Automated Recurring Dues Collection
Zero Fees on Eligible Wallet Payments*
Reduce Payment Failures by 60%
Staff Payroll by Credit Card Option
SOC 1 Certification
Reduced risk of financial misstatements
SOC 2 Certification
Data integrity assurance
GDPR Compliance
Enhanced user privacy rights
PCI DSS Compliance
Protection against data breaches
ISO 27001 Certification
Risk-based approach to security
ISO 20000 Certification
Efficient service delivery processes
ISO 9001 Certification
Customer-centric operations
CCPA Compliance
User control over personal data
NIST 800-53 Compliance
Federal-level data protection
HIPAA Compliance
Privacy protection for patient dataPayment infrastructure designed for membership operations.
Reliable dues collection, flexible payroll, automated vendors. Everything membership organizations actually need.
Automated Recurring Membership Dues
Collect monthly, quarterly, or annual dues automatically. Send payment links to members—they choose ACH (zero fees to you*) or credit card. Failed payment recovery with automatic retries and member notifications. Reduce billing administration by 80% while improving collection rates.
Impact: 95% collection rate + 80% less billing time
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2. Flexible Staff & Instructor Payroll
Process trainer wages, front desk staff, coaches, instructors with complete flexibility. Credit card payment option during seasonal cash flow dips. Handle complex pay structures—hourly, class-based, commission splits. Automated recurring payroll keeps everyone paid on time.
Impact: Payroll processed reliably regardless of cash flow timing
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3. Complete Vendor & Operational Management
Pay equipment vendors, facility maintenance, utilities, insurance automatically. Bulk vendor processing for multiple suppliers. Zero transaction fees on eligible wallet payments.* Credit card option extends cash flow 30-45 days during slower seasonal periods.
Impact: Operational expenses automated + cash flow optimized
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Every payment type membership organizations need.
Recurring Membership Dues
Automated monthly, quarterly, or annual dues collection. Members authorize once, you collect automatically. Failed payment recovery with smart retry logic. Zero fees on ACH collections to wallet.*
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New Member Onboarding
Send payment links for initiation fees, first month dues, and required deposits. Accept ACH or credit card. Instant processing. Member starts immediately without payment friction.
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Staff & Instructor Payroll
Process wages for trainers, instructors, coaches, front desk, maintenance. Handle hourly, per-class, and commission structures. Credit card payment option bridges seasonal cash gaps.
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Vendor & Supplier Payments
Pay equipment vendors, supplement suppliers, maintenance contractors, cleaning services. Bulk processing available. Automated recurring payments for regular vendors.
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Member Refunds & Credits
Process membership cancellation refunds, class credits, or overpayment returns quickly. Individual or bulk refund processing. Fast turnaround improves member satisfaction.
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Guest Fees & Day Passes
Collect one-time guest fees, day pass payments, drop-in class fees via payment links. Members or guests pay instantly from any device. No card terminals needed.
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Three steps to effortless membership payment operations.
Set Up Your Membership Structure
Configure membership tiers with different due amounts and frequencies. Set up payment methods—encourage ACH for zero fees.* Add staff payroll schedules and vendor payment terms.
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Automate Recurring Collections
Members authorize recurring payments once during signup. System processes automatically on schedule. Failed payments retry automatically with member notifications. You focus on member experience, not billing.
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Manage Everything Centrally
Track all membership payments, staff payroll, vendor expenses in one dashboard. Export reports for accounting. Integration with membership management software. Complete financial visibility.
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Features built for membership operations.
Recurring Billing Automation
Set up automated recurring dues collection for all membership tiers. Monthly, quarterly, annual—system processes automatically. Failed payment recovery with configurable retry schedules and member notifications.
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Payment Failure Recovery
Smart retry logic for failed payments. Automatic member notifications via email and text. Dunning management to recover failed dues. Reduce involuntary churn by 60%.
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Multiple Membership Tiers
Support different membership levels with varying dues amounts and frequencies. Individual, family, corporate memberships. Student discounts. Senior rates. All managed automatically.
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Membership Management Integration
Connect with Club Ready, Mindbody, WellnessLiving, Zen Planner, Glofox, or other membership management software. Automatic payment posting. Seamless data flow between systems.
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Staff Payment Flexibility
Handle complex instructor pay structures. Per-class rates for yoga instructors. Hourly wages for front desk. Commission splits for personal trainers. All automated and accurate.
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Seasonal Cash Flow Management
Credit card payment option for operational expenses during slower months. Pay staff and vendors on time even when membership revenue dips seasonally. Extend cash flow 30-45 days.
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Solutions tailored by organization type.
Fitness Studios & Gyms
Operation Profile: Monthly membership dues, class packages, personal training, retail, instructor wages
Zil Money Solution:
- Automated recurring membership billing
- Class package and personal training payments
- Instructor per-class or commission pay structures
- Retail product payment processing
- Equipment vendor and utility automation
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Yoga & Pilates Studios
Operation Profile: Unlimited monthly memberships, class packs, workshops, teacher training, boutique environment
Zil Money Solution:
- Flexible membership tier management
- Workshop and special event payments
- Teacher per-class payment automation
- Retail (mats, props, apparel) payment processing
- Studio rent and utility automation
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Martial Arts & Boxing Gyms
Operation Profile: Family memberships, belt testing fees, tournament fees, equipment sales, instructor wages
Zil Money Solution:
- Family membership billing with multiple members
- Testing and tournament fee collection
- Equipment sales processing
- Instructor and coach payroll
- Facility and equipment vendor payments
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Country Clubs & Private Clubs
Operation Profile: High-value memberships, initiation fees, monthly dues, dining charges, event fees, large staff
Zil Money Solution:
- High-dollar membership dues collection
- Initiation fee processing with payment plans
- Dining and amenity charge processing
- Large staff payroll management
- Vendor payments for club operations
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Professional Associations
Operation Profile: Annual membership dues, conference fees, certification programs, publication sales, chapter payments
Zil Money Solution:
- Annual and monthly dues automation
- Conference and event registration payments
- Certification and education program fees
- Publication and resource sales
- Chapter remittance processing
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Coworking Spaces
Operation Profile: Monthly desk memberships, meeting room bookings, mail services, event space rental
Zil Money Solution:
- Flexible workspace membership billing
- Meeting room and event space payments
- Additional service fee collection
- Vendor payments for space operations
- Member refunds and credits
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Smart payment strategies for seasonal membership businesses.
The Seasonal Challenge
The Reality:
January—memberships boom. March—attrition starts. Summer—slower signups. September—back-to-school boost. December—holiday slowdown. Revenue fluctuates but staff needs consistent pay and vendors want payment on time.
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The Solution:
Collect membership dues to Zil Money Wallet with zero ACH fees.* Pay staff and vendors with wallet balance—zero transaction fees on eligible payments.* During slow months, use credit card option to pay operational expenses. Extend cash flow 30-45 days until revenue rebounds.
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Real Impact:
Smooth cash flow year-round despite seasonal revenue patterns
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The ACH Collection Strategy
The Approach:
Encourage members to pay monthly dues via ACH instead of credit card during signup. Position as “no payment processing fees passed to members” benefit.
Implementation:
Make ACH the default/recommended payment method during signup. Clearly communicate member benefit. Keep credit card as backup option.
Why It Matters:
- You pay $0 to collect ACH dues via wallet*
- Member pays same amount
- You save 3% on every membership
- 100 members × $150/month × 3% = $4,500 annually saved
The Wallet Cycle Strategy
The Complete Cycle:
- Members pay monthly dues to your Zil Money Wallet (ACH = zero fees*)
- Keep operating balance in wallet earning cash back on qualifying transactions*
- Pay instructors, staff, vendors from wallet (zero fees on eligible payments*)
- Result: Zero collection fees + cash back rewards* + zero payment fees*
The Math:
- Collect $15,000 monthly dues via ACH = $0 fees*
- Traditional collection = $450/month in fees
- Annual savings = $5,400 kept in your business
Stop losing members to payment failures.
The Hidden Membership Killer
The Problem:
20-40% of membership cancellations happen involuntarily due to payment failures. Expired cards. Insufficient funds. Bank account changes. Lost revenue you never had to lose.
The Statistics:
- Industry average: 30% involuntary churn from failed payments
- Cost: $50-200 lost lifetime value per member
- 500 member gym: 150 members lost annually to payment failures
The Recovery Solution
Smart Retry Logic:
Automatically retry failed payments on optimized schedule. Day 1, Day 3, Day 7 attempts with highest success rates.
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Proactive Member Communication:
Automatic email and text alerts before payment attempts and after failures. Clear instructions to update payment methods.
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Multiple Payment Methods:
Allow members to have backup payment method on file. If primary card fails, automatically try secondary method.
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Payment Method Update Links:
Send secure links where members can update expired cards or bank accounts without calling or visiting.
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The Results:
Reduce involuntary churn from 30% to 12%. Retain 90 members annually who would have been lost. $4,500-18,000 in retained annual revenue.
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Pay your team accurately and on time.
Complex Pay Structures Made Simple
Yoga Instructor Example:
- Base rate: $50 per class taught
- Bonus: $5 per student over 10 attendees
- Substitute rate: $40 per class
- Workshop rate: $75 per hour
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Personal Trainer Example:
- Hourly rate: $30 for floor time
- Session commission: 40% of client session fee
- New client bonus: $100 per signup
- Retention bonus: $50 per client after 12 sessions
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System Handles:
Automated calculation based on tracked classes, sessions, and metrics. Accurate payment every pay period. Complete records for accounting and taxes. 1099 generation for contractors.
Pay During Cash Flow Gaps
The Situation:
Slower month. Membership revenue down 20%. Rent due. Staff payroll due. Equipment payment due.
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The Solution:
Process payroll by credit card through Zil Money. Staff gets paid on time—morale and retention protected. You get 30-45 days before card payment due. Revenue rebounds before card bill arrives.
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The Alternative:
Delay staff pay → instructors leave → member experience suffers → more cancellations → worse cash position.
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Works with your membership management software.
Membership Management Platforms
Compatible Systems:
Mindbody
WellnessLiving
Vagaro
Club Ready
Glofox
PushPress
Zen Planner
Pike13
Wodify
Integration Benefits:
Membership payments automatically posted
Failed payment notifications synced
Member status updates automated
Eliminate duplicate data entry
Real-time payment visibility
Accounting Software
QuickBooks, Xero, FreshBooks integration. All membership dues, staff payroll, vendor payments categorized automatically. Export reports for tax preparation and financial planning.
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Point of Sale Systems
Connect to POS for retail sales, guest fees, day passes. Unified payment processing for memberships and point-of-sale transactions.
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Communication Platforms
Integrate with Mailchimp, Constant Contact, or your email/SMS system. Automatic member communication for payment failures, upcoming renewals, and payment confirmations.
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Bank-grade security for member financial data.
PCI DSS Compliance
Full PCI DSS compliance for all card transactions. Member payment data tokenized and secured. You never store sensitive card information.
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SOC 2 Type II Certified
Independently audited security controls. Annual verification. Enterprise-grade protection for member personal and payment data.
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Bank-Grade Encryption
256-bit AES encryption for all payment information. Same security standards used by major financial institutions.
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FDIC Partner Banks
Banking services through FDIC member banks. Your operational funds and member payments protected.
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Common questions about membership payment processing.
Everything membership organizations need to know about Zil Money.
Members authorize recurring payments during signup. System automatically processes monthly, quarterly, or annual dues on schedule. Failed payments automatically retry with member notifications. You get paid, members stay active, no manual work required.
Smart retry logic automatically attempts payment on optimized schedule. Member receives automatic email and text notifications with secure link to update payment method. System retries until successful or manual intervention needed. Reduces involuntary churn by 60%.
Yes. When members pay monthly dues via ACH to your Zil Money Wallet, you pay zero transaction fees.* Encourage ACH during member signup. Keep credit card as backup option. Use wallet balance to pay staff and vendors with zero fees on eligible payments.*
Configure pay rates for different instructor types—per class, per student, hourly, commission splits. System calculates automatically based on tracked classes or sessions. Process payroll in minutes with complete accuracy. 1099 generation included for contractors.
Absolutely. Use business credit card to process payroll through Zil Money. Staff paid on time regardless of cash flow. You get 30-45 days before card payment due—revenue rebounds before bill arrives. Critical for seasonal membership businesses.
Yes. Integration with Mindbody, Club Ready, Zen Planner, WellnessLiving, Glofox, and other major platforms. Payments automatically posted. Member status synced. Failed payment notifications coordinated. Eliminate duplicate data entry.
Process refunds quickly via ACH. Individual refunds or bulk processing for multiple members. Fast turnaround improves member satisfaction even during cancellation. Complete documentation for accounting.
Yes. Set up instalment plans for initiation fees or annual dues. Automated recurring collection for each instalment. Track payment progress. Flexible terms attract new members while managing your cash flow.
Transparent pricing for membership organizations.
Core Platform
Free
to start
Membership Dues Collection:
- ACH to Wallet: $0 per transaction*
- Credit Card: Competitive rates
Staff Payroll:
- ACH from Wallet: $0 per transaction*
- Credit Card: Standard processing rates
Vendor Payments:
- ACH from Wallet: $0 per transaction*
- Check Mailing: $1.25 per check
Real-World Membership Impact:
Boutique Studio Example:
- 250 members × $140/month × 3% ACH fee = $1,050/month
- Zil Money Wallet: $0 in fees*
- Annual Savings: $12,600
- Savings fund: Marketing, equipment upgrades, or instructor bonuses
Multi-Location Gym Example:
- 2,800 members × $100/month × 3% ACH fee = $8,400/month
- Zil Money Wallet: $0 in fees*
- Annual Savings: $100,800
- Savings fund: Facility expansion or new location investment
*Zero transaction fees on eligible ACH payments made through Zil Money Wallet only. Credit card processing fees apply for card transactions. Complete pricing at zilmoney.com/pricing.
1M+ Business Accounts
$100B+ Transaction Value
SOC 2 Type II Certified
60% Involuntary Churn Reduction
*Zero transaction fees on eligible ACH payments made through Zil Money Wallet only. Credit card processing fees apply for card transactions. Cash back rewards earned on qualifying transactions when funds kept in Zil Money Wallet. Terms and conditions apply. Visit zilmoney.com/terms for complete details.
Zil Money is a financial technology company, not a bank. Banking services provided through partnerships with FDIC member banks. All payment processing subject to standard ACH processing times and banking institution schedules.