Flux gives mental health practices cards, ACH, and recurring billing through one integration, with hosted fields and SAQ-D Level 2 PCI coverage that keep sensitive data off your practice systems.
Why mental health practices choose Flux
PCI coverage without the burden
Card data is captured in origin-isolated iframes, so your practice is not running an audited card environment.
Recurring and plan billing
Charge memberships and payment plans automatically instead of re-running cards by hand.
Real-time settlement
Card payments settle in one to two business days so the practice is not waiting on cash flow.
How mental health practices get paid
Mental Health Practices typically take cards for copays and point-of-care payments, ACH for larger balances and plans, and can run recurring charges for memberships, all through Flux.
A typical Flux setup for mental health practices
Therapy billing is rhythmic: the same client, the same fee, week after week. Most practices store a card at intake and charge it after each session, so money never enters the room. Telehealth sessions run on the same stored credential. Clients who use out-of-network benefits pay in full and take a superbill to their insurer, so receipts need dates of service and amounts that match the superbill exactly.
Sliding-scale practices set a per-client amount and change it as circumstances change, since the charge is simply whatever you enter against the stored card. Group practices route each clinician's sessions into QuickBooks categories for clean splits. Cards settle in one to two business days. There are no monthly fees on qualifying card volume, minimums, or contracts, which fits a part-time private practice that sees ten clients a week alongside agency work.
What mental health practices should watch
The statement descriptor is a privacy decision. A descriptor that says counseling reveals something the client may not want visible on a shared card account, while a descriptor nobody recognizes invites a dispute from a spouse reviewing the statement. A neutral practice name, discussed with the client at intake, threads it: recognizable to the person who consented, unrevealing to anyone else. Put the descriptor in your intake paperwork so nobody is surprised.
Late-cancellation and no-show fees are where therapeutic relationships and payment policies collide. The fee must be in the signed intake agreement with the exact dollar amount and notice window, it is never billable to insurance, and it should be charged as its own transaction with a clear memo rather than folded into a session charge. Waive the first one; the policy exists to protect your calendar, not to generate revenue.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume mental health practices and the option to pass the fee to the customer at checkout where local surcharging rules allow. No setup fees and no contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.
Frequently asked questions
How do mental health practices accept payments with Flux?
Mental Health Practices accept credit and debit cards, ACH bank transfers, and stablecoins through one Flux integration, with drop-in hosted fields that keep card data off your own systems.
What does Flux charge mental health practices?
A flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume merchants and no setup fees or contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. You can also pass the processing fee to the customer at checkout where local surcharging rules allow.
How fast do mental health practices get their money?
Card payments settle in one to two business days and ACH in one to three business days. Stablecoin payments go to your wallet instantly.
What will show up on my clients' card statements?
The statement descriptor, which should be your practice name in a neutral form: recognizable to the client who consented, unrevealing to anyone else who sees the account. Discuss it at intake and put it in your paperwork so no one is surprised by the charge.
Can I charge different fees for different clients on a sliding scale?
Yes. The charge against each stored card is whatever amount you enter, so per-client fees and mid-treatment adjustments need no special setup. Keep the agreed fee in the client's intake or update agreement so the record matches the charges.
Am I allowed to charge the card on file for a missed session?
Yes, if your signed intake agreement states the fee amount and the notice window, since insurers never cover missed-session fees. Charge it as its own transaction with a clear memo rather than disguising it as a session, and consider waiving the first occurrence.
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