Yes, since I only meet with clients virtually, I do not accept payment via cash or check. Within my electronic health record system, SimplePractice, I use an established payment processor called Square that accepts credit cards, debit cards, prepaid cards, HSA cards, and FSA cards.
Yes, all clients are required to keep a current payment card on file so that I can charge your payment method at the start of your session. After I accept you as a client, I will send you the link to fill out a credit card authorization form through your secure SimplePractice client portal. Both SimplePractice and Square are HIPAA-compliant and Square practices payment industry security standards of encryption. If you wish to pay for your session with a different card than the one you have on file, please notify me prior to your session.
If you choose to have a HSA or FSA card as your default method of payment, and it is declined at any time for insufficient funds, you will be required to keep a back-up card on file going forward (even if more funds are added to your account).