In the US, I think it’s more common to charge after. I worked at an agency whose paperwork stated they would charge before the session, but they never actually did.
Personally, I’m not gonna cancel a session just because the card declines anyway- I can be paid another time; so it’s much less awkward to just charge after imo
I use transcribro daily, and it consistently surprises me with its accuracy; I had to say “OIC,” and I thought for sure it was gonna interpret it as “Oh, I see,” but it got it right!
Edit: I just tried FUTO though and I think I already like it better lol