It usually comes from one of two unrelated companies. If you have booked a therapist or psychiatric provider through Headway, it is most likely a session charge, a card hold, a cost correction, or a cancellation fee. If you have not, look for a subscription or free trial with the Headway book-summary app. Check your accounts first, then contact the company, then your card issuer.
The name alone will not settle it, because both say their charges can appear as Headway. The app’s FAQ says the two have no ownership or business ties, and that a third company, the business lender Headway Capital, is also unrelated.
Which Headway charged you?
| Headway therapy | Headway book-summary app | |
|---|---|---|
| When it charges | After a provider confirms a session | At purchase, each renewal, or when a trial ends |
| Amount | Varies with your plan and session | A subscription fee on a repeating schedule |
| Where to check | Your Headway account | Apple, Google, or your account on its website |
Search your email. The therapy service emails an invoice with each session charge, with the date of service in the subject line.
Check your subscriptions. On iPhone: Settings, your name, Subscriptions. On Android: Google Play, profile icon, Payments & subscriptions, Subscriptions. The app’s FAQ says a Headway charge means you have an active subscription.
App store subscriptions are billed by the store, so look for apple.com/bill or GOOGLE*. For website purchases, the FAQ says the charge appears under the app’s name, though its terms name LibroTech, Inc. as merchant of record. We found no page showing the exact statement wording.
If it is the therapy service
Headway says everything it charges shows as “Headway” on your statement. It is usually one of these.
A temporary hold. A pending line before a session that checks your card has funds. Headway says it is not a charge, and that most banks clear it within 3 days.
Headway’s own pages disagree about this hold. Here is each page on November 3, 2026, with its last update:
- Payment method (July 2026): $1, 72 hours before each session.
- Client fees (June 2026): $1, a few days before your session.
- Session costs (June 2026): $1, before your first session only.
- Unexpected charges (August 2024) and a provider page (June 2026): your estimated session cost, before your first session.
So a small pending line is probably the hold, and a larger one before your first session may be too.
A session charge. Headway charges only after your provider confirms the session. It asks providers to confirm within 48 hours, but its provider guide allows 30 days, so a charge can arrive weeks later, and several can land on one day.
A correction. Your insurer can take up to 45 business days to review a claim, Headway says, and can occasionally change what you owe. Headway refunds overcharges and emails you at least 3 days before charging a shortfall.
A cancellation fee. If the session never happened, this may be why. Your provider sets the fee, up to $200, and only your provider can waive it.
A doubled line. Banks sometimes show a pending authorization beside the final charge. Headway suggests asking your bank.
In New York and Connecticut you may not be charged automatically.
If it is the book-summary app
These details come from the app’s own terms and FAQ.
Subscriptions renew until you cancel, and a trial turns into a paid subscription unless you cancel first. A trial can be free or reduced-price, so a small charge is not always the therapy hold. Deleting the app does not cancel it. Two charges usually mean two active subscriptions, and cancelling a commitment plan early can leave you owing the rest of the period.
Cancel where you subscribed. Apple and Google handle refunds for their purchases, and website refunds are at the company’s discretion.
What to do next, in this order
1. Check your account. Log in to Headway, open Billing and Past Appointments, and match the date and amount to a session. For the app, check your subscriptions.
2. Contact the company. Headway says it does not offer live phone support. Log in and use its virtual assistant, or pick “I can’t access my account” on its contact form. Attach any Explanation of Benefits showing an overcharge, and Headway says it will investigate. For the app, email support@get-headway.com, or ask Apple or Google about store purchases.
3. Then go to your card issuer, if neither company can explain the charge. Headway says a line with any other description did not come through its payment processor. For credit cards, the FTC says a written dispute must reach the issuer within 60 days after the first bill with the error was sent. Headway’s payment terms say it may adjust charges to reflect chargebacks, so a dispute may not settle a valid charge.
If you think someone used your card without permission, call your issuer right away.
If the cost is the real problem
Our guide to how much Headway costs covers copays, deductibles, and estimates. If sessions are hard to afford, try a community mental health center and ask about a sliding-fee scale. SAMHSA’s free, confidential National Helpline, 1-800-662-4357, can refer you to local services.
Sources
- Headway Help Center: unexpected fees and charges
- Headway Help Center: payment method
- Headway Help Center: client fees and responsibility
- Headway Help Center: how we estimate session costs, and why session costs may change
- Headway Help Center: updates to your client’s session costs (for providers)
- Headway Help Center: how Headway bills clients (for providers)
- Headway Help Center: understanding the claims process
- Headway Help Center: cancellations and rescheduling
- Headway Help Center: explanation of benefits
- Headway Help Center: contacting Headway support
- Headway: supplemental payment terms
- Headway book-summary app: FAQ
- Headway book-summary app: subscription terms
- Headway book-summary app: terms and conditions
- Apple Support: get help with charges from apple.com/bill
- Google Play Help: report charges you don’t recognize
- FTC: disputing credit card charges
- SAMHSA National Helpline
- SAMHSA: free or low-cost treatment options
One important note: if you are in crisis or considering harming yourself, please reach out now. In the US, call or text 988 for the Suicide & Crisis Lifeline. Immediate human support is available.