Understanding Your GymPoint Processing Rates
GymPoint's two simple payment processing rates, a worked per-transaction example, what's never charged, and how card-present differs from card-not-present.
Last updated: 07/07/2026
Overview
GymPoint payment processing is intentionally simple: two per-transaction rates and nothing else. There are no monthly fees, PCI fees, statement fees, or hardware fees — the rate you see is the entire cost. This article explains the two rates, shows how a charge is calculated, and lists exactly what is (and isn't) included.
The two rates
| Payment type | Rate | When it applies |
|---|---|---|
| Card-present | 2.49% + 20¢ | Payments taken in person on your Poynt terminal — tap, dip (chip), or swipe. |
| Card-not-present | 3.49% + 20¢ | Online payments, card-on-file recurring billing, and manually keyed transactions. |
The same rate applies to every major card brand — Visa, Mastercard, American Express, and Discover.
How a transaction is calculated
Each charge is the percentage of the sale plus a flat 20¢ per-transaction fee.
Example — a $75 membership charged to a card on file (card-not-present):
- Percentage: 3.49% × $75.00 = $2.62
- Per-transaction fee: $0.20
- Total processing cost: $2.82 (you net $72.18)
Example — a $40 retail sale tapped at the front desk (card-present):
- Percentage: 2.49% × $40.00 = $1.00
- Per-transaction fee: $0.20
- Total processing cost: $1.20 (you net $38.80)
What's included — and what's never charged
The rate above is all you pay. GymPoint does not charge any of the fees common with traditional processors:
- No monthly fees
- No annual fees
- No setup fees
- No PCI compliance (or non-compliance) fees
- No hardware fees
- No statement fees
- No reporting fees
- No hidden fees
Every GymPoint plan also includes a free Poynt smart terminal, pre-loaded with the GymPoint app and ready to process out of the box — no lease and no purchase. See Setting Up Poynt Payment Processing to get your terminal connected.
Why card-present is lower than card-not-present
Card-present transactions (2.49% + 20¢) carry less fraud risk because the physical card is verified at your terminal, so they're processed at the lower rate. Card-not-present transactions (3.49% + 20¢) — online, saved-card, and keyed payments — cost more to process industry-wide because the card isn't physically present to verify, which is reflected in the higher rate.
To keep more members on the lower card-present rate, a member can simply tap their card on the Poynt once to save it to their profile. From then on their recurring dues run automatically, and any in-person purchase is a single tap.
Learn more
For the full breakdown — including the free terminal and how processing is built into the platform — see the Payment Processing Rates page.