Payment Gateways & Methods

Finance & POS

What it does

Memvera is gateway-agnostic — you connect one or more payment providers per gym and Memvera routes charges through them. You decide which methods members see online versus what the cashier can accept at the till, manage members' stored cards and the wallet, and handle refunds and failed recurring charges (dunning) from one place. Provider keys are stored encrypted per brand, so each gym keeps its own merchant accounts.

Key concepts

• Gateway — a connected payment provider. Memvera supports Tap (cards, 3-D Secure, hosted payment page), Tabby and Tamara (Buy-Now-Pay-Later), and Nearpay (tap-to-phone SoftPOS terminal — no separate card machine).
• Online methods vs POS tender — online methods are what members see in the app/website; POS tender config is what the cashier is allowed to accept. They're set separately.
• Stored card — a member's tokenised card. A member can keep a primary plus a backup; recurring charges auto-fall back to the backup if the primary fails.
• Wallet — member store credit. It can be used as a tender and is a destination for refunds.
• Dunning — when a recurring charge fails, Memvera retries it on a schedule within a grace window before the membership lapses.
• Refund — returning money to the original method or to the member's wallet.

Main tasks

Connect a payment gateway

1. Go to Settings → Payment Gateways (admin/brand level).
2. Choose a provider — Tap, Tabby, Tamara, or Nearpay — and enter its API keys.
3. Keys are stored encrypted for your brand. Test in test mode, then switch to live.
4. Enable the gateway so it becomes available to the relevant methods.

Choose online vs POS payment methods

1. Open Online payment methods to set what members see (cards, BNPL, wallet, …).
2. Open POS tender config to set what the cashier can accept at each gym.
3. Save each separately — a method enabled online isn't automatically a till tender.

Manage stored cards & the wallet

1. Open the member's payment methods.
2. Set a primary card and add a backup; recurring charges fall back automatically.
3. View or adjust the wallet balance; store credit here can pay sales or receive refunds.

Issue a refund

1. Open the original sale or invoice and choose Refund.
2. Pick the amount (full or partial) and the destination — original method or wallet.
3. Confirm. The refund is processed through the gateway or credited to the wallet.

Tips

TIP

Keep a backup card on members with recurring billing. If the primary fails, the backup is charged automatically and dunning never has to kick in.

INFO

Online methods and POS tenders are configured separately on purpose — a method members use online (e.g. BNPL) doesn't have to be available at the till, and vice versa.

Related modules

Cashier / POS · Finance & Payments · Reception / POS · Membership Management