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How To Set Up EFT In Your Personal Training Business

eftptpowerI hope you’re doing great!

Since I got over fifty comments on the “What Can I Do For You?” blog post…

and since you guys came up with some AWESOME topics for me to write about…

and since 2010 is going to be an epic year for your personal training business and I want to help make that happen – here’s what I’m gonna do.

I’m gonna spend the next few blog posts answering your questions.

And since I got a bunch of comments asking about how to set up Electronic Fund Transfer (Auto Debit or EFT) I’m gonna cover that first.

You already know that EFT is probably the fastest and easiest way to automate a BIG portion of your personal training or boot camp business, right?

I mean, did you really get into the personal training business to be a check chaser each month?

AND it’s the best way I know to stabilize your business and make your monthly income consistent and reliable because once you set up EFT in your business you don’t have to sell single sessions, or blocks or session at a time and then try to re-sell the client all over when her sessions are done.

I don’t know about you, but when I started my personal training studios I didn’t want to resell each client over and over again or risk losing them when they ran out of sessions.

And if you run boot camps the old fashion way – four or six weeks on and then two weeks off… sorry, but that’s probably one of the stupidest business models EVER – I mean EVER!

(The exception being specific time based programs that are designed to funnel clients into an EFT based recurring program like my 21 Day Rapid Fat Loss Program, or the six week body transformation programs that roll into an EFT based program like some of my mastermind clients are running and absolutely destroying it.)

Here’s how to set up EFT for your fitness business.

optionsStep One: If you do one-one-one training sessions – stop selling single or small blocks of 10, 15, or 20 sessions at time. Instead create results oriented programs based on time.

For example, you might have a six and twelve month program. Each program would offer a one, two, three, or four time a week training options. (I talk more about pricing options and how to set up your program prices for maximum profits in my PT Business Course.

Step Two: You can set up a recurring billing system two ways. If you have a gym or studio and want to manage multiple trainers, clients, and run EFT I suggest that you go with

My buddy Larry King owns GetShape and several of my high level coaching and mastermind clients use it and love it.

You’re other option for setting up and running EFT – and this works best if you are a one man or woman show or run a boot camp – is the and combo.

Basically this combo is used to accept payments online from your site. You can simply create different recurring monthly price points in the system and then get it up on your personal training or boot camp sales site and your good to go.

Once a client (or you, on behalf of your client) makes the purchase from your site they are committing to $X dollars per month, to be billed on a recurring basis every 30-days.

You can set up the 1shopping cart and GetShape solutions to bill someone for a period of time, like six or 12 months and then stop. Or set it up to bill the client on a recurring basis until the clients decides they’re done training – this is how I would set up my boot camp if I were you… no stop date.


Step Three: The right agreement is key. It doesn’t matter if your agreement is online or in paper it’s got to cover the details of the program.

For example, your agreement (or contract) needs to over the length of time the program is for, how the client can cancel if they want to do so, the terms of the payment, billing dates (if you’re gonna use specific billing dates) and a bunch of other legal mumbo jumbo that will keep your butt out of hot water if you don’t craft your service agreement appropriately.

If you’re not sure about the contract you’re using I highly suggest that you pick up the PT Business Course because in it I give you my actual service agreement that cost me over $7,000 in attorney fees to have crafted. It’s battle hardened in virtually every state (though I high suggest that make sure it’s kosher to use in your state before putting it into action).

Is EFT perfect?

Nope, but it’s pretty darn close and it’s the only way I ran my business and the only way my most successful, seven figure generating coaching clients run theirs.

I hope this post made it easier for you to understand EFT and how to set it up.

If I missed something… or if you have a question about EFT that I didn’t answer here just leave it in the comment box below and I’ll be sure to answer all your questions.

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  • Lynn

    I check 1shoppingcart and they want $35 to $99 per month. To me that is expensive. Which option should I chose if I go with 1shoppingcart? Do I need the Professional option of the lesser one?

  • White Rock Bootcamp

    Hey Lynn,
    I would go with the $35 option if you are just looking for a way to collect eft, you can always upgrade to the basic or professional down the line if you find you want to use it for email campaigns or autoresponding. You then have to get a merchant account with, internetsecure, e-online data, etc. So you will be looking at approximately $60 + transaction fees /month. Think big picture, if this amount is going to affect your business you need to charge more or hit the pavement and market harder.

    Bedros you rock!

  • kane

    hi guys can some1 help please im currently running a bootcamp and using a refferal system with every refferal = 50% and so on…

    so my question is how do you go about eft when their payments are going to be differant every month if they reffer some1..

    please help as we gettting a lot of cash, and finding it difficult to manage!

    do you take money up fromt first? not sure how to go about it or will can i change eft payment with a click of the button on eft..confused…….

    many thanks


  • Manchester Personal Trainer

    Hi Kane, I had that same problem but I am just accepting only eft payments, no cash. You could try giving them a refund or pausing their payment for 2 weeks. Or give them cash back in their hand?


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  • Jennie

    Hey everybody,
    do I get this right: If I don’t want to accept payments online I don’t need 1shoppingcart or something like this? I only would need a merchant account? Is there a reason why I shouldn’t ask my bank for a merchant account?
    BTW: Could I run into any trouble opening a merchant account? I don’t have a credit history and no credit score because I just moved to the states a few months ago.

    Thanks for your help!


  • luis


    Good question here! What to do when the client change the card or he/she cancel the bank acount and don’t want to pay anymore and they disapeare or they don’t answer phone calls or emails?

    Thanks Bedors

    Sincerely Luis

  • Alicia


    right now I have “shared” internet access and don’t want to jeopardize my clients CC#s by using an internet source of EFT but am extremely limited on funds for EFT equipment until I get my business fired up.

    What are your suggestions? Many thanks!!

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  • Steve Donan

    Emery client has a different bill every month, because one month is 30, the other one’s 31 days! Plus they travel, they go on vacation… it’s not that easy!

  • Joshua wolfe

    I use Merchant warehouse gateway eft and pretty happy with it.

  • Joseph kurosky

    Hey Bedros

    Say I’m running a bootcamp, so if I have no stop date on monthly EFT payments, does that mean they can leave at any point well before the 6 or 12 month contract expires?

  • Bedros

    @Joseph, if you have people on a 6 or 12 month agreement then that’s how long they are committed to say. However if the agreement says that after the 6 or 12 month term they will go to on-going recurring billing them you’re in even a better place since you never have to re-sell that client ever again.


  • Amber Clarke

    Thank you. This info was very helpful. A little confusing, as I’ve just started working my business from a professional aspect. Have worked it for nearly 4 yrs. on a “hobby” basis, but now moving toward more business-oriented strategies. Just trying to learn all I can about the business aspect. Would love some more info. Thank you.

  • Sandra Possing

    We have been using Mindbody for about a year and it’s fantastic. Highly recommend it.

  • Aussie Rob

    Hi Bedros

    Loving your work BTW. My PT business turns over between 1750-2000 hours a month solely on a package sale system. I would like to integrate EFT in the mix but I have been burned before with ‘owing’ clients sessions. Many of our clients travel regularly and even with constant tracking we found that we were owing many clients sessions at the expiry of their contracts.

    What do you suggest is the best mechanism of minimising this problem? Is it as easy as… miss a session and lose a session?? Don’t know how well that will go down! :)


  • MrWill

    Great info,
    I am currently working to moving totally on from the gym I work at and going full throttle with me own training business…So any pointer you give I’m all ears!

  • TDS

    Hi Callie,
    Just browsing through all the info and noticed that most of these replies are 3-4 years old. I would like to know how EFT worked for you and what I can expect. I am a Zumba instructor and am incorporating Bootcamp workshops , nutrition guidance and Lifestrategies coaching as part of my health and fitness program.
    Im already set up for EFT but still uncertain… can you let me know if this is still working for you after 4 years?
    Thanks again!

  • TDS

    How is your business still going with all of the tips and information you receive from PT POWER?

  • TDS

    Hi Bedros!
    I am looking through all of the information to help me with the EFT program I currently set up through my bank. My goal is to have all of my students on it by the end of February. I am a Zumba instructor and currently rent space at a community center 4x a week. I have no overhead except rent per head with a cap of no more than $50 a night ever. So the most I would ever pay them a day is $50. I am incorporating Bootcamp 3-4x a week for 30 minutes before Zumba class. Then 30-45 min of yoga after free.
    Zumba is $5 a class on the 10 class and 5 class punchcards. Otherwise its $8 drop in rate.
    I want to give a better deal to them by charging $55 a month for unlimited ZUMBA and an additional $30 a week for bootcamp per month. I want to do away with punchcards all together to be quite honest with you. But I am afraid of losing half of my people. Feeling skittish…
    I have made it appealing with giving greater discounts and less costs with the bootcamps. If they don’t want to do EFT then Bootcamp is $50 a week… your thoughts?
    Thank you again!

  • Alex Thorn

    I currently use Mindbody to keep track of eft and metrics and scheduling in general. love it :)

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  • Fluro Fitness Sydney

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