You can pay with Cash or Check to get the full benefit of a 20% discount. If you pay by Credit/Debit Cards the discount amount will drop to 15% because of the fees charged by Credit Card Merchant. Care Credit can also be used and is a special form of credit card account that provides extended payment options for health related services. Care Credit may be used to pay for the membership. If Care Credit is used to pay for treatment, then there will be 15% discount rather than 20%, because Care Credit already has more than a 5% service charge built into it.