Skip to main content

​
Overview

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

​
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.
  • Individual NPI is not required on the rendering clinician.

​
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 goes 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.
  • A valid Individual NPI on the rendering clinician is required to charge. Without one, OON Pay is disabled and the form falls back to Self-Pay.

​
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 goes to Thrizer.

​
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 helps set the allowed amount and coinsurance used in the estimate)
  • A Date of Service that is today or tomorrow (UTC)
  • A valid Individual NPI on the rendering clinician
If those conditions are not met, other payment or claim options such as Self-Pay, OON Pay, or superbill-based claim submission may still be available. Thrizer Pay cannot be applied retroactively to past sessions. Thrizer may also pause or remove Thrizer Pay for a client if repeated claim denials or inconsistent reimbursement patterns make the estimate unreliable. For a client-friendly explanation of why Thrizer Pay may not appear as an option, share Why Thrizer Pay may not be available.

​
Date of Service restrictions

OON Pay and Thrizer Pay are limited to a Date of Service that is today or tomorrow (UTC). Sessions two or more calendar days in the future cannot be billed to insurance through Thrizer and must use Self-Pay. In Add Charge:
  • Selecting a date more than one day ahead disables OON Pay and Thrizer Pay in the payment type dropdown and switches the form to Self-Pay.
  • An OON Pay or Thrizer Pay charge with a missing date, or a date more than one day ahead, is not accepted.
Self-Pay accepts any future Date of Service and is the supported option for advance billing.

​
Account readiness to charge

Regardless of payment type, your account must be ready to bill before any charge can be submitted:
  • Business and banking setup must be complete and approved by Thrizer (merchant verification).
  • Your clinician account must not be pending verification or suspended.
  • The rendering clinician must have a first and last name on file.
These checks apply to all charge types, including Self-Pay. Individual NPI is only checked for OON Pay and Thrizer Pay. See Charging clients for the inline messages shown when a charge is blocked.

​
Charge amount limit

Charges submitted from the Clinician Portal are capped at a session rate of $2,500. Larger transactions require prior approval — contact Thrizer support so a Thrizer administrator can review and process the charge.

​
Clinician processing fee

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

​
Important boundary

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