Verzögerter Geldeingang durch langsame Abrechnung und Auszahlungen

Definition

Recurring billing providers for gyms disclose the typical delay between direct debit collection and settlement to the merchant. Ezypay explains that for monthly distributions, funds collected throughout the month are transferred into the business account three business days into the following month, while weekly distributions are settled the following Wednesday.[2] This inherently delays cash inflows relative to the debit date. For businesses still using traditional bank direct debits with additional internal approval and manual reconciliation steps, these delays can extend further. The result is that several days’ worth of membership revenue remains in transit at any time, increasing overdraft utilisation or limiting the ability to pay suppliers and wages. For a gym with 1,000 members paying AUD 80/month (~AUD 80,000 monthly revenue), an average 3‑day settlement delay implies around AUD 8,000 in cash tied up; for 7 days of effective delay (including internal batching and manual checks), this can exceed AUD 18,000. Across the year this behaves like a permanent working‑capital requirement of roughly AUD 30,000–70,000, often financed through overdrafts at interest rates of 8–14% p.a.

Why This Matters

The Pitch: Australian wellness operators leave 3–7 days of revenue tied up in payment cycles. Optimised settlement schedules and integrated billing can free up AUD 30,000–70,000 in working capital per 1,000 members.

Affected Stakeholders

Business owners, CFOs/finance managers (for chains), Bookkeepers, Franchise support/treasury teams

Related Business Risks