Fitness & Gym Payment Processing

Recurring billing built for retention, not for chargebacks.

Membership dues, class packs, personal-training sessions, and retail merchandise on a single account with retention tooling that keeps card-on-file alive through reissues and expirations.

Fitness and health-club operators run on recurring billing, and recurring billing fails for one reason: stale card credentials. Industry studies put involuntary churn (failed payments on otherwise-active members) at 20-40% of total churn. Network tokenization (Visa Token Service, Mastercard MDES) refreshes the underlying credential automatically when a member's card is reissued, lifting authorization rates 2-4 points and pulling thousands of dollars per month back into recurring revenue at most multi-location gyms. We pair tokenization with smart retry logic, dunning automations, and ACH fallback so dues collect on the first attempt instead of after three calls to the front desk.

What we do for Fitness & Gym

  • Network-tokenized recurring billing (auto-updated on reissue)
  • Smart retry sequencing tuned to decline reason codes
  • Dunning emails and in-app prompts before card-on-file expires
  • ACH alternative for high-ticket annual memberships
  • POS for retail (apparel, supplements) on the same account

Frequently Asked Questions

Will I have to switch off Mindbody or ABC?

No. We integrate as the processing layer underneath your existing membership management software. The front desk experience does not change; the back-end fees and authorization rates do.

How does network tokenization actually save money?

When a member's card gets reissued (lost, stolen, expired), the issuing bank refreshes the network token automatically. Your card-on-file vault stays valid without member action. On a 1,000-member gym at $80/month dues, lifting authorization rate from 92% to 95% is $2,400/month back into the deposit.

Can you process for franchise multi-units?

Yes. Multi-location franchise groups get parent-child account structure with consolidated reporting at the corporate level and individual P&L at each unit. Royalty deductions and split funding are configured at signup.