Payabli Payment Solution

Payabli is a card processing and ACH payment solution designed for mental health practices.

Invitation to activate Payabli

For Beta testing accounts, once you receive the email invitation, go to your Billing Settings > Online Payments page and click on the Payabli box to start the onboarding process. Approval takes approximately 3-5 business days, and you can continue to use your current processor during that time.

Switching from Stripe to Payabli

If you currently have Stripe and are moving to Payabli, your Stripe account will remain enabled until you're approved and you manually activate Payabli in your account. Once you receive the notice of approval, go to your Billing Settings > Online Payments page and click on the Activate button in the Payabli tile to activate Payabli.

Payabli Onboarding

If you've received your Sessions Health email inviting you to onboard, start by going to Billing Settings > Online Payments and click the Payabli setup button.

On the subsequent pages, you'll need to complete the necessary information about you and your practice. After submission, accounts are typically enabled within 2 business days. In some circumstances, additional verifying information is requested.

The following fields on the form will need to be completed:

Business Details

• Business Legal Name: Include the name of your business that has been legally registered with the appropriate government agency.
• Business DBA Name: This is your "doing business as" name. If you're doing business as your legal name, list it here. If your business uses a different name than your business legal name, list it here. Note that this is also the business name that will appear on your client's credit card statement for your card transactions.
• Tax Filing Name: Please list the business name used to file taxes.
• Select Business Type: Enter your business type from the drop-down list.
• Website: List the URL of your marketing website for your business. If you do not have a marketing website, list a URL link to your Facebook page, Instagram page, or other media presence for your business.
• Business EIN: Enter your Tax ID number of Social Security number for Sole Proprietors
• Business Start Date: The date your business was registered as a business with the appropriate government agency.
• Phone Number: Direct phone number of the owner of the business
• Business Address: List the address, country, city, state, and zip code of your business

Ownership and Contacts

• Owner Information: Enter the information for the primary owner of the business. Please use your home address and not your business address. You will be asked to fill out information for each owner with 25% or more ownership of the business. Federal law does requires social security information to be collected.
• Contact Information: Payabli requires you to have at least one business contact. Most of the time, this is also the owner. You can copy the information from the ownership section to the contacts section.

Servicing and Fees

• Average Monthly Volume: List the average card transaction and ACH amount you expect to collect from your clients each month. If you're a new provider, estimate the average amount you expect within 12 months.
• Average Transaction Amount: List the average transaction amount you expect to charge your clients by card or ACH. For instance, if you bill after each session and each session averages $150, use $150. If you bill your clients monthly and typically have 4 sessions in each bill, list $600.
• High Transaction Amount: List the highest transaction amount on a single card or ACH charge that you expect. If you expect any clients to pre-pay for a bundle of services, you may want to consider in the amount you enter. Note: What you enter will be the maximum transaction amount you'll be able to run through Payabli.
• When is Payment Charged: Unless your clients primarily pre-pay for services, select When Service Provided.
• Select Service Generally Provided: 30 Days or Less, 31-60 Days, 60+ Days
• Product/Services Delivered In: 0-7 Days, 8-14 Days, 15-30 Days, Over 30 Days
• Refund Policy: Exchange Only, No Refund or Exchange, 30 Days or less, More than 30 days

Banking and Documents

• Deposit and Withdrawal Account: Enter the information of your deposit and withdrawal checking or savings accounts. A withdrawal account is required in the event refunds, fees, reversals, etc. exceed the amount of deposit. You can copy your Deposit account details to your Withdrawal account if they're the same.
• Uploading Documents: Please upload at least one document - Personal ID, Company ID, Voided Check, Bank Statement, Bank Letter

Frequently Asked Questions

What are the Payabli fees, and will the fees be different after the full release?

Payabli card fees are 2.7% + $0.25 per transaction. ACH direct debit fees are 1%, capped at $10, with a minimum of $1 fee per transaction. The fees during the Beta testing period and full release will be the same.

Does Payabli accept HSA and FSA cards?

Yes, both are accepted.

Does Payabli support Autopay?

Yes, once you collect a card on file, you can process cards in the future manually or through Autopay.

How long will it take to get deposits into my bank account?

For card transactions, deposits occur within 2 business days if the transaction is prior to 5pm EST. Transactions after 5pm EST may take an additional business day.

Can I choose between daily and weekly deposits?

Currently, Payabli only support daily payouts. A weekly deposit will be available in the future.

After signing up, how long does it take for my account to be activated with Payabli?

On average, the process takes about 3-4 business days before your account becomes active. It will take longer if more documents are needed from you to verify your information.

Is it possible to transition some clients from Stripe to Payabli, but not all?

When you transfer to Payabli, your entire account will transition to this new payment solution. This means any credit cards previously collected through Stripe will no longer work and you'll need to send a new Credit Card Authorization form to your clients in order to process payments through Payabli.

Will I lose my Stripe account if I transfer?

No, your Stripe account will not be lost and you can continue to login to your Stripe Dashboard to view past transactions and other reports. When you transfer to Payabli, we unlink your Stripe account to Sessions Health, but your Stripe account remains.

Can I still use Stripe as a backup while the new cards are being entered?

Once you've been approved and manually confirm your Payabli account, you will not be able to use Stripe. We suggest immediately sending new Credit Card Authorization forms to all clients that you'd like to collect a card or ACH on file.

Can I move back to Stripe if I need to?

Yes, you can contact our support team at support@sessionshealth.com for information on moving back to Stripe.

I have clients outside the United States. Can I use Payabli for their payments?

Payabli only support US transactions, so you'll need to use Stripe if you process cards outside US and Canada.

Is Payabli HIPAA-compliant?

Just like Stripe, Payabli is a financial institution and not bound by the HIPAA Privacy Rule (see HHS HIPAA Privacy Rule guidelines for details). However, it's important to emphasize that we've put measures in place to share only minimal and pertinent information with both Payabli and Stripe to process transactions and manage payments in Sessions Health.

Are there any integrations from Payabli to Quickbooks or other accounting software?

Payabli doesn't have an integration, however, you could consider linking your deposit bank account to your accounting software if it's supported.

Is the system secure, and how is my clients' financial data protected?

Payabli ensures that every payment you process is protected by advanced security and compliance features. Payabli adheres to the rigorous standards of PCI DSS 4.0. SOC 2 compliance underlines Payabli's commitment to strong operational controls and data privacy, ensuring that your customer information remains safe at all times. Payabli's tokenization system replaces sensitive card and bank account data with randomly-generated tokens. Their extra layer of security safeguards your business from fraud and interception.

Are there any monthly membership or other fees?

No, there is no monthly membership fee. In unique circumstances, the only fees you may encounter outside the standard card and ACH fees are:

• Chargeback fees: A chargeback occurs when a cardholder disputes a transaction on their credit card statement, claiming it was unauthorized, fraudulent, or unsatisfactory. The card issuer temporarily reverses the transaction and investigates the claim. Payabli charges $20 for each chargeback.
• PCI Non-Compliance: A PCI Non-Compliance Fee is a penalty charged by your payment processor or acquiring bank if your business does not meet the requirements of the Payment Card Industry Data Security Standard (PCI DSS). These standards are designed to ensure the secure handling of credit card information to protect against data breaches and fraud. Payabli charges $20 for PCI Non-Compliance per month. You'll want to make sure to complete the Self-Assessment Questionnaire (SAQ) when asked to complete to remain compliant.
• ACH Return Fee: These fees are penalties charged to merchants when an ACH (Automated Clearing House) transaction is returned by the receiving bank or financial institution. This occurs when an ACH payment cannot be completed due to specific issues, such as insufficient funds or incorrect account details. Payabli charges $25 for each ACH return.
• Retrieval Fee: If a card owner doesn't recognize the transaction, their bank may ask for proof of a specific transaction. Payabli imposes this fee to retrieve the transaction-related information or documentation to resolve the disputed charge. Payabli charges $20 for each retrieval.

How do I respond to a chargeback?

If you receive an email that a cardholder is disputing a transaction, you can respond by emailing sessionhealth@payabli.com or by calling the Chargeback Hotline at 213-282-7272 extension 2 for assistance.

How do I change the deposit account for my Payabli transactions?

For security reasons, changing bank account information isn’t a self-service process, and involves the Payabli team. To add or change a deposit or withdrawal account, the account owner must contact Payabli Support at sessionshealth@payabli.com. Payabli will send a form for to complete and request supporting documentation such as a voided check or bank letter with account and business details.