Ivy Pay review

Ivy Pay is a card-on-file payment service for licensed therapists and mental health professionals in the United States. Clients add a payment method through a secure text link; providers can then charge the saved card without a card reader or handling card numbers. It accepts major credit and debit cards, plus HSA and FSA cards, according to the published product information.

The service is designed for HIPAA compliance and provides a Business Associate Agreement, according to the product information. After a charge, Ivy Pay sends the client a text receipt and payment confirmation. Deposits are initiated automatically; Ivy Pay says funds typically arrive as soon as the next business day.

Pricing is simple on paper: the pricing information lists no monthly subscription, setup fee, or long-term contract, and a 2.75% fee per charge. That makes it a narrow billing tool, not a full practice-management or bookkeeping platform.

Ivy Pay keeps the payment workflow focused. A therapist can invite a client by phone number, have them enter card details through a secure text link, and charge the stored card later. There is no card reader to buy or card number to handle directly, based on the product description. Automatic text receipts also mean clients get confirmation after each charge.

The flat pricing is easy to compare with a monthly subscription: the listed Standard Pay-As-You-Go plan costs $0 per month and charges 2.75% per transaction. Credit, debit, HSA, and FSA cards are listed as accepted. There is no advertised setup fee or long-term contract, so a solo practitioner can avoid a recurring software bill when payment volume is low.

For therapists who need a payment service designed around healthcare privacy requirements, Ivy Pay says it is designed for HIPAA compliance and includes a signed Business Associate Agreement. One Reddit commenter said they had used it for three years without issue, though that is an individual report, not a reliability guarantee. The service could suit clinicians who want straightforward card billing without a broader software stack.

The 2.75% fee applies to each charge, so there is no monthly bill but payment costs rise with transaction volume. The pricing information does not publish seat or usage limits, and it does not list add-ons. Integrations, support options, and any tiered pricing are also not published on the vendor's site, so compare those directly before switching from a system that includes them.

Deposit timing deserves a check. Ivy Pay says deposits typically arrive as soon as the next business day, but commenters in one Reddit thread report that payments usually took three to five days to reach their bank, depending on weekends or holidays. That is anecdotal, but it is a meaningful difference if cash flow matters.

There is also a tax-ID detail to verify before sending invoices or good-faith paperwork. In two Reddit threads, users reported that their SSN appeared on client-facing paperwork after they entered it as their tax ID. Commenters said an EIN can be used instead; another user said they entered theirs without dashes. These are user reports, not confirmation of Ivy Pay’s current process. Check what clients will see and how the tax ID field works before billing.

Ivy Pay lists one plan: Standard Pay-As-You-Go, at $0 per month and 2.75% per charge. There’s no tier jump in the published pricing, and no add-ons are listed. The advertised rate applies to credit, debit, HSA and FSA cards; the source does not publish a separate rate by card type.

That means no monthly subscription, setup fee or long-term contract, according to the published product information. The trade-off is a transaction fee on every charge, so costs rise with payment volume. Ivy Pay does not publish seat or usage limits in the published pricing details, and annual billing is not published. Pricing was checked on November 7, 2026, with medium confidence.

Before switching, confirm the current rate and any terms that affect your practice directly with Ivy Pay. The published information does not specify refund handling, chargeback fees, or other possible payment costs, so don’t treat 2.75% as a complete schedule of every fee.

Ivy Pay’s setup is text-based: providers invite clients by phone number, and clients enter payment details through a secure link. If you’re moving from another payment service, don’t assume stored card details can be imported; the published information does not describe card migration or data export. You may need clients to add their payment details again, but Ivy Pay does not publish a migration process.

There’s no long-term contract or setup fee listed, which suggests less contractual commitment than a service with a fixed term. Still, cancellation rules, export options and what happens to client records after leaving are not specified here. Check those points before moving.

The published published material contains no Reddit posts or comments, so we can’t responsibly say what tends to make users leave. For the same reason, there’s no sourced account here of migration problems or common exit reasons. Ask Ivy Pay about exports and offboarding before relying on it as your sole payment record.