Smart retries & dunning
Failed payments auto-retry on optimal days. Friendly reminders from you (not us) go to members with expired cards. Recovered revenue visible in the dashboard.
CC Payments is the managed payment processor for UK gyms, yoga and pilates studios, wellness clinics and subscription brands. Direct Debit for low-cost memberships, card-on-file for premium tiers, smart retries, branded dunning and a member self-serve portal — all on one dashboard. Less involuntary churn. Cleaner books.
Tell us how you collect today and we'll come back with tailored rates — usually within one working day.
Recurring revenue is only as good as the collection rate behind it. Expired cards, insufficient funds, failed renewals — they all quietly eat 5–10% of MRR. Our subscription engine is purpose-built to keep members on plan without awkward emails from your team.
Failed payments auto-retry on optimal days. Friendly reminders from you (not us) go to members with expired cards. Recovered revenue visible in the dashboard.
Members pause, swap plans, update cards and reactivate themselves — without emailing you. Fewer admin tickets, fewer cancellations out of frustration.
On sub-£30 memberships Direct Debit cuts fees substantially. Card for flexibility, Direct Debit for cost efficiency — we manage both side by side.
Gym billing economics come down to a single question: on your £25 membership, what does it actually cost to collect? A percentage-based card rate of 1.5% + 20p costs 57p per collection — that's 2.3% effective. A Direct Debit at a fixed 20p costs just 0.8%. On 1,000 members collecting monthly, that's the difference between £6,840 a year and £2,400 a year. Across several clubs, it's the difference between a decent profit margin and a great one.
But Direct Debit isn't right for everything. Annual paid-in-full memberships, joining fees, class packs, PT packages and premium tiers all benefit from card — faster conversion, Apple/Google Pay, saved cards, better handling of gifts and one-off purchases. The right setup runs both side-by-side with the right method per product. CC Payments handles both natively: one dashboard, one reconciliation, one onboarding.
From drop-in class bookings to 12-month memberships and subscription boxes — one platform, one team handling the build.
Monthly, annual, paid-in-full or instalment plans. Pause, swap, upgrade — all from the member's portal.
Drop-in payments, class packs, multi-visit passes. Embed into your booking page or use the hosted checkout.
Supplements, wellness kits, meal plans. Skip-a-box, swap-a-box, refer-a-friend credit — all handled.
Members sign up on their phone in seconds with a one-tap wallet. Lower friction, higher conversion.
For membership fees under £30/month, Direct Debit is significantly cheaper. We run both card and DD side-by-side.
Active members, MRR, churn rate, revenue recovered. The metrics you actually look at — finally in one place.
Custom pricing for multi-site gyms and brands over £50,000/month. Send us your current statement and we'll quote against your actual effective rate.
Annual and monthly memberships, joining fees, PT packages, class passes. Direct Debit for base, card for premium.
Class packs, monthly unlimited, workshops and retreats. Embedded checkout for your booking page.
Session-by-session, packages or ongoing retainers. MOTO for phone bookings, Pay by Bank for high-value programmes.
Subscribe-and-save boxes with skip, swap and pause. Customer portal removes cancellation-chasing.
Treatment packages, membership clubs, gift vouchers. Deposit-on-booking to reduce no-shows.
12-week transformations, membership sites, course sales. Tiered access, payment plans, smart retries.
The best UK gym payment system typically runs Direct Debit for low-cost memberships under £30/month (because the fixed fee is significantly cheaper than a card percentage) and card-on-file for premium tiers, PT packages and joining fees. Smart retry logic and a member self-serve portal are the two features that most reliably reduce involuntary churn. CC Payments provides both side-by-side as a managed service — one dashboard, one reconciliation, no switching fees between methods.
Direct Debit is usually cheaper for low-priced memberships (under ~£30/month) because it carries a fixed fee per transaction instead of a percentage — on a £25 membership, Direct Debit at 20p costs 0.8% while a card at 1.5% + 20p costs 2.3%. Card is better for premium tiers, annual paid-in-full memberships, joining fees, class packs and one-off bookings because it supports Apple/Google Pay, saved cards and higher conversion. CC Payments runs both simultaneously so you pick the cheaper method per plan.
Failed-payment churn is reduced by three things: intelligent retry timing (retrying on the day the card is most likely to succeed rather than immediately), friendly branded dunning emails that feel like they come from your gym rather than a collections company, and a self-serve portal where members can update their card before the payment fails in the first place. CC Payments ships all three — recovery rates on expired and declined cards are materially higher than legacy billing providers.
Yes. Members access a branded self-serve portal from your gym's website or app where they can update their payment method, swap plan, pause their membership or cancel — without emailing you. This dramatically reduces admin tickets and, counter-intuitively, reduces cancellations: members who feel stuck often cancel out of frustration, while members who can easily pause often return.
Yes. CC Payments integrates with most UK gym and studio management systems via our REST API and webhooks. Where possible, we can also migrate existing Direct Debit mandates without re-collecting signed instructions from your members, minimising disruption during a switch.
Yes. Class packs, drop-ins, workshops, retreats, corporate passes, day passes and gift vouchers are all supported alongside recurring memberships. Everything settles to the same bank, reports to the same dashboard, and tags against the same member record.
Care-plan subscriptions, treatment-plan Pay by Bank, booking-page checkout.
View solutions →Subscription boxes, WooCommerce/Magento/Shopify plugins, Apple & Google Pay.
View solutions →Retainer billing with Direct Debit or card, Xero/QuickBooks reconciliation.
View solutions →Live in 24 hours. We build the integration with your booking or gym-management system, migrate existing mandates where possible, and handle KYC end-to-end.