Thank you for allowing us to continue to serve you and our shared community.
 

Who is Gains Full Service Billing?

  • Gains Full-Service Billing is the Gateway Region YMCA’s third-party payment processor. Gains is authorized to assist with the resolution of all declined membership dues, programs, and child care payments. They may contact you on behalf of the Y to attempt to collect your owed balance and/or update your billing information. 

How does Gains Full Service Billing work?

  • Gains will draft fees up to 4 times to attempt to collect before terminating services. Gains will attempt to contact you via phone & email to alert you to the declined payment. 
     
  • As outlined in our Membership agreements and handbook, if a payment is not honored by your financial institution for any reason, a $25 return fee will be charged. Members are still responsible for payment, including the return fee. This is in addition to any return fee your financial institution may charge. 
     

  • Payment Authorization Agreement (may be found within our current Membership & Guest Form): 

    I/(We) authorize and request the Gateway Region YMCA to charge my/(our) checking/savings or credit/debit card account for my/(our) monthly fee. I acknowledge that YMCA membership rates may change in the future. If the YMCA decides to increase its membership rates, you will receive at least 30 days’ advance notice using the contact information you have provided. This notice will include the new rate and the effective date. You can cancel at any time by emailing your local Y, or visiting us in person. 

    I/(We) further authorize the financial institution to process these fees. I/(We) understand that Gains Full Service Billing will be the Y’s third-party payment processor. I further understand that Gains is authorized to assist with resolving all declined membership dues, programs, and childcare payments, and they may contact me on behalf of the Y to attempt to collect an owed balance and/or update my billing information. I/(We) understand fees are non-refundable and non-transferable. If, for any reason, a payment is not honored by the financial institution, a return fee will be charged on any returned transaction. I realize I am still responsible for my payment, including the return fee applied by the Y. This is in addition to any service fee my/(our) financial institution may charge. Additional attempts will be made automatically to recover the original balance, and the return fee, and the Y/Gains will notify me/(us) of any issues. The Y will add no additional return fees to my account for additional returns on the same item. Unpaid balances will result in suspension or termination of my/(our) service. I/(We) understand charges are continuous, and it is my/(our) responsibility to notify the Y in person to discontinue my/(our) services and automatic payments.

    Charges are not dependent on usage. I/(We) understand cancellations/changes must be submitted in writing on or before the 20th of the month prior to my/(our) next draft date. If I/ (we) notice a discrepancy on my/(our) statement, I/(we) will notify the Y promptly. I/(We) understand refunds are not issued for discrepancies after 90 days. A copy of our most up to date payment authorization is available at gwrymca.org/billing.
     

What happens if I don’t make my payment?

  • Memberships will be terminated by Gains if payment is not received within 30 days from the original decline date. 
     
  • Program participants will not be permitted to attend until payment is received.