Set up partial collection for membership dues
The Partial Collection feature in Zenoti recovers part of a membership due when a guest's bank account cannot cover the full invoice. Zenoti checks the available balance before it debits the account. If the full amount is not available, Zenoti collects what is available and keeps the invoice open. Zenoti recovers the remaining balance in later collection cycles.
Zenoti collects scheduled membership payments automatically through Direct Debit (ACH) and cards. Zenoti retries failed attempts on a configured schedule. Until now, every attempt collected the full invoice amount. If the bank account held less than the invoice total, the attempt failed. This happened even when most of the amount was available.
With Partial Collection, a full payment failure becomes a partial success. Guests stay closer to good standing. Dues age more slowly. Fewer invoices need manual follow-up from front desk staff.
Note
Partial Collection is available only to centers that process ACH through Adyen. It applies only to Insta Verified bank accounts. Cards and standard-verified ACH accounts continue with full-amount collection. Partial Collection is configured at the organization level.
Insta Verified accounts
When a guest adds a bank account to their profile, Zenoti verifies it in one of two ways. Partial Collection works only for Insta Verified accounts.
Verification type | Description |
|---|---|
Insta Verified | Zenoti verifies the account automatically in real time. No test deposits are needed. Zenoti shows the Insta Verified tag on these saved accounts. Front desk staff can identify them at a glance. Partial Collection works only for these accounts. |
Standard verified | The guest verifies the account manually. The guest confirms two small micro-deposits. These accounts carry no tag. They continue with the normal full-charge attempt. |
Partial collection workflow
Once Partial Collection is enabled and a minimum collectable amount is set, Zenoti handles each payment run automatically.
Zenoti checks eligibility. Zenoti confirms the payment method is an Insta Verified ACH account. Zenoti confirms Partial Collection is enabled with a minimum collectable amount. If any condition is not met, the attempt proceeds as a standard full-amount charge.
Zenoti retrieves the available balance on the guest's bank account before it debits.
Zenoti determines the collectable amount. Zenoti compares the balance against the invoice amount and the configured minimum. Zenoti then acts as described in the table below.
Zenoti updates the invoice and notifies the guest. The invoice reflects the collected amount. Zenoti recalculates the outstanding balance. The guest receives a partial-success notification. The invoice stays open until it reaches $0.
Available balance | What Zenoti does |
|---|---|
Covers the full invoice | Zenoti attempts the full charge, as it does today. |
Less than the invoice, at or above the minimum collectable amount | Zenoti attempts a partial charge for the available amount. The invoice stays open for the remainder. |
Below the minimum collectable amount | Zenoti makes no debit. Zenoti records the attempt as insufficient balance. The attempt follows the existing retry behavior. |
Automatic retries
The retry schedule, intervals, and maximum attempts configured for your center do not change. The amount each retry targets does change.
The first attempt always requests the full invoice amount.
The second attempt onward requests only the outstanding balance. The outstanding balance is the original invoice amount minus everything collected so far. A retry never requests the original amount again.
Collected amounts are final. No retry reverses, modifies, or reprocesses a partial payment that already succeeded.
Small remainders collapse to a single charge. When the outstanding balance falls below the minimum collectable amount, the next attempt requests the exact remaining balance as a standard full-amount charge. This charge either succeeds in one debit or fails.
After the last retry, if a balance remains, the invoice stays open. It remains available for manual collection.
Retry scenario
A $100 invoice runs against an account that holds $60. The center has a $10 minimum configured. In the first attempt, Zenoti collects $60. The guest is notified. In the second attempt, Zenoti requests the $40 outstanding. If $25 is available, Zenoti collects $25. In the third attempt, Zenoti requests the remaining $15. If the remaining balance later falls below the minimum, Zenoti requests the exact remainder in one standard charge.
Configure partial collection
At the organization level, go to Configuration.
Open the ACH payment settings.
Select the center you want to configure.
Turn on Enable Partial Collection.
In Minimum Collectable Amount, enter the smallest amount Zenoti can collect in a partial charge. Enter $1.00 or more.
Click Save
Setting | What it does |
|---|---|
Enable Partial Collection | Turns on balance-based partial ACH collection for the center. This setting appears only when ACH is enabled at the center. If you disable ACH, Zenoti also disables Partial Collection. |
Minimum Collectable Amount | The smallest amount Zenoti attempts to collect in a partial charge. This value is required when Partial Collection is enabled. The settings page does not save without it. The value accepts $1.00 or more, up to two decimal places. Zenoti does not pre-populate a default. |
The configuration is center-specific. Each center sets its own minimum. Changes apply to future collection attempts only. They do not change retry cycles already in progress. The setting affects only Insta Verified accounts. All other accounts behave as before.
Guest notifications
Zenoti sends a new Partial Collection Success notification each time a partial debit succeeds. This notification is separate from the existing Payment Success and Payment Failed templates. If Zenoti collects an invoice partially across three attempts, the guest receives three notifications. Each notification shows updated balances.
The notification tells the guest:
The amount collected in this transaction
The remaining pending balance on the invoice
The original invoice amount, for context
The payment method used, shown as a masked ACH account reference
The date of the next scheduled retry, where applicable
Zenoti delivers notifications across email, SMS, and WhatsApp. The notification follows the existing template management patterns for customization. It respects each guest's per-channel communication preferences. When the invoice is fully settled and the remaining balance reaches $0, the guest receives the standard Payment Success notification, not the partial template.
Staff and guest views
On the membership details page
Each invoice on the membership shows the original invoice amount, the total collected amount, and the remaining balance. A partially paid invoice carries a distinct Partially Paid status. This keeps it separate from fully paid or fully unpaid invoices. The transaction history lists every payment against the invoice. Each entry shows the date, amount, and payment method. Each entry also shows whether it came from an automatic retry or a manual payment. These views are available on POS, ZMA, Webstore, and CMA. An invoice that never went through partial collection displays as it does today.
On the guest profile
An eligible bank account shows the Insta Verified tag under the payment methods in the guest profile. The tag is informational. It reflects the account's verification status. It appears whether or not Partial Collection is enabled at the center. An account that is not verified shows no tag.
Note
The Insta Verified tag currently appears in the guest profile payment methods. Support on other screens, such as POS, WebPOS, the online guest profile, and ACH reports, is planned for upcoming releases.
Collect the remainder manually
A partially paid invoice no longer blocks grouped payment. Front desk staff and guests can settle the pending balance on several invoices in one transaction. This includes partially paid invoices.
Start from the Visits page or the guest profile. A payment alert appears on the Visits page for a guest with a pending balance. This includes partially paid invoices. Select the alert to open the POS. You can also open Open Tab from the guest profile.
Review the pending invoices. The Open Tab lists every pending invoice for the guest. Each invoice shows the original amount, the amount already collected, and the remaining balance.
Select the invoices to pay. Select any combination of invoices. The payable total is the sum of remaining balances, not the sum of original amounts. Pay with any method available at the POS. The payment is not restricted to the original ACH account.
Complete the payment. Zenoti allocates the collected amount to each invoice automatically. Any invoice that reaches $0 outstanding is marked fully paid.
The same grouped collection is available on ZMA. It is also available for guest self-service on Webstore and CMA. Guests see their pending invoices with remaining balances. They can pay all or selected invoices in one transaction.
Statuses, reporting, and reconciliation
The existing ACH statuses do not change. Pending, Settled, Success, and Failed carry the same meaning as before.
In the Digital Payments Report, an invoice settled through more than one partial collection shows a separate successful row for each debit. Together, the rows represent the total amount collected. Finance teams should update reconciliation procedures to expect multiple rows per invoice.
The invoice screen reflects the running total collected so far. Zenoti continues the retry cycle on the outstanding remainder.
Membership reports reflect partial payments accurately across all invoices. Total dues, total collected, and total outstanding stay correct. There is no double counting in revenue, dues aging, or membership financial summaries.
Considerations
Partial Collection applies only to ACH payments processed through Adyen. Credit cards, debit cards, and all other instruments continue with full-amount collection.
When Partial Collection is enabled but a guest's account is not Insta Verified, Zenoti performs no balance check. Zenoti attempts a standard full charge. The charge succeeds or fails, as before.
A successful partial payment is final. Every retry requests only the balance that remains outstanding.
The Minimum Collectable Amount cannot be lower than $1.00. This is the enforced floor.
A payment is partial when the guest receives the Partial Collection Success notification, the invoice shows a Partially Paid status, and the Digital Payments Report shows a separate successful row for each partial debit.
When every retry is used and a balance remains, the invoice stays open. Front desk staff can collect it. The guest can also pay through Webstore or CMA.
A change to the minimum does not affect invoices already in the retry cycle. Configuration changes apply to future collection attempts only.