Card payments: How to use debit or credit cards

Updated: November 3, 2025

Overview

Debit and credit cards are two of the five payment methods available in MyStudio, along with cash, check, and ACH (direct bank payments). Cards are the default payment method and most flexible of the payment options, allowing customers to make payments automatically through online registrations, the member app, or in person.

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Staff access:

• Admin: Full access

• Manager:

  • Does not have access to change payment options for registrations.

  • Has access to change a member’s payment method for an existing registration.

• Staff: No access

MyStudio plan restrictions:

Processing fees (shown to customers as Admin Fees) vary based on your MyStudio plan and the payment method used.

For more information, see the FAQ: Where can I find my processing fee (admin fee) rates?

 

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How to set up debit and credit cards as a payment option

Debit and credit cards are automatically enabled as a payment method in MyStudio.

To confirm:

1. Go to Operations > Point of Sale > Settings.

2. You will see that credit cards are selected by default.

Cards are required as an option as part of MyStudio’s payment structure and cannot be removed.

 

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How customers pay with a debit or credit card

• During registration, new customers enter their card details to complete checkout.

 

• Returning customers can use the existing card saved to their profile.

  

 

• Debit and credit card transactions include a processing fee (displayed to customers as Admin Fee at checkout).

  • Depending on your settings, this fee may be passed on to the customer or absorbed by your business.

 

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How to apply a debit or credit card payment

For upcoming payments:

Debit and credit cards cannot be manually applied to upcoming payments within a registration profile. 

Future scheduled payments will automatically process using the card on file on the scheduled date.

For past due payments:

You can manually re-run a debit or credit card payment using the current card on file.

1. Go to Payments > Past Due.

   
   
   

2. Click on the customer’s name to open the payment section on their registration page.

3. From the Past Due drop down, select the payment you want to process.

   
   
   

4. After clicking on the payment, there are two options:

   • Re-run payment: Re-applies the payment using the card already on file.

   • Apply credit: Allows you to enter a new card number to use for this single payment.

 

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Viewing debit and credit card payment totals

All debit and credit card payments are grouped together under “CC net” in the Payment History section. 

To view totals a specific date range:

1. Go to Payments > Payment History.
   
   
   
   
2. Use the date filters to select your desired range.
3. The CC total displayed above the table includes all debit and credit card payments combined.

 

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Adding a Card

Customers can add new debit and credit cards through the member app:

1. Open the app and tap the three lines (top right on desktop; button right on mobile.

   

2. Go to My Account > Primary Payment Method.

   
   
   

3. Click “Add Card Payment”.

Once added:

• The card becomes the primary payment method.

• It appears automatically under their Primary Customer profile.

 

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Updating a card

For the studio to assist:

1. Go to All Customers > Primary Customers > select the customer.

   

2. View “Payment Method” at the top of the screen.

3. Under credit card details, there will be the card type, the last 4 digits of the card, and the expiration date.

4. You can press the "trash can" icon to delete the card or click "add new card" to add a new card on file.

 

Customers can update their debit and credit cards through the member app:

1. Open the app and tap the three lines (top right on desktop; button right on mobile).

   

2. Go to My Account > Primary Payment Method.

   

3. Click “Payment Options” and they will have the option to update their card on file.

 

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Updating a registration payment method

To update the card used for a registration:

1. Go to All Customers > Participant > Program > click on the participant.

   

2. Click the pencil icon next to the Payment Method.

   

3. Select an existing card or add a new one.

Alternatively, click “send link for user update payment method” to send an update link to the member via email.

 

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Updating from the member app

Members can also update their existing card directly in the app:

1. Go to My Account > Primary Payment Method.

   
   
   

2. Under their current card, tap Payment Options > Update Card.

   
   
   

3. Enter the new card details.

   

To apply this new card to active registrations:

1. Tap Payment Options again.

2. Select Apply to Current Billing Schedules.

3. Choose which registrations should use the updated card.

If a member’s payment fails (for example, due to an expired or invalid card), they will be prompted to update their information the next time they log in.

 

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Why are debit and credit cards the default payment method in MyStudio?

Debit and credit cards are the default payment methods in MyStudio because they enable automatic billing, online transactions, and app-based payments. This ensures a seamless and secure payment experience for both businesses and customers.

 

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Are there admin fees or processing fees for card payments?

Yes. All debit and credit card transactions include a small fee. In your MyStudio system, these are called processing fees, but customers will see them labeled as “admin fees” during checkout.

These fees depend on your MyStudio plan and can either be absorbed by your business or passed on to customers.

 

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Where can I find my processing fee (admin fee) rates?

To find your current processing fee (admin fee) rates:

1. Go to your My Account section.

   
   
   

2. Under Planning and Billing, click on the green text “Compare plans.”

   
   
   

3. At the top, you will see your current plan, the billing rate for your plan, and the process fee rates.

   
   
   

 

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How do I know if my processing fees (admin fees) are absorbed by the business or passed on to customers?

By default, processing fees are set to be passed on to customers.

To check or adjust how your membership processing fees are handled:

1. Go to Services and Products > Memberships > Settings.

   
   
   

2. Review the Processing Fees section to see whether your fees are absorbed by your business or passed on to customers.

 

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What is Strong Customer Authentication (SCA) and how does it affect debit and credit card transactions?

Strong Customer Authentication (SCA) is a security requirement under the European Union’s Payment Services Directive. It helps reduce fraud by requiring customers to verify their identity during transactions. While SCA is not required in the United States, some banks or customers may still opt-in to use it.

 

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What happens if a customer disputes a debit or credit card charge?

If a customer disputes a charge (also known as a chargeback), it will appear in the disputes section under your Payments section.

You can review the details of the dispute and respond accordingly to Stripe’s instructions.

 

 

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