The Payment Complexity Challenge

A typical martial arts school collects revenue from at least five different sources: monthly membership fees, pay-per-session or class pack deductions, grading examination fees, equipment and uniform sales, and one-off charges for seminars, courses, or competitions. Add family discounts, promotional rates, student concessions, and the occasional membership freeze, and you have a payment landscape that is significantly more complex than a standard children's activity class.

When these payments are managed manually, things go wrong. Grading fees are forgotten, failed direct debits are not chased, family discounts are applied inconsistently, and the school owner spends hours each week on administrative tasks that add no value to the business. Automating payment collection is not a luxury for martial arts schools; it is a necessity for any school with more than 50 members.

This guide covers how to automate each payment type and build a system that collects revenue reliably while minimising your administrative workload.

Monthly Memberships and Direct Debit

Setting Up Automated Monthly Collection

Monthly direct debit is the backbone of martial arts school revenue. The predictable, recurring income allows you to plan ahead, pay rent and instructors confidently, and invest in growing the business. Setting up automated collection requires a payment processor that supports recurring payments. In the UK, the main options are GoCardless for direct debit collection, Stripe for card-based recurring payments, or a management platform like AMES that integrates with these processors and handles the full membership lifecycle.

Membership Tiers

Most martial arts schools benefit from a tiered membership structure:

Starter / Once-a-week: £30 to £45 per month. Suitable for beginners or casual students. Access to one session per week.
Standard / Twice-a-week: £45 to £65 per month. The core membership for regular students training twice weekly.
Premium / Unlimited: £65 to £100 per month. Access to all sessions. Popular with serious students training 3 or more times per week and those studying multiple disciplines.
Family membership: Typically the primary member at full price, second family member at 85% to 90%, third and subsequent at 75% to 80%. The family discount should be calculated and applied automatically by your system.

Managing Price Changes

Annual price increases are a reality of running any business. Automated systems allow you to schedule a price change across all memberships from a specific date, giving you time to notify members in advance (a minimum of 30 days' notice is standard practice and often a contractual requirement). Your system should generate the notification, apply the change on the specified date, and update all future payment collections automatically.

Pay-Per-Session and Class Pack Automation

Automating Drop-In Payments

For students who pay per session, the ideal system captures payment at the point of booking rather than at the door. Online booking with card payment removes the need for cash handling, eliminates the risk of students attending without paying, and creates an accurate attendance record. When a pay-per-session student books a class through your platform, the payment is taken immediately and the booking is confirmed. If they cancel within your notice period, a credit is issued or a refund processed automatically.

Class Pack Credit Management

Class packs require a credit management system. When a student purchases a 10-session pack, 10 credits are added to their account. Each time they attend a session (verified by check-in), one credit is deducted. The system should display the remaining balance to the student through their portal, send a notification when credits are running low (e.g., 2 remaining), and prompt them to purchase a new pack. Expiry dates on class packs should be enforced automatically, with a notification sent before expiry giving the student a chance to use remaining credits.

The key principle of payment automation is this: every payment type should be collected without the school owner or administrator having to remember, chase, or manually process anything. The system handles collection; you handle teaching.

Grading Fees and One-Off Charges

Automating Grading Fee Collection

Grading fees should be collected as part of the grading registration workflow. When a student is confirmed as eligible for grading (see the Belt and Grading Administration article in this series), the parent receives a notification with the grading details and fee. They confirm participation and pay the fee online. The system updates the grading register automatically. No manual fee tracking is required.

Equipment and Uniform Sales

Many martial arts schools sell gis (training uniforms), belts, protective equipment, and branded merchandise. If your management platform supports a simple point-of-sale function, these sales can be processed through the same system as membership payments, giving you a single view of all revenue per student. Alternatively, offer an online shop through your website where parents can purchase equipment and collect it at the next training session.

Seminar and Course Fees

Special events such as guest instructor seminars, self-defence courses, or competition entry fees should be listed as bookable events in your system. Set the capacity, price, and booking deadline, and allow students to book and pay online. This is far more efficient than collecting cash on the day and hoping everyone who said they would attend actually turns up.

Failed Payment Recovery

Failed payments are inevitable. Cards expire, bank accounts have insufficient funds, and direct debits are occasionally cancelled by mistake. The way you handle failed payments significantly affects your revenue and your relationship with members.

Automated Retry and Notification

First failed attempt: Retry automatically after 3 days. Send the member a polite notification explaining that their payment could not be collected and asking them to update their payment details.
Second failed attempt: Retry after a further 5 days. Send a follow-up notification with a direct link to update their payment method.
Third failed attempt: Flag the member for manual follow-up. At this point, a personal message from the school (not an automated template) is most effective.

Automated retry recovers a significant proportion of failed payments without any manual intervention. Most failures are due to expired cards or temporary insufficient funds, both of which resolve with a simple retry.

Suspension and Reinstatement

If a member's payment remains uncollected after the retry sequence, your policy should specify what happens next. Common approaches include suspending the member's access (preventing them from booking sessions) until the outstanding balance is cleared, or placing the account on hold and contacting the member to discuss the situation. Whichever approach you take, ensure it is documented in your terms and conditions and applied consistently.

Key Takeaways

Use direct debit or recurring card payments for all monthly memberships, with tiered pricing to suit different training frequencies.
Collect pay-per-session fees at booking, not at the door, and manage class pack credits with automated deductions and low-balance notifications.
Integrate grading fee collection into the grading registration workflow so fees are paid at the point of confirmation.
Automate failed payment retry with 3-day and 5-day intervals, followed by personal follow-up for persistent failures.
Apply family and multi-discipline discounts automatically to avoid inconsistencies and manual calculation errors.
Schedule price changes in advance with automated member notifications and automatic application across all affected memberships.