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Fitness · Merchant services

Gyms, studios & martial arts

Fitness businesses are recurring-revenue machines that nobody treats like recurring revenue. Member dues, frozen accounts, family bundles, retail, gear rental, packages — all running on a system that thinks every charge is a one-off. Xray builds fitness accounts around the actual recurring model.

93%
Avg dues collection rate after our setup
$0
Mindbody fees if you switch to native booking
4-day
Avg time from frozen to reactivated member
+22%
Increase in retail / gear add-on sales
The pain

Why generic processing fails Fitness.

Failed dues that nobody chases

Card on file expires, charge fails, member quits. You find out at the next quarterly retention review.

Frozen accounts that come back as cancellations

Member freezes for July, intends to reactivate in August. Nobody reaches out. Now they're gone.

Family bundles that lose half the family

$120/month for a family of 4. One kid quits. Now the family's paying for an empty slot.

Retail and gear sales as an afterthought

Shaker bottles, branded tees, recovery products — all sitting in a cabinet because the front desk hardware can't scan or take a separate sale.

How we fix it

What Xray actually configures for Fitness.

Recurring dues with smart-retry + AU

Soft declines retry on schedule. Reissued cards get auto-updated. Collection rate climbs from 84% to 93%+.

Freeze workflow with reactivation reminder

Member freezes — system tracks the reactivation date and sends a "welcome back" SMS the day before.

Family bundle math

Family member quits — bundle auto-reprices, family pays new total. Or apply a "kids stay free" promo to keep them on.

Retail + dues in one terminal

Same Clover Mini that takes dues swipes a $25 shaker bottle. Single batch, single statement, retail SKU tracking.

Programs we run

Configured on your account before activation.

  • Recurring billing with smart-retry + Account Updater
  • Cash discount or surcharge on retail product side
  • Pre-paid packages (10-session punch cards, etc.)
  • Gift cards (digital and physical)
  • Freeze + reactivate workflow

Software & integrations

Bidirectional, real-time wherever supported.

  • Mindbody (read/write sync)
  • Glofox, ClubReady, Zen Planner
  • Wodify (CrossFit specific)
  • Mariana Tek (boutique fitness)
  • QuickBooks Online for monthly close
Built for the work

Features tuned for Fitness.

Recurring dues with smart-retry
Family bundle pricing rules
Freeze + reactivate workflow with SMS reminders
Pre-paid package balances
Retail product inventory alongside dues
Branded gift cards
Member check-in via barcode or NFC
Personal trainer commission tracking
A day in the life

What it looks like on a Tuesday.

Boutique HIIT studio: 420 members at $129/month. 1st of month, recurring runs — 392 collect cleanly, 28 decline. Account Updater recovers 18 expired cards silently. Smart-retry recovers 8 of the remaining 10 over the week. Net failure: 2 members (vs. 28 on a generic processor). At the same time, a member buys a $42 hoodie at the front desk — same Clover Mini, same statement, retail SKU decrements. Front desk hands her a Pay-by-Link to gift her sister a 5-pack of classes ($175); sister buys, redeems at her first visit.

What everyone else misses

Why generic processors fall short.

Most gym processors treat dues like a one-time charge. No Account Updater = 8% lost MRR. No smart-retry = 5% more. No retail flow = front desk runs a paper sale book. The wrong setup costs a 400-member studio $40-60K/year in invisible leakage.

$
What this saves you

The actual math.

A 420-member studio at $129/mo with 88% collection rate (industry average) loses 12% × $54K = $6,500/month = $78K/year. Our setup typically takes that to 93-95% collection — a $40-50K annual recovery.

FAQ

Fitness questions, straight answers.

Will you integrate with Mindbody?

Yes — payments flow through our terminal while Mindbody handles scheduling and member records. You can also fully migrate to native Clover booking if you want to drop Mindbody.

Can I freeze a membership?

Yes — set freeze start/end dates; member doesn't get charged during the freeze; auto-resumes on the end date with an SMS notification.

Can I run family pricing?

Yes — bundles like "first family member $89, each additional $59" with automatic math if a member drops or joins.

How do gift cards work?

Branded digital and physical gift cards — included free. Sold at the front desk or on a hosted page on your domain.

Ready to set up Fitness processing the right way?

Bring your last statement and we'll send a custom rate quote in under 24 hours — no obligation, no boilerplate. We'll spec the hardware, configure the programs, and have you live in 3 business days.