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.
Best Merchant Accounts for Fitness Centers
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+.”
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.”
Active since early 2014, Fattmerchant 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. Fattmerchant is capable of serving all standard-risk fitness centers and offers a comprehensive dashboard for tracking all payments and customers.
Fattmerchant 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. Fattmerchant currently has an “A” rating on CPO and an “A+” rating with the Better Business Bureau.
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 CardPaymentOptions.com and an “A+” from the BBB.
Based in Scottsdale, Arizona, Vantage Payments is a merchant account provider that can serve health clubs of all sizes and types. The company’s products and services include point of sale equipment, remote deposit capture, multi-currency support, web design, and SEO assistance. Vantage Payments is a good fit for health clubs that accept most of their payments on-site.
Vantage Payments currently has a clean complaint record across all review websites, which is an impressive feat for a company that serves a number of high risk industries. Our review of Vantage gives the company an “A” rating at this time, while the BBB gives Vantage an “A+.”
Headquartered in Chicago, Illinois, Payline Data is an excellent all-around merchant account provider for fitness centers of all sizes. The company’s products and features include traditional and tablet-based POS solutions, a QuickBooks-integrated online payment gateway and virtual terminal, automated recurring billing, payment tokenization, online shopping carts, mobile processing, and customizable sales analytics. Payline’s virtual terminal safely transmits customers’ encrypted payment information to Payline’s secure servers, eliminating the merchant’s liability while still allowing the merchant to initiate future payments without direct access to card data. Payline is a great option for all gyms, from local health coaches to national franchises.
Payline Data consistently receives praise from merchants for its transparent sales policies, helpful customer support, and affordable pricing model, which typically includes interchange-plus pricing with no early termination fees. Our review of Payline Data gives the company an “A+” rating, while the Better Business Bureau gives Payline an “A” at this time.
ShopKeep is a POS system provider based in New York City. ShopKeep’s useful features include inventory management, layout customization, labor tracking, customizable receipts, customer profiling, real-time analytics, a mobile dashboard app for live sales tracking, and a barcode scanner. ShopKeep is a good option for fitness centers that have highly active points of sale or on-site dining areas for members.
ShopKeep costs $49 per month per register, but it allows you to choose the credit card processor you would like to use or keep your current processor. This provider-agnostic flexibility is ideal for merchants who are looking to keep costs to a minimum. Our review of ShopKeep awards the company an “A” rating, while the BBB is awarding the company an “A+” rating at this time.
PayJunction is a merchant account provider headquartered in Santa Barbara, California. Like Payline Data, the company offers a proprietary web-based virtual terminal that is perfect for single-register, subscription-based organizations like gyms. PayJunction’s paperless payments system enables fitness clubs to securely accept credit cards using only an internet-connected desktop computer, and it can also securely establish recurring billing, accept ACH payments, identify returning customers, set up and manage payment plans, add a “Buy Now”-style button to existing websites, and view each given credit card’s transaction history. PayJunction is a good option for locations without busy point-of-sale needs that would like to process payments without buying or leasing a traditional credit card terminal or paying for a dedicated phone line.
PayJunction offers interchange-plus pricing with no early termination fees to most merchants and is also able to customize rates based on a business’s type and volume. Our review of PayJunction currently gives the company an “A+,” and the BBB also gives PayJunction an “A+.”