Payment Processing Built for Recurring-Revenue Businesses
Accept payments, manage recurring billing and understand what you are actually paying. FTG Payments helps personal trainers, fitness businesses and service companies find a processing setup that fits how they operate.
Human support. Straightforward disclosures. No guarantees of savings or approval.
- 20+ yrs
- Running a training business
- Free
- Statement review
- Real people
- Not just an app link
How much you run through cards each month
Total monthly fees divided by total monthly volume
This is an illustration, not a quote or an offer. It compares the rate you enter against a commonly seen effective-rate range and ignores per-transaction, monthly, and equipment fees. Actual pricing depends on card mix, how cards are entered, volume, business type, and underwriting. Savings are not guaranteed.
How much could better pricing be worth?
Move the sliders to see what your current effective rate works out to each month.
How much you run through cards each month
Total monthly fees divided by total monthly volume
This is an illustration, not a quote or an offer. It compares the rate you enter against a commonly seen effective-rate range and ignores per-transaction, monthly, and equipment fees. Actual pricing depends on card mix, how cards are entered, volume, business type, and underwriting. Savings are not guaranteed.
Built for businesses that bill packages, memberships, and appointments.
- Personal trainers
- Online coaches
- Gyms
- Boutique fitness studios
- Wellness businesses
- Salons & personal-care
- Contractors
- Professional-service businesses
- Other recurring-revenue or appointment-based businesses
Sound familiar?
Not every business is being overcharged. But most service businesses are running on setups that were never designed for how they actually operate.
- Unclear monthly statements you can't decode
- Unexpected processing fees showing up month after month
- Difficulty managing recurring billing across many clients
- Failed subscription payments with no clear recovery flow
- Support that never gets to a real person
- Equipment or software that doesn't fit how you actually collect money
- Payment systems built for retail — not services
- Difficulty collecting package or membership payments
- Confusion over pricing models (tiered vs. interchange-plus vs. flat)
- Outgrowing basic peer-to-peer apps but not sure what to move to
What FTG Payments can help with.
Card-present, card-not-present, keyed and online.
Weekly, four-week and monthly cycles for packages, memberships and subscriptions.
Recurring card billing with clear authorization and cancellation workflows.
Take payments on a phone or tablet at events, in-home sessions, or on the go.
Hosted checkout, invoicing, and payment links for online services.
Send an invoice, get paid by card — with reminders and receipts.
Key in a card by phone when a client asks to pay right now.
Send a URL, get paid. Useful for deposits and add-ons.
Hardware options where in-person checkout is part of the business.
A walk-through of the fees you're paying today and how the account is priced.
Match the processing setup to how you actually collect money.
Available features depend on the processor and program selected during underwriting.
A merchant-services partner that understands recurring-service businesses.
- Practical understanding of recurring-service businesses — packages, memberships, subscriptions, uneven cash flow.
- Direct experience running a personal-training company for over two decades.
- Human support: real conversations, not just an application link.
- Straightforward explanation of costs and pricing structure.
- Help matching the processing setup to the business model — not the other way around.
- Clear disclosures — FTG Payments is a merchant-services referral partner and may earn compensation on new accounts.
Simple, honest, five-step process.
- Step 1
Tell us about your business.
- Step 2
Submit a recent processing statement if you have one.
- Step 3
We review the current fees, billing structure, and business needs.
- Step 4
Discuss the available processing options and trade-offs.
- Step 5
Complete the application and setup process if there's a good fit.
Approval is not guaranteed. Pricing and terms depend on underwriting.
Already accepting payments? Let's look at your statement.
Submit a recent processing statement and we'll help you understand the pricing, fees, and structure. If another setup fits your business better, we'll explain the available options.
Merchant account approval is subject to underwriting. Rates and fees vary by business, volume, risk profile, and services selected. Savings are not guaranteed. FTG Payments is a merchant-services referral partner and is not a bank or card network.
Frequently asked questions.
+What is payment processing?
Payment processing is the service that lets your business accept credit and debit card payments — in person, online, or on recurring schedules — and settles those funds into your business bank account.
+How are processing fees calculated?
Fees depend on card type, how the card is entered (in-person vs. keyed-in vs. online), monthly volume, business type, risk profile, and the pricing model used (interchange-plus, tiered, or flat). A statement review helps show how your account is priced today.
+Can you support recurring billing?
Yes. Recurring card billing, memberships, and subscription payments are one of our focus areas — especially for trainers and studios with weekly, four-week, or monthly billing cycles.
+Do you work only with personal trainers?
No. Personal trainers and fitness businesses are our primary niche, but we work with a wide range of service businesses that need card processing, recurring billing, or invoicing.
+Can I keep my existing business bank account?
In most cases, yes. Merchant accounts settle into the business bank account you already use. Underwriting will confirm eligibility.
+Can you review my current processing statement?
Yes — that's the point of the free statement review. We help you understand pricing, fees, and structure so you can make an informed decision.
+Do you guarantee lower rates?
No. Anyone who guarantees a specific rate before seeing your business and statement isn't being straight with you. Pricing depends on your volume, risk profile, card mix, and business type.
+How long does account approval take?
Approval times vary based on business type, documentation, and underwriting. We'll set clear expectations after your statement review.