I don't know. How long does it take? 30 seconds to a minute? I pay at the beginning of my session and it doesn't take any longer than that. I like paying at the beginning because it's like a small ritual to start our session. I can come sit down and don't have to speak for a small window. It gives me the space to settle in to the couch, so to speak. It seems like a lot of people here pay at the end of session though.