Accepting online payments in psychology practice is no longer optional. A good combination of Stripe + Bizum + prepaid packs automates billing and reduces unpaid invoices.
Online payment methods
- Card (Stripe, Redsys, PayPal).
- Bizum: fast in Spain.
- SEPA transfer: manual.
- Digital wallets (Apple Pay, Google Pay).
- Prepaid packs.
Stripe step-by-step
Stripe fee in Spain: 1.4% + €0.25 per European card.
Professional Bizum
- Personal Bizum: free but limited.
- Bizum Empresas: 0.3-0.8% per bank.
Prepaid packs as advance payment
Benefits of advance billing with packs:
- Zero pending payments.
- Higher patient commitment.
- Much better cashflow.
- Reduces no-shows.
Real fees
A €60 session paid with Stripe leaves €58.91 (€1.09 fee). Over 100 sessions/month: €109 in fees.
Security and GDPR
- Gateways comply with PSD2 and SCA.
- You don't store card data.
- You need DPA with the gateway.
Integration with clinical software
- Generates Stripe payment links automatically.
- Marks the appointment as paid.
- Issues corresponding Verifactu invoice.
- Notifies pending payments.
Preguntas frecuentes
Questions about online payments in psychology practice.
Which gateway is best for psychology?
Stripe is most versatile. Bizum Empresas as a complement for in-person sessions.
Is it legal to charge by Bizum in psychology?
Yes, fully. Bizum Empresas is the recommended option for self-employed.
Charge Stripe before or after?
Most convenient is sending the link after closing the session.
Can I deduct fees from the patient?
Not recommended: fees are your professional cost.
What if a patient claims back from the bank?
Stripe notifies you and gives 7-21 days to provide evidence.