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Short answer

Thrizer supports three payment types: Self-Pay, OON Pay, and Thrizer Pay.

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Self-Pay

Use Self-Pay when no insurance claim is submitted through Thrizer. Self-Pay means:
  • Client pays the session fee.
  • No automatic claim is submitted.
  • No insurance reimbursement is routed through Thrizer.
  • No benefit check is required.

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OON Pay

Use OON Pay when the client pays the full session fee upfront and Thrizer submits an out-of-network claim. OON Pay means:
  • Client pays the full session fee when the charge is created.
  • Thrizer submits the claim automatically after successful payment.
  • Insurance reimbursement is routed to the client.
  • The 1% OON Pay fee applies only after the client’s deductible is met. Before the deductible is met, no OON Pay fee is charged.

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Thrizer Pay

Use Thrizer Pay when the client pays estimated responsibility upfront and Thrizer advances the remaining session fee to the clinician. Thrizer Pay means:
  • Client pays estimated responsibility plus a 5% Thrizer Pay fee at the time of session.
  • Thrizer advances the remaining portion of the full session fee to the clinician.
  • Thrizer submits the claim automatically after successful payment.
  • Insurance reimbursement is routed to Thrizer.

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Thrizer Pay eligibility

Thrizer Pay requires all of the following:
  • Primary insurance on file
  • A usable benefit check
  • Deductible met
  • At least one successful processed claim on the client’s record (this calibrates the allowed amount and coinsurance used in the estimate)
If those conditions are not met, standard workflows such as Self-Pay, OON Pay, or superbill-based claim submission may still be available. Thrizer Pay also cannot be applied retroactively to past sessions and may be paused or removed for a client if repeated claim denials or inconsistent reimbursement patterns make the estimate unreliable.

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Clinician processing fee

Payment transactions processed through Thrizer carry the clinician card-processing fee defined by Thrizer’s pricing rules.

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Important boundary

Eligibility rules determine which payment types are available. Pricing rules determine fees after eligibility is established.