Payment & Financing

Flexible Ways to Invest in Your Care

Pay the way that works for you. For larger investments like EMDR intensives and packages, you can also spread the cost over time.

Simple & Secure

Pay your way, at your pace.

Ways to Pay & Finance Your Trauma Care

SOMA is a private-pay practice, and we work hard to make payment simple. You can pay by card, use HSA or FSA funds, or choose a pay-over-time plan. For larger investments such as EMDR intensives and multi-session packages, financing lets you begin the work now and spread the cost across smaller monthly amounts.

All payments are handled through our secure checkout. How you choose to pay never changes your care. Your treatment is guided by your needs and your goals, not by your payment method.

Accepted Methods

Cards, HSA/FSA & Cash App Pay

Pay securely with any major credit or debit card. We also accept HSA and FSA cards for eligible therapy services, along with Cash App Pay.

Visa Mastercard American Express Discover JCB Diners Club UnionPay HSA / FSA Cash App Pay

HSA and FSA funds can be used toward eligible therapy services. Check your plan for details on covered mental health care.

Pay Over Time

Financing for Intensives & Packages

Larger investments, like EMDR intensives and multi-session packages, are a meaningful step. For these, you can spread the cost over time so you can start the work without paying it all at once. We offer three ways to do this. Approval, rates, and payment schedules are set by the financing provider, not by SOMA.

Affirm

Buy now, pay later

Split your payment into scheduled amounts over time. At checkout you are briefly redirected to Affirm to confirm your plan, then returned to finish. Rates and terms are set by Affirm.

Klarna

Buy now, pay later

Choose Klarna at checkout to break your payment into smaller amounts. Approval and schedule are handled directly by Klarna.

CareCredit

Health financing

A health and wellness credit card many people use to pay for care over time. Apply directly with CareCredit, and if approved, use it toward eligible services and pay it back in monthly installments.

Affirm, Klarna, and CareCredit are independent providers. SOMA does not set or control their approval decisions, interest rates, or repayment terms. Please review each provider's terms before you commit.

Next Step

Questions About Payment or Financing?

Reach out and we will walk you through current rates, accepted payment methods, and pay-over-time options for intensives and packages, so you can choose what fits your budget.

Request a Consultation

Looking for rates and out-of-network details? Visit our Pricing & Insurance page. Uninsured and self-pay clients can also request a Good Faith Estimate.

FAQ

Frequently Asked Questions About Payment & Financing

What payment methods does SOMA accept?

SOMA accepts all major credit and debit cards, including Visa, Mastercard, American Express, Discover, JCB, Diners Club, and UnionPay. We also accept HSA and FSA cards and Cash App Pay. Payments are handled through our secure checkout.

Can I pay for therapy over time?

Yes. For larger investments such as EMDR intensives and multi-session packages, you can spread the cost over time. We offer buy-now, pay-later options through Affirm and Klarna, and longer-term health financing through CareCredit. Approval and terms are set by the financing provider, not by SOMA.

What is CareCredit and how does it work?

CareCredit is a health and wellness credit card that many people use to pay for care over time. You apply directly with CareCredit, and if approved, you can use it toward eligible services at SOMA and pay it back in monthly installments. Interest and terms depend on your CareCredit plan.

How do Affirm and Klarna work at checkout?

At checkout you can choose Affirm or Klarna to split your payment into smaller amounts over time. You are briefly redirected to the provider to confirm your plan, then returned to complete your purchase. Approval, rates, and schedules are decided by Affirm or Klarna.

Do financing options change my care?

No. How you choose to pay does not change your treatment. Your care is paced by your needs and your clinical goals, not by your payment method. Financing simply gives you more flexible ways to invest in the work.

Do you still provide superbills if I pay with financing?

Yes. SOMA is a private-pay, out-of-network practice, and we provide superbills on request no matter how you pay. You can submit a superbill to your insurance for possible out-of-network reimbursement. See our Pricing page for details.