My T only takes cash or check. She has no way of taking credit/debit card payments. She only works 2 days a week, so I guess she doesn't have enough clients to make it worthwhile to have a card reader thing.

I paid my copay in cash the first time and T made the comment that she hoped she didn't accidently spend it before putting it into her business account. So I have paid by check ever since (2 years now). My appointments are usually on Tuesdays and the check with post to my account on Thursday or Friday, so I guess it's a couple days for her. I assume that she probably deposits all of them on Wednesday or so after the 2 days she works are over.