appropriate form. Every time you submit a charge get a signed consent form, unless your patient has authorized you to charge all visits in the next 12 months, recurring charges, or for the balance not paid by the person's insurance company, then you need only one completed and signed Patient Consent Form as long as your charges are within the amount and time limits indicated. Give your client or patient a copy so he/she will have a record of what was authorized, and will be less likely to question or dispute a charge. 

Tip: Select the HTML version on the Forms page. Copy and Past the entire consent form into your word processor. Type your name in the appropriate space and print yourself a supply to keep available.

You can also use your own printed statement or letterhead for the required receipt. The following items must be on the receipt:

 1. I authorize Name of therapist and to charge my card...
 2. Cardholder's name as it appears on the card.
 3. Name of patient if different than cardholder.
 4. Type of card, VISA, MasterCard, or Discover.
 5. Card number.
 6. Card's expiration date.
 7. Date of transaction.
 8. Transaction type (charge or credit).
 9. Brief description of service, and place of service.
10. Total amount of transaction.
11. The following statement: "Charges will appear on your monthly card statement as ProfessionalCharges."
12. Address and telephone number of

The following statement must be on the signed authorization form "Charges will appear on your card statement as an abreviated form of "" The statement will be needed if the charge is ever questioned.

It is also mandatory that you give a receipt to your client for every charge or credit refund that you submit. You can give the client a receipt at the time of every charge, or a monthly, semimonthly or weekly receipt, depending on your office procedures.  However, do not let more than a month go by without giving your client a receipt.

For your convenience you can use a printed copy of the confirmation page that you get immediately after submitting a charge, as the receipt. Also for your convenience we have prepared a blank receipt you can print out and complete yourself.

Documentation Requirements for Professional Associations

Card Payment Authorization
You can use whatever style or design you prefer for collecting the information needed to make the charge, as long as the following required information is included:

  1. I authorize Name of therapist and to charge my card...
  2. If charge is for membership dues, indicate the membership year or time period.
  3. If charge is for a conference, indicate the name, date and location of conference.
  4. Name and address of member, or person attending the conference.
  5. Name on credit card if different.
  6. Type of card, VISA, MasterCard, or Discover.
  7. Card number.
  8. Expiration date.
  9. DVV Security Number from back of card
  10. Amount Charged.
  11. Signature of card holder.
  12. The following statement: "Charges will appear on your monthly card statement as"
  13. Address and telephone number of

Receipts for Membership Dues and Conference Fees
You can use your own style or format for the receipt, as long as the following required information is on the receipt.

  1. Name and address of association.
  2. Cardholder's name as it appears on the card.
  3. Name of member, or person attending conference, if different than cardholder.
  4. Type of card, VISA, MasterCard, or Discover.
  5. Card number.
  6. Card's expiration date.
  7. Membership Dues for what year or time period. If payment was for a conference, indicate the name, date and location of conference.
  8. Total amount of transaction.
  9. Date charge was submitted.
  10. The following statement: "These charges will appear on your monthly card billing statement as"

Record Keeping

Make the original signed Credit Card Payment Consent Form part of your permanent record, and comply with the applicable laws for record keeping. At a minimum keep them for 3 years. Keep them confidential, secure and available to you so that you could send us a copy within 24 hours of a request for information. If a cardholder or patient questions a charge, a copy of the signed authorization will be needed to prevent a charge back. 

How To Check on Submitted Charges

You will find an itemized listing of the charges you have submitted on your Account Charges page. It will show the transaction number assigned by the card processor, date, name on the card, card type, partial card number, approval status, and the amount charged. 

On this same page, you can also seethe amount that was deposited into your account for each charge and the date of deposit. The funds will be deposited into your account by Electronic Funds Transfer (EFT) 2 - 3 days after you submit the charge. The difference between the amount charged and the total EFT deposited into your account reflects the discount rate and the transaction charge. 

The remaining 3 columns will show any adjustments, reason adjusted, and date of adjustment.

Correcting Errors

If you have made a mistake and overcharged, used an incorrect date of service, or charged the wrong patient and the submitted charge was approved, it is too late to void the transaction. You must correct this kind of mistake by submitting a credit refund. As soon as you discover the mistake, notify the patient or cardholder of the error and of your credit refund. The usual transaction fees will apply. 

If you made an error and undercharged, notify your patient of your mistake and ask them if they want you to submit a new charge for the amount of the undercharge, or if they prefer to make up the difference another way. If 60 days or more have passed since you obtained the original authorization, do not submit a new charge for the corrected amount without obtaining a new authorization for the new charge. An alternative would be to simply bill them for the difference. The ease of getting a new authorization would be a consideration. Use your best judgment as to which approach you take. You want to avoid creating a situation where the cardholder discovers an unexpected charge on his/her credit card statement and questions or denies it.


If you submitted a charge and made a mistake, and need to give your patient a refund, go to the Recent Account Activity page, and then click on the refund link in the far right column and a Confirm Refund page will appear. Enter the reason for the refund and click on the "Yes, Request Refund" button. You will get a confirmation email message when the credit refund has been processed.

A refund can only be issued for a charge that was submitted and approved. A partial refund is not an option. The usual transaction charges apply to refunds. If the refund is a large amount, consider making the refund by check to save yourself the transaction fees. The refunded amount and the transaction charges will be withdrawn from your bank account. In the event that there are "non-sufficient funds" in your bank account to cover the refund, you will be assessed a "non-sufficient funds" charge of $10.00, and the amount will be debited from your bank account

Give or send your patient a receipt for the refund.

Disputed Charges and Charge Backs

When a professional (or any merchant) accepts credit cards, the funds are deposited directly into the therapist's account usually before the cardholder receives the credit card billing statement. If the cardholder disputes the charges, essentially claiming the charges were fraudulent, the charges will be "charged back" to the cardholder's card, and the funds will be withdrawn from the therapist's account to cover the chargeback. We are penalized for every chargeback, and you will be responsible for the chargeback penalty.  We recommend that you put a sentence or two in your informed consent document such as: "If you use your credit or debit card, an abbreviated form of will appear on your statement. If you contest the charge and a chargeback occurs, you will be responsible for the chargeback penalty and any other costs incurred."

There are several reasons why a legitimate charge could honestly be questioned by your clients. The charge will be itemized on their credit card statement and listed only as an abbreviated form of along with the dollar amount. Our telephone number is also usually on the statement. Your client may not remember that this is for your services. This could easily occur if you submitted a charge for a consultation in the hospital; the patient may not even remember the consultation. Another reason could be that the client forgot the amount he/she authorized and it does not seem correct to him/her, or you may have simply made a typographical error when you submitted the charge. These types of disputed charges should be easy to resolve. In most cases when the client is reminded, he/she will acknowledge the validity of the charge. 

The critical factor in being able to resolve these disputes is a timely response to requests for information. When your client questions a charge, the processing bank will contact and request validating documentation. We will immediately inform you about the questioned charge, and will need a copy of the signed authorization to send to the bank to prevent the charge from being charged back. This should resolve most of the questioned charges. If your service contract or informed consent is clear about your policy on refunds or guarantees, and was signed by the client, and the signed authorization is in order, then this type of dispute should also be easily resolved. 

If any of your charges are ever questioned, we will need your timely involvement to be able to resolve it. If you do not respond, the a charge back will most likely occur. 

Security Issues

Protecting Yourself 
There are many legal protections for the consumers of your professional services, and little for you! You can be sufficiently protected against legal and civil liability if you are ethical, competent, follow the standards of practice of your profession, and have reasonable malpractice and office liability insurance. Have the right attorney review all of your forms and business practices, especially your Informed Consent or Professional Services Contract. 

Protecting against charge backs
The charge back process is expensive for the Card Associations processing the transaction, and the merchant is charged a penalty for each charge back. Excessive charge backs can result in the loss of the ability to accept credit cards, and very large fines. You are responsible for the costs of any charge backs you may have. In addition to returning the funds, one charge back will cost you $30.00. Several charge backs might result in an additional penalty. This is out of our control.

Make an extra effort to avoid charge backs. Always obtain the proper authorization before submitting charges. Be careful and accurate when you are entering the data in the submit charges form. Make sure the information on the signed authorization is clear and legible. Store the original authorizations in a manner permitting retrieval of legible copies within one business day of receiving a request from The receipt that you give or send to your client will be a reminder, and will prevent some from questioning the charge. Review your informed consent and make it clear that you do not guarantee results, satisfaction or offer a money back guarantee. 

Protecting Clients' Card Information
Clients' card information must be kept secure and confidential, as is all patient information. The legal and ethical requirements of protecting the confidentiality of information received in professional practice are well known. Don't overlook your professional responsibility of also making reasonable efforts to protect the information you have about clients on your hard disk in your computer. Ensure that client data is stored in a protected directory with access requiring the proper identification. Don't use passwords that would be easy for someone to guess or figure out, or write them down where someone could easily find them. Make sure your shields are up, and keep your virus protection, firewalls and other protections current. Whenever your computer is connected to the Internet, it is vulnerable to being scanned. 

Prohibited Acts

  1. If it is a face-to-face transaction, do not submit a charge without physically inspecting the actual  card. The person's word, or a copy of the card cannot be used as a substitute for the actual card.
  2. Do not submit a charge unless you have obtained a signed authorization from the cardholder or authorized user of the card for the charge you submit.
  3. Do not submit a charge if the embossed name on the card does not match the signature on the back, if you suspect the card is stolen or is a fraud.
  4. Do not submit a charge that is outside the time period or dollar amount on the signed authorization.
  5. Do not submit a charge for another therapist, unless that therapist is your officially registered or licensed psychological assistant, intern, employee, and you personally take responsibility for covering the costs of any refunds and charge backs.
  6. Do not submit a charge for the client for the purpose of giving cash back to the client.
  7. Do not submit a duplicate charge of a previously submitted charge that has been approved.
  8. Do not submit a charge in order to get reimbursed for the costs of an unfair charge back.
  9. Do not submit a credit refund for more than the originally submitted charge.
  10. Do not accept a card that appears to have been tampered with or altered.

Letting Your Client's Know You Accept ATM, Check, Debit and Credit Cards

Make it easy for your new and existing clients to know and remember that you accept VISA and MasterCard by using an appropriate sign or logo in your waiting room, on your brochures and other printed material, or on your Website. You can easily find the appropriate sign or logo by doing an Internet search using the term "credit card logos."

Changes - Individual Members

Whenever there is a change in any of the information you gave us when you registered and became a member, log on to and update your membership information. This is easily accomplished by clicking on the Edit Membership Information link in the Members Only area and entering the new information.

Associations - How to Make Changes and Add a New User

Click on the Edit Association Information link in the Protected Area. Make the appropriate changes to the Identifying and Contact Information, and the Bank Account Information, and click on the Update Information button at the bottom of the page. To change your User Name, Password or Email Address, click on the link, make the changes in the form and click on the Record Changes button.
Add another authorized user by clicking on the link, completing the form and clicking on the Add New User button.

Bank Account Changes are more complicated. We also need a voided copy of a check from your new account, and a new authorization for AFT. Print out the Authorization for Electronic Funds Transfer and Acceptance of Member Obligations form, fill in the new information, sign it, and send it to us, by FAX or US Mail. You will still be able to accept credit card payments from your clients and submit charges, but we will not be able to deposit the funds into your new account until we have received the signed authorization form. We will promptly notify you by email when the changes have been implemented. 

Membership Renewal and Termination

Your membership will be renewed automatically every 12 months unless your membership has been terminated.  If you desire to cancel your membership it is your responsibility to do so before the renewal date, or the annual fee will be withdrawn from your bank account by electronic funds transfer. We do not give refunds for membership renewals.

Your account renewal date is listed on your main account page (where you submit charges and see your activity) and a convenient link is provided to cancel membership.

To avoid a NSF bank fee please insure you have sufficient funds in your account to cover your annual membership fee.  If you do cancel your membership it is contractually necessary for you to maintain sufficient funds in your bank account to cover all possible charge backs or refunds until all of your client's charge back rights have expired and all accounts are completely settled. 


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