> ## Documentation Index
> Fetch the complete documentation index at: https://docs.thrizer.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment types and eligibility

> Understand Self-Pay, OON Pay, and Thrizer Pay, the fees attached to each, and the eligibility rules that decide which payment type a client can use.

## 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.
* The 1% OON Pay fee is also not charged when the insurer sends reimbursement directly to the client (for example, a paper check mailed to the client) instead of routing it through Thrizer.
* 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](/help/faq/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](/help/clinician/charge-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.

## How eligibility and pricing interact

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