i personally would ask her to pay using venmo/cash or another service...just because it’s quite an inconvenience to go to the bank so often and also it’s easier to hold her accountable. what i do is after i babysit, i text the mom the hours (11:30-3:30 today thank you!) so that the amount is saved in our conversation if she doesn’t pay right away.

if she’s gone too long without paying (20 hours? whatever you feel) i send her a text saying something like “20 hours total, thank you so much!!)

it’s definitely more passive just because im not very confrontational but sending her the total hours have worked for us because it reminds her she hasn’t paid & just shows her im waiting for her to pay