Best Merchant Accounts for Fitness Centers (2023)

Finding The Right Credit and Debit Card Processor for Gyms and Fitness Centers

Fitness centers and gyms mainly accept credit cards through automated billing systems, but they can also use a virtual terminal or point-of-sale system to process non-member payments at the door. In addition to these fundamental merchant account services, your health club might also benefit from features like client management software integration, online marketing tools, and mobile payment processing for trainers. Of course, it’s also nice to land a deal that minimizes your costs without locking you into expensive long-term agreements.

To help you find the right fit for your gym, we’ve put together the following list of the best merchant account providers for fitness centers. The providers on this list are able to provide recurring billing options, e-commerce solutions, virtual terminals, and other useful services for fitness clubs at a reasonable cost. More importantly, though, they all consistently receive positive feedback from merchants and third-party reviewers. In order to make sure you get the best deal for your wellness center, be sure to contact several providers on this list and compare their features and pricing.

How to Select the Best Fitness Center Credit Card Processor

When selecting the best credit card processor for a Fitness Center business in the USA, there are several factors that you should consider. We have outlined some specific considerations below.


The credit card processor should be PCI compliant, and should offer EMV (chip and pin) technology to ensure that credit card information is secure.

Credit Card Payment Processing Fees

Look for a processor that offers competitive processing fees. Fitness centers typically operate on thin margins, so every penny counts.

Payment Options

Your credit card processor should be able to process a variety of payment types, including credit cards, debit cards, and mobile payments.


Look for a credit card processor that integrates with your gym management software, as this can streamline your payment processing and reduce errors.

Chargeback Protection

Your credit card processor should offer chargeback protection, which can help you avoid losing revenue due to fraudulent chargebacks.

Reliable Customer Support

Choose a processor that offers reliable customer support, with representatives available 24/7.

Contracts and Credit Card Processing Fees

Be sure to read the fine print and understand the terms of any contracts or fees associated with your credit card processor. Look for a processor that offers transparent pricing and no hidden fees.


Look for a credit card processor with a good reputation in the fitness industry, with positive reviews from other fitness center owners. You can consider our review on this website, by simply searching for the processor in the search bar at the top of this page.


Consider the equipment required for processing credit card transactions, such as card readers, mobile devices, and POS systems, and ensure that the processor offers compatible equipment.

Overall, when selecting a credit card processor for a Fitness Center business in the USA, it’s essential to consider factors such as security, payment processing fees, payment options, integrations, chargeback protection, customer support, contracts and fees, reputation, and equipment compatibility.

Top Picks for Merchant Services for Fitness Centers

Host Merchant Services logo

#1 Host Merchant Services

Top Rated for Fitness Center Credit Card Processing

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for fitness centers of all sizes. The company’s products and services include point-of-sale solutions, online marketing tools, an online payment gateway and virtual terminal, custom software integration, mobile credit card processing, gift and loyalty programs, and merchant cash advance. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to interested merchants. Host is an excellent option for gyms that would like robust in-store payment options as well as a strong online presence.

Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

Why Host Merchant Services is the Perfect Payment Processing Solution for Fitness Center Businesses

As a fitness center business owner, one of your top priorities is to provide your clients with convenient payment options. Host Merchant Services (HMS) is an excellent payment processing solution that provides small businesses like fitness centers with the tools they need to accept credit card payments from their customers. Here are a few reasons why HMS is the perfect payment processing solution for fitness centers:

Seamless Integration

HMS offers seamless integration with most fitness center management software systems, making it easier for business owners to manage their payments and streamline their operations. You won’t have to worry about manually inputting payment data or reconciling your payments with your management system.

Competitive Rates

Host Merchant Services offers some of the most competitive rates in the payment processing industry, with no hidden fees or surprises. As a fitness center business owner, you can benefit from their low rates and save money on payment processing fees, which can add up over time.

High-Quality Customer Support

HMS has a dedicated customer support team available 24/7 to assist you with any payment processing issues or concerns. With their knowledgeable and friendly support team, you can rest assured that your payment processing needs will be taken care of promptly and efficiently.

Security and Fraud Protection

HMS uses state-of-the-art security and fraud protection measures to safeguard your customers’ payment data and protect your business from fraudulent transactions. This can give your customers peace of mind when making payments, and protect your business from potential losses due to fraud.

Host Merchant Services is a great payment processing option for fitness center business owners. With its seamless integration, competitive rates, high-quality customer support, and security measures, HMS can help you provide your customers with convenient payment options and streamline your payment processing operations.

For more information, visit the Host Merchant Services website or call (888) 727-4538.

PaymentCloud Logo


Top Rated for Fitness Center Merchant Services

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving standard to high risk business types. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. These features allow merchants to automated recurring payments for memberships as well as process one time payments. PaymentCloud’s POS offering also enabled fitness centers to keep track of supplements, apparel, and other items they sell. For these reasons, PaymentCloud is a great option for fitness centers.

PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

PaymentCloud – The Best Credit Card Processing Solution for Fitness Center Businesses

PaymentCloud is an excellent option for fitness center business owners who need to accept credit card payments from their customers. With a wide range of features specifically designed for fitness center payment processing, PaymentCloud can help streamline your business operations and boost your bottom line.

Easily Handle Recurring Payments

One of the primary benefits of using PaymentCloud for fitness center payment processing is its ability to handle recurring payments. As a fitness center business owner, you likely have customers who pay for monthly or annual memberships. PaymentCloud makes it easy to set up and manage these recurring payments, saving you time and hassle.

Seamless Integration with Fitness Center Software

Another key advantage of PaymentCloud is its seamless integration with popular fitness center software solutions. Whether you use MindBody, Zen Planner, or another software platform to manage your business, PaymentCloud can integrate with it, ensuring a smooth payment processing experience for both you and your customers.

Advanced Security Measures

PaymentCloud also offers advanced security features to protect your customers’ payment information. With PCI-compliant payment processing and secure tokenization, you can rest assured that your customers’ sensitive data is safe and secure.

Excellent Customer Service

PaymentCloud provides excellent customer service and support to ensure that any issues or concerns you have are quickly addressed. With 24/7 support and a dedicated account representative, you can always get the help you need to keep your business running smoothly.

If you’re a fitness center business owner in need of a reliable and secure credit card processing solution, PaymentCloud is an excellent option. With its ability to handle recurring payments, seamless software integrations, advanced security features, and outstanding customer service, PaymentCloud is the ideal choice for fitness center payment processing.

For more information, visit the PaymentCloud website or call (888) 506-7859.

PaymentCloud Logo


Fast Approval of Most Industries

Competitive Rates

No Cancellation Fees

Sales & Support:

national processing logo

National Processing

Top Rated for Fitness Center Merchant Accounts

Active since 2008, National Processing is a merchant account provider leading the industry’s move toward flat-rate, subscription-style pricing. The company’s products and services include EMV-compatible countertop terminals, a virtual terminal, an online payment gateway, an online shopping cart, mobile phone processing, QuickBooks integration, online invoicing, and recurring billing. National Processing is capable of serving all gyms and fitness centers and offers a comprehensive dashboard for tracking all payments and customers.

National Processing offers multiple pricing plans with different rates. Merchants can select either a plan that charges a flat fee on all transactions or a plan that charges a fixed monthly fee plus a fixed per-transaction dollar amount above interchange. In other words, merchants can choose whether or not they are charged a percentage markup on each transaction. National Processing currently has an “A” rating on CPO and an “A+” rating with the Better Business Bureau.

National Processing: A Top Choice for Fitness Center Payment Processing

When it comes to payment processing for fitness centers, National Processing is a top choice for small business owners. As a fitness center owner, you want to make sure that your payment processing system is secure, efficient, and reliable. National Processing delivers on all these fronts and more.

Competitive and Tailored Rates

National Processing offers competitive rates that are tailored to the specific needs of fitness center businesses. With transparent pricing and no hidden fees, you can rest assured that you’re getting a fair deal. Additionally, National Processing offers a range of payment options that are popular among fitness center customers, such as contactless payments and mobile payments. This makes it easy for your customers to pay for their gym memberships or personal training sessions using the payment method they prefer.

Advanced Security Technology

National Processing also offers advanced security features to protect your business and your customers’ payment information. Their payment processing systems are PCI-compliant and use advanced encryption technology to safeguard against fraud and data breaches. This means that you can accept credit card payments with confidence, knowing that your customers’ sensitive information is protected.

Specialized Customer Service

Another advantage of National Processing is their excellent customer support. Their team is available 24/7 to answer any questions or concerns you may have about your payment processing system. They can also help you set up and customize your payment processing solution to meet the unique needs of your fitness center business.

National Processing is an excellent option for fitness center owners who need a reliable, secure, and cost-effective payment processing system. With their competitive rates, flexible payment options, advanced security features, and exceptional customer support, National Processing has everything you need to streamline your payment processing and improve your bottom line.

For more information, visit the National Processing Website, or call (385) 777-1235.

national processing logo

National Processing

Best Option For Clover POS

Competitive Rates & Fees

Highly Rated Customer Service

Sales & Support:

Additional Options

cdg commerce logo

CDG Commerce

CDG Commerce is a Chesapeake, Virginia-based merchant account provider that offers retail, mobile, and e-commerce solutions for fitness clubs. The company’s products include credit card terminals, an online payment gateway and virtual terminal, fraud protection, a chargeback dispute resolution system, tokenized payments, ACH processing, and recurring billing. CDG Commerce is a good option for gyms that would like to accept payments online and in person using a simple, fully integrated solution.

CDG Commerce was founded in 1998 and has consistently maintained a positive reputation among merchants and third-party reviewers since then. The company currently has an “A+” rating from and an “A+” from the BBB.

CDG Commerce: A Reliable Payment Processing Solution for Fitness Centers

As a Fitness Center business owner, it’s crucial to have a reliable payment processing solution to accept credit card payments from your customers. CDG Commerce is an excellent option for Fitness Center owners looking for a payment processor that specializes in small businesses.

Low Rates for Credit Card Processing

One of the key benefits of CDG Commerce is its low rates for credit card processing, which can help Fitness Centers save money on transaction fees. They offer transparent pricing with no hidden fees, so you’ll know exactly what you’re paying for each transaction.

A Variety of Payment Processing Solutions Offered

In addition to competitive pricing, CDG Commerce also offers a range of payment processing solutions that are tailored to the needs of small businesses. They provide online payment processing, mobile payments, and recurring billing options, which are essential for Fitness Centers that offer membership programs or recurring classes.

Commitment to Security

Another advantage of CDG Commerce is their commitment to security. They use the latest encryption technology to protect sensitive payment data and comply with PCI DSS standards to ensure that your customers’ payment information is safe.

CDG Commerce is a reliable payment processing solution for Fitness Centers looking to accept credit card payments from their customers. Their competitive rates, tailored solutions for small businesses, and commitment to security make them an excellent choice for Fitness Center owners who want to streamline their payment processing and focus on growing their business.

cdg commerce logo

CDG Commerce

Low Rates & Fees

No Cancellation Fees

Compatible With Numerous Apps

Sales & Support:

Shopify Logo
Shopify Logo


Shopify offers chargeback recovery, email marketing, rewards programs, and an iPad-based point-of-sale application that merchants can use to accept payments in-person. Shopify offers month-to-month pricing plans with variable pricing and product tiers. Gyms and fitness centers that do not maintain robust brick and mortar storefronts and rely heavily on e-commerce and online product sales can benefit greatly from Shopify’s easy online merchant account services.

The company provides phone, email, and live chat support to all of its merchant tiers and enjoys very few online complaints despite its massive user base. The BBB gives Shopify an “A+” rating at this time, while awards the company an “A.”

Why Shopify is a Great Payment Processing Option for Fitness Centers

As a small business owner in the Fitness Center industry, accepting credit card payments is essential. Not only does it offer a convenient payment option for customers, but it can also increase your revenue and help your business grow. Shopify is an excellent payment processing option for Fitness Center owners, and here are a few reasons why.

Easy Setup and Use

Shopify makes it incredibly easy to set up and use its payment processing system, even for those who are not tech-savvy. Fitness Center owners can quickly get started with Shopify’s user-friendly interface and can begin accepting credit card payments from their customers in no time.

Secure Payment Processing

Security is a top concern for businesses that accept credit card payments, and Shopify provides a secure payment processing system. The platform is PCI compliant and uses industry-standard security measures to ensure that all transactions are safe and secure.

Mobile Payments

Fitness Center owners who operate on-the-go or at multiple locations can take advantage of Shopify’s mobile payment processing system. With this option, customers can make payments using their mobile devices, and Fitness Center owners can easily accept these payments.

Excellent Customer Support

Shopify provides excellent customer support to its users. If Fitness Center owners run into any issues or have any questions about their payment processing system, Shopify’s support team is available to assist them.

Shopify offers an easy-to-use, secure, mobile-friendly, and customer-focused payment processing system that is an excellent option for Fitness Center owners who want to accept credit card payments. By choosing Shopify, Fitness Center owners can focus on their business while Shopify takes care of the payment processing.

For more information, visit the Shopify website.

shopify logo


Easy to Use Store Builder

Integrated Payment Options

Mobile and Point-of-Sale Options

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Phillip Parker
Phillip Parker
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