What it is:
You provide a credit, debit, or eligible HSA/FSA card. With your permission, the card can be securely stored and charged before sessions or on a pre-arranged schedule.

Why families like it:

• Very convenient and easy to put on autopay.

• Can be kept on file so you don’t have to remember payments each week.

• HSA/FSA cards may allow you to use pre-tax funds for eligible services.

• Receipts are easy to download for your records or for insurance reimbursement.

Things to consider:

• Card must be current and have available funds.

• If a card is declined, payment must be resolved before services can continue.

• Card payments include a processing fee (currently 2.9% + $0.60 per successful payment, which is about 3% of most charges).

• Processing fees are set by Stripe/CarePatron and may change over time.

What it is:
You share your bank routing and account number through a secure form. Play to Say Therapy can then automatically withdraw payments (similar to a direct debit) for scheduled services or prepaid bundles.

Why families like it:

• Draws payments directly from your checking account with the option for automatic scheduling.

• Ideal for families who prefer not to use a credit card.

• Works well for regular weekly therapy or prepaid bundles.

Things to consider:

• Payments can take a few business days to fully clear.

• If a payment is returned (NSF), your bank may charge a fee and services may pause until resolved.

• Requires you to notify us if your bank account information changes.

• ACH payments still include a processing fee (currently 1.9% + $0.60 per successful payment) and can take a few days to fully clear.

• Processing fees are set by Stripe/CarePatron and may change over time.

What it is:
You log into your own bank’s online bill-pay system and schedule a payment to Play to Say Therapy. Your bank may send an electronic transfer or mail a check on your behalf.

Why families like it:

• You control the timing and amount directly from your bank.

• Often no added fee from Play to Say Therapy when using this method.

• You don’t have to keep a card or bank information on file if you prefer not to.

• Many banks let you set up recurring monthly payments.

Things to consider:

• You must schedule payments early enough so they arrive before services are provided.

• Please include your child’s name in the memo so we can match the payment correctly.

• Mailed checks from bank bill-pay still require mailing and processing time.

What it is:
You send payment through your bank’s app or Zelle app directly to Play to Say Therapy’s business account (details provided at intake).

Why families like it:

• Very fast and convenient—often shows up within minutes.

• Easy to send from a phone, tablet, or computer.

• Play to Say Therapy does not add extra processing fees for Zelle payments.

Things to consider:

• Transfers can be hard to reverse and may be limited by your bank’s daily or monthly caps.

• You must enter the recipient information carefully; misdirected payments are difficult to recover.

• Payments still need to be sent in time to be received before services.

What it is:
You write a check payable to Play to Say Therapy and provide it ahead of services, either for individual sessions or for a prepaid bundle.

Why families like it:

• No additional processing fee from Play to Say Therapy.

• Familiar option for many families.

• Can be used to prepay for several sessions at once.

Things to consider:

• Checks must arrive and clear before services are provided.

• Returned checks (e.g., insufficient funds) may result in a returned check fee.

• You need to mail or deliver checks with enough time for processing.

What it is:
You pay in cash at the clinic and receive a written receipt. Cash can be used for a single visit or to prepay several sessions.

Why families like it:

• Simple, immediate payment with no extra processing fee from Play to Say Therapy.

• Helpful if you prefer not to use electronic methods.

Things to consider:

• Cash must be handed in person and should not be mailed.

• Exact change is appreciated; large bills may not always be able to be broken.

• If cash is lost or not properly documented, it is difficult to trace or replace.