Payments & Billing

Gym billing software that collects itself

SEPA direct debit, Stripe card, cash, and PEPPOL e-invoicing on one ledger. Failed payments retry on a schedule you control, dunning runs without you touching it, and every cleared euro shows up in the dashboard the second it clears the bank. Built for Belgian, French, and Dutch gyms on a monthly, quarterly, or annual cycle.

3Payment Providers
SmartRetry Logic
Built-InSEPA Support

Monday morning shouldn't start with a bounce list

If you run the billing yourself, this is probably your week:

  • Every Monday you export the failed-SEPA and failed-card lists from two different dashboards and chase each one by hand
  • A member whose card expired three weeks ago walks up to the desk and learns about it from your receptionist, in front of the queue
  • Your accountant asks for a PEPPOL invoice for a corporate client and your current tool only exports PDFs, so you're copying lines into the government portal
  • The dashboard says you collected 48,200 EUR this month, the bank statement says 47,915, and nobody can explain the 285 EUR gap without an hour of matching

Shredeo closes all four loops. SEPA, card, cash, and PEPPOL post to the same ledger. Retries and dunning run on a schedule. Expired cards trigger a member email, not a front-desk conversation. Bank reconciliation happens continuously, not on the last day of the month.

S

Stripe

Cards & wallets

SE

SEPA

Direct debit

SU

SumUp

In-person

Recent TransactionsLast 24 hours
SK

Sarah K.

Monthly

€49.99paid
MJ

Marc J.

Quarterly

€89.99paid
LV

Laura V.

Drop-in

€12.00pending
TP

Thomas P.

Monthly

€49.99paid
ED

Emma D.

Monthly

€29.99failed

Key Benefits

SEPA, card, cash, PEPPOL on one ledger

Run SEPA direct debit for monthly memberships, Stripe card for drop-ins and day passes, manual cash or bank-transfer entry for the members who still prefer it, and PEPPOL e-invoices for your B2B corporate contracts. One reconciled view, not four tabs.

Failed payments recover on their own

When a SEPA debit bounces or a card expires, Shredeo runs an intelligent retry sequence, sends the dunning email in the member's language, and updates their status automatically. You review a short weekly list instead of a bounce file every Monday.

Pause, pro-rate, refund from one screen

A member freezes for six weeks before surgery. Another downgrades mid-cycle. A third requests a refund on a class they missed. Each is two clicks, pro-rated to the day, logged with a timestamp and a reason code. No spreadsheet math, no awkward back-and-forth.

How It Works

1

Connect Stripe, SEPA, and PEPPOL

Link your Stripe account, upload your SEPA creditor ID, and activate PEPPOL through our Belgian access point. Setup takes under an hour with our onboarding team, no developer involved, no middleware to install.

2

Model your plans once

Build monthly, quarterly, and annual tiers with trial periods, family discounts, corporate rates, and pause rules. Import your existing member list from Mindbody, BSport, Virtuagym, or a CSV. Mandates are re-authorised automatically where the law requires it.

3

Watch it run, approve the exceptions

Charges fire on schedule, invoices render as PDF and PEPPOL UBL, receipts email in the member's language. You see a daily reconciliation summary and a short list of exceptions that need a human decision. Everything else handles itself.

Payment workflows by business type

Recurring bootcamp membershipsSell packs, recurring plans and challenges without losing track of attendance or renewals.Gym billing softwareConnect memberships, invoices, SEPA, Stripe, access control and accounting exports.Martial arts membership billingManage levels, family memberships, class access and overdue payment follow-up.Class packs and membershipsSell workshops, class packs and recurring memberships for pole and dance studios.PushPress alternativeCompare billing, branded apps, add-ons and operations for CrossFit-style gyms.

Questions gym owners ask us about billing

SEPA or card for recurring memberships. Which should I use?+
For Belgian, French, and Dutch members on a monthly plan, SEPA direct debit is almost always the right default. The fees are flat and low (typically 0.25 to 0.35 EUR per debit versus 1.4 percent plus 0.25 EUR on Stripe cards in the EU), bounce rates are low when you collect the mandate correctly, and members don't churn because a card expired. We reserve Stripe card for drop-ins, day passes, merchandise, and members outside SEPA coverage. Shredeo lets you offer both on the same plan, the member picks at signup, and you reconcile both on the same ledger.
What happens when a payment fails?+
For SEPA, we wait 48 hours (bank settlement can be slow), then retry once. If that fails, the member gets an email in their language explaining which debit bounced and asking them to check the mandate or update the IBAN. After a second failure the retry pauses and the account moves to a short 'needs human attention' list you review weekly. For Stripe cards, we use Stripe's Smart Retries (which pick the statistically best time to retry based on the card issuer and bounce reason) then fall back to the same dunning sequence. The whole flow is configurable, you can change the delays, the email copy, and how many retries happen before a human is pulled in.
Do you support PEPPOL e-invoicing for Belgium?+
Yes. Belgium made structured electronic invoicing mandatory for B2B transactions from January 2026, using the PEPPOL network and the EN 16931 (Peppol BIS Billing 3.0) format. Shredeo generates a compliant UBL file for every B2B invoice, sends it through our certified PEPPOL access point, and keeps a human-readable PDF copy for your records. Your corporate clients receive the invoice directly in their accounting software. Gym-to-consumer invoices continue to work as regular PDFs, no PEPPOL required there.
What do you actually store about a member's card, and what stays with Stripe?+
Shredeo never touches raw card numbers. When a member enters their card, it goes directly from the browser to Stripe's servers through Stripe Elements, and Stripe returns a token. We store the token, the last four digits, the card brand, and the expiry. That keeps us out of the heavy PCI DSS scope (SAQ A). SEPA mandates are stored with the IBAN masked except for the last four digits, plus a signed mandate reference. All of it is encrypted at rest, access is logged per user, and the data stays in an EU region. GDPR subject access and erasure requests are one click in the member record.
I'm on Mindbody, BSport, Virtuagym, or Liberfit. Can I migrate without a gap?+
Yes, and we've done this migration specifically for all four. You export the member list, active subscriptions, and mandate references from your current tool, our team maps it to the Shredeo schema, and we do a dry-run import you can review before going live. SEPA mandates generally transfer as-is (the mandate is between the member and you, not between you and the software). Stripe customers move across with a single Stripe dashboard operation. Plan on 5 to 10 business days from the first call to cutover for a single-site gym, longer for multi-site. We keep the old tool active in parallel for one billing cycle so you can compare.
Refunds and chargebacks. What does the workflow look like?+
Refund: find the payment in the member record, click refund, enter full or partial amount and a reason code. The money moves back through Stripe or SEPA in 1 to 5 business days, the invoice is automatically annotated with a credit note (and a PEPPOL credit note for B2B), and the member gets an email confirming it. Chargeback on a Stripe card: you get a notification the moment Stripe flags it, with the suggested evidence (check-in logs, signed waiver, terms of service). You upload your response in Shredeo, we package it for Stripe, and you track the outcome in the same screen. SEPA reversals (refund requests from the member's bank within 8 weeks) work the same way, without the Stripe evidence step.

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