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Frequently Asked Questions


Requirements for email sent to ProfessionalCharges

A.  To insure that your email is not filtered out, please include 
"ProfessionalCharges" in the subject line followed by your subject 
heading.  Example:  "ProfessionalCharges:  Question about a 
transaction".

B.  Always include your username in the body of the email.

C.  Never include your password or a credit card number.  Email is 
not secure.

Response to your email will be sent within 24 hours during the 
business week.

FAQ

1. Why do I have to give you authorization to make deposits and withdrawals to my bank account?

2. What type of bank account do I need?

3. How will I get paid for charges I submit through ProfessionalCharges.com?

4. Is the information I submit on my application secure?

5. Who will review the information on my application?

6. Is there a contract to sign?

7. How do I prevent a charge back?

8. How do I protect myself from the disturbed client who is mad at me and decides to stop the charges?

9. Can I accept credit card payment for services provided by my Psychological Assistant?

10. Is there a minimum use requirement? What if I don't submit any charges for several months?

11. Can I accept a credit card that was issued in another country?

12. How do I set my browser to manage cookies?

13. Isn't patient confidentiality violated by using your service?

14. Can I accept credit card payment for materials I produced or use to supplement  my services?

15. I am the Administrator of a Family and Community Counseling Agency. Services are provided by both licensed professionals, and interns and trainees working toward licensure. Can the Agency join and accept debit and credit card payments for the services provided by all our therapists?

16. I am having a problem with an error message that says, "This page cannot be displayed." What is going on?

17. How do I setup my Website to accept credit card payments?

18. My Client's MasterCard is a Medical Expense Plan. It is to be used for medical expenses only, when I attempt to make a charge, it was denied.


1. Why do I have to give you authorization to make deposits and withdrawals to my bank account, and authorization to make charges to my credit card?  This is a standard practice in the industry. The acquiring bank uses an automated system to electronically deposit payments  into the merchant's account, or to electronically withdraw collections. We use electronic funds transfer to deposit funds directly into your account to help minimize our overhead and provide an economically feasible means for you to be able to accept credit cards. You will usually receive payment for your charges before the card holder receives their credit card statement. A card holder has several months to dispute a charge, and if your client claims the charge is incorrect or fraudulent the funds have to be returned (charge back) unless we can prove otherwise. We need to be able to withdraw money from your account, or charge your credit card if necessary, to cover such a claim. The annual membership fee will also be automatically withdrawn from your account when it is due.

2. What type of bank account do I need? You will need a checking account.  Your bank must allow this account to be credited and debited via ACH methods. Your present business checking account or  personal checking account will likely be sufficient.

3. How will I get paid for charges I submit through ProfessionalCharges.com? The money will be deposited directly into your checking account by Electronic Funds Transfer within 10 business days after you submit your transactions. to top

4. Is the information I submit on my application secure? Yes, your application information is encrypted and secured. to top

5. Who will review the information on my application? A trusted administrative assistant will review the application for completeness. Either Dr. Nadig or Dr. Nies will review the completed application for final approval and activation of the new account. The information you provide will be kept secure and confidential. to top

6. Is there a contract to sign? Yes, you will be asked to sign a form confirming you have read, understand, and will abide by the Member Agreement, the User’s Guide, and the Schedule of Fees. You also need to sign an authorization for ACH transactions that enable us to electronically transfer funds directly into your account, and to personally guarantee the account. to top

7. How do I prevent a charge back? You can reduce the chances of getting a chargeback by always getting a properly completed Credit Card Payment Consent Form authorizing the charge, and by being explicit with your clients that your charge will be listed on their monthly credit card statement as ProfessionalCharges.com or some abbreviation of it. If a cardholder questions a charge the credit card issuing bank will contact us and ask for verification.  If we provide them with a copy of the signed authorization within 72 hours, the matter should be resolved and no chargeback will occur. If the cardholder claims the charge is fraudulent the credit card company will chargeback the funds, and then notify us of the chargeback. 

The "Informed Consent" document that you have your patients sign at the beginning of treatment may also be important. If the patient incorrectly claims that you guarantee your services and will give a refund if he/she is not satisfied, a copy of the signed informed consent would also be needed. to top

There are many laws protecting consumers. Protect yourself with proper documentation and competent, ethical practice.

8. How do I protect myself from the disturbed client who is mad at me and decides to stop the charges? See No. 7 above. 

9. Can I accept credit card payment for services provided by my Psychological Assistant? If technically/legally it is your client, and if you supervise and are legally responsible for the actions of your psychological assistant, you can accept credit card payments for services rendered by your psychological assistant.to top

10. Is there a minimum use requirement? What if I don't submit any charges for several months? There is no minimum use requirement. It only costs $98.00 to have the option of being able to accept your client's credit card. If you don't use our service there are no additional fees. This is one of the benefits of becoming a member. to top

11.Can I accept a credit card that was issued in another country? Sorry, no. We use address verification (AVS) as an extra security measure. Unfortunately, the AVS has no way of verifying the validity of addresses outside of the USA, and a submitted charge would be denied. to top

12. How do I set my browser to manage cookies? You can set your browser preferences to either accept all cookies or alert you each time a cookie is offered.

Enable cookies for Internet Explorer 7
1. Click "Start" and select "Control Panel".
(Note: With Windows XP Classic View click the Windows "Start" button and select "Settings" and "Control Panel").
2. Open the Internet Options icon.
3. Choose the "Privacy" tab.
4. Click the "Advanced" button.
5. Check the "Override automatic cookie handling" box under the Cookies section in the Advanced Privacy Settings window.
6. Under First-party Cookies, select the "Accept" or "Prompt" option.
7. Under Third-party Cookies, select "Accept" or "Prompt" option.
(Note: If you select the "Prompt" option you will be prompted every time a website attempts to send you a cookie, click "OK".)
8. In the Internet Options window click "OK" to exit.

Enable cookies for Internet Explorer 6
1. Click "Start" and select "Control Panel".
(Note: Windows XP Classic View click the Windows "Start" button and select "Settings" and "Control Panel").
2. Select the "Privacy" tab.
3. Click the "Advanced" button.
4. Place a check in the "Override Automatic Cookie Handling check box".
5. Under First Party Cookies, select the "Accept" or "Prompt" option.
6. Under Third Party Cookies, select the "Accept" or "Prompt" option.
(Note: If you select the "Prompt" option you will be prompted every time a Web site attempts to send you a cookie, click "OK".)
7. In the Internet Options window click "OK" to exit.

Enable cookies for Mozilla Firefox 2.x
1. In Mozilla Firefox select "Tools" from the File menu.
2. Select "Options".
3. Click the "Privacy" icon in the top panel.
4. Check the box corresponding to "Accept cookies from sites".
5. Click "OK" to save and close.

Enable cookies for Mozilla Firefox 1.x
1. In Mozilla Firefox select "Tools" from the File menu.
2. Select "Options"
3. Click the "Privacy" icon in the top panel.
4. Click the "Cookies" tab.
5. Check the "Allow sites to set cookies" checkbox.
6. Click "OK" to save and close.

Enable cookies for Mozilla Firefox (Mac)
1. Go to the "Firefox" drop down menu.
2. Select "Preferences".
3. Select the "Privacy" icon.
4. Under "Cookies" mark the checkbox for "Allow sites to set Cookies".

Enable cookies for Safari
1. Go to the "Safari" drop down menu.
2. Select "Preferences".
3. Select the "Security" icon from the top panel.
4. Under "Accept Cookies" section select "Only from sites you navigate to".

 

13. Isn't patient confidentiality violated by using your service? No, use of our service is essentially the same process you would use if you had your own merchant account with a card terminal in your office. The charges get into the credit card processing system from our terminal instead of yours, and ProfessionalCharges will show on the person's credit card statement instead of your name. Nothing about counseling or psychotherapy will be on the person's credit card statement. On our end, the processing is automatic. You must also get the person's signed authorization before you submit any credit card charges.

14. Can I accept credit card payment for materials I produced or use to supplement  my services? Yes, we added this option after receiving several requests for it.

15. I am the Administrator of a Family and Community Counseling Agency. Services are provided by both licensed professionals, and interns and trainees working toward licensure. Can the Agency join and accept debit and credit card payments for the services provided by all our therapists?
Yes, your agency can join as a professional association and the services provided by all your therapists will be covered under the agency's membership. Your agency could also accept debit or credit card payments for any continuing education seminars it may provide.

16.I am having a problem with an error message that says, "This page cannot be displayed." What is going on? If you are getting the error message immediately when you request a page, something in your computer is likely the cause of the problem. Below I have listed some things you can do that might solve the problem. If the error message occurs after several seconds and your browser times out, the cause of the problem is likely on the Internet.

If the problem is on the Internet there is not much you can do. Try logging off the Internet and then logging on again using a different access number, or wait awhile and try getting the page later.

Unless you lost your connection or a server is down, you should be able to get the page by clicking on the refresh button, or by clicking on the back button and trying the page link again. This may happen if the Security settings in your browser are not set right for SSL. Follow the instructions on the error message or the help documentation in your computer to check your Security settings.

Third party cookie managers, pop-up ad stoppers, ISP connection optimizers, download managers, and other memory resident programs and browser plug-ins can cause the problem. Try turning them off and adjusting your computer's configuration so the miscellaneous programs only load into memory when you need them. If you are using any of the programs that are designed to work with your browser and the Internet, make sure you have the most current, up-to-date versions. Visit the support area of the maker's Website and look for the fixes or work-a-rounds for know issues.

Cookies that track your movement on the Internet, and other "spyware" can cause this problem. Lavasoft distributes a free multi spyware removal utility called Ad-aware that scans your memory, registry and hard drives for known spyware components and lets you remove them safely. Another free spyware removal  utility is Spybot Search & Destroy, use them both.

If you continue to get the error message, here are some other things you can do that will likely clear it up.

  1. Microsoft frequently comes out with updates and new fixes. Make sure you have the latest fix by running the Windows Update feature.
  2. Clear your cache and the temporary Internet files. You can do that by clicking on the Tools menu and selecting Internet Options. In the middle section of the window that pops up, click on Delete Files. Check the box for Delete all offline content, and click on OK.
  3. If you still get the error message, select Internet Options again and in the lower section, click on Clear History and select yes from the small window that pops up. Then in the middle section of the Internet Options window click on Setting, and move the slider a notch or two to the right to increase the amount of  disk space to use.
  4. If you still get the error message, delete the cookies stored on your system by selecting Delete Cookies in the Internet Options window.
  5. If you still get the error message, select Internet Options again, then the Advanced tab and unselect “Show friendly HTTP error messages.” Also unselect “Do not save encrypted pages to disk” in the Security section.
  6. If you are using Windows 98, run the repair tool for IE. From the Programs menu select Accessories, then System Tools, and then System Information.  From the Tools menu select Internet Explorer's Repair Tool and follow through with the repair. 
    If you are using Windows XP use the Internet Explorer Troubleshooter. You can find it by selecting Help and Support from the Start menu, clicking on Index on the Tool Bar, typing in Internet Explorer in the search window, and double clicking on troubleshooter. You can also repair Internet Explorer by going to the Control Panel, selecting the Add or Remove Programs, clicking on the Add/Remove Windows Components, removing Internet Explorer, and then adding Internet Explorer.
  7. Here is another fix for advanced computer users. Don't use this fix unless you know what you are doing. If you still get the error message, look for copies of Wisock.dll, Winsock32.dll, Wsock.vxd and Wsock32.vxd that are not located in the Windows\System folder, and rename them with .tmp as the new file extension. If this fixes the problem but one of your Internet programs no longer works properly, check the Website of the malfunctioning program for an update or assistance.
  8. If you are an advanced computer user, Microsoft has several other fixes in their knowledge base. Search on ”Troubleshooting Browsing Error Messages in Microsoft Internet Explorer.”

17. How do I setup my Website to accept credit card payments? Create a page for online payments, which will be an instruction page for your clients. We suggest wording similar to the following:

We use the secure payment processing services of ProfessionalCharges.com to handle our online Debit and Credit Card payments.

To Make an Online Payment:

  • Click on the Make a Payment link below, and the payment form will open in a new window.

  • Enter your name as it appears on your card.

  • Insert my License Number xxxxxxxx in the space for the Provider's License Number.

  • Complete the form and click on the Submit Payment button at the bottom.

  • Print yourself a copy of the receipt that will appear on screen.

Make a Payment

The Make a Payment Link should be linked to our online payment page, which is https://www.professionalcharges.com/account/clcharge.php3 
Have our online payment page open in a new window, so that your client will remain on your website.

You will receive an e-mail notice every time an online payment is made, and it will be posted on your Recent Account Activity ledger.

For a working example visit www.conextra.com  

18. My Client's MasterCard is a Medical Expense Plan. It is to be used for medical expenses only, when I attempt to make a charge, it was denied. Medical Savings/Flex plans should go through without a problem. Our usual procedure for submitting credit card charges should also work for these debit cards. If you get a denial, check to make sure you have the most recent CVV number. If all your input is correct, have your client call the company and inquire about the problem.

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© Copyright 2000 by
Larry Nadig, Ph.D.
Douglas Nies, Ph.D.

All rights reserved
Contact Information
Professional Charges

1530 E. Chevy Chase Dr., Suite 209
Glendale, California 91206


Phone:  (818) 206-2126