How to view and pay outstanding Finion debts in the Member App

In this article, you will learn how members can view and pay their outstanding debts managed by Finion Financial Services in the Member App, including the difference between Finion Capital and Finion FairPay.

Contents

• What are Finion Financial Services Debts?
• Prerequisites
• Paying open and upcoming payments early
• Accessing the Finion Debt Overview
• Managing Finion Capital Debts
• Managing Finion FairPay Debts
• Frequently Asked Questions

Fast Lane

1. Ensure your studio uses MemberCash and membership is managed via the Member App.
2. Open the Self-Service / Account / Open Payments section in the app.
3. Tap on the "Amount Due to Finion" tile (visible only if there are open debts with Finion Capital or Finion FairPay).
4. Depending on the status, you will see either:
   • Finion Capital: Options for bank transfer or direct debit re-authorization.
   • Finion FairPay: Link to the FairPay service portal for collections cases.
5. Follow the displayed payment instructions or contact support if you have questions.

What are Finion Financial Services Debts?

These are outstanding debts managed by Finion Capital (direct debit payment processor) or Finion FairPay (debt collections partner). They differ from direct studio charges and are centrally displayed in the Member App when:

• A direct debit could not be collected (Finion Capital).
• The charge was transferred to FairPay after two failed payment attempts (debt collections status).

Prerequisites

The feature is automatically enabled for:

• Studios in Germany and Austria.
• Customers using MemberCash (payment processing) and the active Member App.
• Members using the Member App.

Note: A tile for Finion Capital or FairPay will only appear if the member has unpaid debt claims.

Paying open and upcoming payments early

Members can settle their open (overdue) and upcoming payments to the studio ahead of the scheduled collection date, directly in the Member App. Overdue and future payments can be selected and paid together in a single transaction.

This flow is available in all countries, provided the Member App and Finion Pay are active for the studio. There is no country-specific restriction. The Germany and Austria restriction mentioned above applies only to the Finion collections flow (Finion Capital and Finion FairPay), not to early payment.

Open Self-Service / Account / Open Payments and tap "Amount Due to the Studio". From there, two entry points lead to the "Select payments" screen:

On the "Select payments" screen, overdue items appear at the top and are highlighted, followed by upcoming payments grouped by month. The member selects any combination of overdue and future payments. The running total ("Total") is shown at the bottom. Once at least one payment is selected, "Continue to payment" appears.

"Continue to payment" opens the payment overlay with the total and the list of selected payments. The member completes the payment using their preferred method, for example credit card, PayPal or SEPA direct debit. After a successful payment, a confirmation ("Payment successful") shows the amount and the number of settled payments. "Back to payments" returns to the overview, where the paid entries are now marked as paid.

Good to know:

• No double charge: a payment settled early is not collected again on the next scheduled collection date.
• Full amount only: each item is always paid in full. Partial payment of a single item is not possible.
• No bulk payment: there is no option to pay all upcoming payments at once. Each payment is selected individually.
• Upcoming renewal payments can also be settled early as soon as they appear as an upcoming payment in the payment overview.

Accessing the Finion Debt Overview

1. Open the app (or web view) and navigate to: Self-Service / Account / Open Payments.
2. Among the tiles, you will find:
   • "Amount Due to the Studio" (direct studio debts).
   • "Amount Due to Finion Capital" (visible only if there are open Finion Capital debts).
   • "Amount Due to Finion FairPay" (visible only if there are open Finion FairPay debts).
3. Tap on the relevant Finion tile to view details.

Managing Finion Capital Debts

If the debt is still with Finion Capital, the member will see the following information:

• Total Amount: Sum of all open items.
• Returned Direct Debits: List with amount and date.
• Fees/Costs and any payments already made.
• Finion Capital Reference Number (for bank transfers).
• Last Contact: Date/time of the last reminder (e.g., via email).

Payment Options

The member can choose between:

1. Bank Transfer:
   • Tap on "Show Transfer Details".
   • Copy the IBAN and the Reference Number (use as payment reference!).
   • Complete the transfer using the displayed details.
2. Direct Debit Re-authorization:
   • Tap on "Open Customer Portal" (redirects to the Finion Capital Customer Portal).
   • Note: Here, the member can only update the payment method (e.g., provide a new mandate), not make direct payments.

Managing Finion FairPay Debts

Once the charge has gone to collection status, the view changes:

• Note: A new tile informs that the charge is now with FairPay.
• FairPay Reference Number (replaces the Finion Capital reference number).
• Payment Option: Only the "Open Service Portal" button (redirects to the FairPay Service Portal).

Important:

• Payments are exclusively possible through FairPay, no longer through Finion Capital.

Frequently Asked Questions

Why does the member see different Finion tiles?

The "Amount Due to Finion Capital" or "Amount Due to Finion FairPay" tile appears only if there are open debts. The "Amount Due to the Studio" tile shows direct studio debts (e.g., membership fees). Both are managed separately.

Can the member switch between Finion Capital and FairPay?

No. The switch happens automatically:

• As long as the charge is with Finion Capital, the member sees the Capital options.
• After two failed payment attempts, the charge is transferred to FairPay, and from then on only the FairPay options are visible.

How often are the amounts updated?

The data is reloaded each time the view is opened. After visiting the Finion or FairPay portal (e.g., after making a payment), the member should restart the Member App. However, there may be delays in the display.

What happens when all amounts are settled?

Once the total amount is at €0, the Finion options will no longer be displayed.