Pricing Rules
Last Updated: 2026-04-06 Status: CanonicalPurpose: Defines the canonical source of truth for all Thrizer pricing behavior. Use this file when a query requires deterministic fee or payout outcomes, including:
- what fee applies for a given payment_type
- how a fee is calculated (amount, percentage, base)
- when a fee is charged or deducted
- whether a fee is refunded based on claim_outcome
- how reimbursement routing affects fees
- what the therapist is paid and when
- “What will be charged?”
- “When is it charged?”
- “Is the fee kept or refunded?”
- “Who receives the reimbursement?”
- “How much does the therapist receive?”
- defining insurance terms or concepts
- predicting or explaining reimbursement amounts
- determining claim outcomes or insurer behavior
- deciding eligibility for payment types
Core Definitions
Session Fee
The therapist’s full session fee. All percentage-based fees are calculated using session_fee.Client Pricing Rules
OON Pay
Fee Amount
- 1% of session_fee
Fee Base
- session_fee
- fee is not calculated using reimbursement_amount
Fee Trigger
- reimbursement_amount > 0
Fee Timing
- deducted when reimbursement is distributed to client
Fee Suppression
- if reimbursement_amount = 0 → no fee charged
Reimbursement Routing
- reimbursement is sent to client from Thrizer
Thrizer Pay
Fee Amount
- 5% of session_fee
Fee Base
- session_fee
- fee is not calculated using reimbursement_amount
Fee Timing
- charged at time of session
Reimbursement Routing
- reimbursement is routed to Thrizer
Fee Refund Conditions
- if claim_outcome = denied → fee is refunded
- if claim_outcome ∈ → fee is retained
Therapist Payment Protection
- therapist payout = session_fee
- therapist payout is not reduced by claim outcomes
- if client’s card has an issue, therapist will be notified upon making the charge; therapist is responsible for resolving with client
Advance Payment Rule
- Thrizer pays the therapist before claim outcome is known
Superbill Upload
Fee Amount
- $2 per session
Fee Timing
- charged at time of submission
Success Conditions
- if claim_outcome = approved → success
- if claim_outcome = applied_to_deductible → success
Refund Conditions
- if claim_outcome = denied → fee is refunded
Reimbursement Routing
- reimbursement is sent to client
Clinician Pricing Rules
Payment Platform Fee
Fee Amount
- 3% of session_fee, as card processing fee
Fee Trigger
- applied when clinician processes a payment through Thrizer
Fee Independence
- applies regardless of payment_type
Referral Program (Clinician)
Eligibility
- A clinician must sign up using a valid referral code
- Referral benefit is applied at signup only
- A clinician may only receive one referral benefit
Referrer Benefit
- The referring clinician receives a waiver of the 3% processing fee
- The waiver applies to up to $2,500 in processed transaction volume per referred clinician
- Maximum fee waived per referral = 3% of $2,500
- The benefit is activated only after the referred clinician submits their first charge
Referred Benefit
- The 3% card processing fee is waived for the referred clinician
- The waiver applies to up to $2,500 in processed transaction volume
- Maximum fee waived = 3% of $2,500
Scope
- Applies only to payment transactions processed through Thrizer
- Does not apply to superbill submissions
Limitations
- Fee waiver applies only to the 3% clinician processing fee
- All other fees (e.g., client fees) remain unchanged
- Waiver is based on transaction volume, not total fee amount
- Referral benefit cannot be applied retroactively or multiple times
Referrals (Outbound)
- A clinician may refer an unlimited number of other clinicians
- Each referred clinician may receive their own referral benefit upon signup
Interaction with Pricing Rules
- This section overrides the standard 3% processing fee defined above, for eligible transactions up to the $2,500 volume cap
- After the cap is reached, standard pricing resumes
Fee Interaction Rules
- client fees and clinician fees are independent
- multiple fees may apply simultaneously
Therapist Payment Rule
- therapist payout = session_fee
- applies across all payment types
- insurance outcomes do not reduce therapist payout
No Subscription Rule
- no contracts
- no monthly fees
- no minimum usage requirements
System Constraints
- fee calculations always use session_fee as base
- reimbursement_amount is never used as fee base
Referral Program (Clinician)
Limitation — Waiver Application Boundary
- The referral fee waiver is applied on a per-charge basis.
-
If a single charge exceeds the remaining waived transaction volume balance:
- the waiver is not applied to that charge
- the full 3% clinician processing fee is charged
- The system does not partially apply the waiver to a portion of a charge.
-
To use remaining waived balance:
- charges must be equal to or less than the remaining waived transaction volume