Merchant services for gyms, fitness studios and trainers
Memberships, class packs, drop-ins and personal training. Recurring billing and front-desk payments for gyms, yoga and pilates studios, martial arts schools and trainers.
- Free statement analysis
- Month-to-month options
- $0 upfront equipment with qualifying agreement
- Nationwide service, Houston-area HQ
Get a free quote
Tony replies within 1 business day. No obligation.
Payments for fitness & gyms, without the runaround
Most fitness revenue is recurring, so failed card payments and expired cards cost more than the processing rate does. A good setup stores cards securely, retries declines, updates expiring cards where the program supports it and lets members pay a balance without a phone call.
We'll help you connect payments to the membership or booking software you already use, or choose one if you're opening a new studio, and price processing for a mix of monthly dues, class packs and front-desk retail.
- Recurring membership billing
- Class packs and drop-in payments
- Card-on-file with secure storage
- Front-desk retail and supplements
- ACH for monthly dues
- Integration with common booking platforms
What a good fitness & gyms setup includes
Built around the way you take orders and get paid.
Recurring dues
Monthly or annual billing on a schedule.
Card-on-file
Tokenized cards for renewals and add-ons.
ACH dues
Bank payments for lower-cost monthly billing.
Front desk
Water, gear and supplements at checkout.
Trainer payments
Sessions and packages per trainer.
Pre-sale setup
Take founding memberships before you open.
Take every way your customers pay
One merchant account can cover the counter, the phone, the website and the job site.
Credit & debit cards
Visa, Mastercard, Discover and American Express (Amex may need separate approval), tapped, dipped, swiped or keyed.
Digital wallets
Apple Pay, Google Pay and other contactless wallets on any NFC-ready terminal.
Online & invoices
Payment links, a virtual terminal for phone orders, and website checkout through a payment gateway.
Mobile & on-site
Wireless terminals and phone readers for deliveries, job sites, markets and events.
ACH & eCheck
Bank-to-bank payments for larger invoices and recurring billing, usually at a lower cost than cards.
Recurring billing
Card-on-file and scheduled payments for memberships, retainers and service plans.
Three ways to price card processing
There's no single best model. We'll show you each one priced against your real numbers, then you choose.
Flat rate
One percentage plus a per-sale fee on every card. Easy to read, but you pay the same rate on a cheap debit card as on a premium rewards card.
- Predictable
- Simple statements
- Often costs more as volume grows
Fits: low volume, seasonal or brand-new sellers
Interchange-plus
You pay the card networks' wholesale cost (interchange and assessments) plus a fixed, disclosed markup. Every layer shows on your statement.
- Most transparent
- Markup stays fixed
- Usually lowest cost at higher volume
Fits: established businesses, larger tickets, B2B
Cash discount / dual pricing
Your posted prices account for card costs, and customers paying cash get a lower price. Card sales help cover processing instead of your margin.
- Offsets much of your processing cost
- Clear signage and receipts
- Not a surcharge
Fits: restaurants, auto, retail, service shops
Not sure which fits? Get a free statement analysis or read pricing explained.
Why business owners work with Cedarline
We're a small, independent agent. That means fewer layers between you and the person who set up your account.
One person who answers
You work with Tony directly, from the first statement review to go-live and after. No call-center queue to start.
Pricing you can read
Every quote shows the rate, per-item fee, monthly fees and any equipment terms in writing before you sign.
Options, not one platform
We compare programs from several partner processors and POS platforms, so the setup fits your business instead of the other way around.
Set up correctly
Cash discount signage, receipt settings, tip and tax settings, and test transactions are handled before you go live.
Get set up in three steps
From first call to first sale, without the guesswork.
Send a statement or tell us your plans
Existing business? Send one recent processing statement. Opening soon? Tell us what you'll sell and when.
Compare your options
You get a side-by-side of pricing models, equipment and terms, priced against your numbers.
Go live, tested
Approval, equipment programming, signage and test transactions, done before you rely on it.
Approval timing depends on the processor's underwriting. Most complete applications get a decision in a few business days.
Frequently asked questions
Can I sell memberships before my gym opens?
Yes, many studios run a pre-sale. Set up your merchant account early so you can collect founding memberships with clear start dates and refund terms. See getting set up before day one.
Will it work with my booking software?
Many fitness and booking platforms work with specific processors or gateways. Tell us which one you use and we'll check what fits.
Is ACH a good option for monthly dues?
Often. Bank payments usually cost less than cards for recurring billing, and many members are happy to use them. Most gyms offer both.
Other industries
Not sure what you're paying, or what you'll need?
Send a recent statement or tell us about the business you're opening. You'll get a plain-English breakdown and options, with no cost or obligation.