Payment Processing Built For Cold Plunge & Recovery Studios

There's no single number. Your cost depends on your card mix, how charges come in (recurring membership draft vs. a front-desk kiosk sale), and your monthly volume across memberships, sessions, and retail. With Interchange-Plus pricing, the network's cost is broken out separately from Argent's pricing, and everything is disclosed in writing before you sign.

Interchange is the wholesale cost that Visa, Mastercard, and the other networks charge on every transaction — set by the card brands and paid to the customer's card-issuing bank, not to Argent or any processor. It varies by card type, with rewards and business cards typically costing more to accept than basic debit. Interchange-Plus pricing keeps that cost separate from Argent's own markup, so your statement shows both clearly instead of one blended number.

Often, yes. Send us a recent statement and we'll calculate your effective rate — total fees divided by total processing volume — and compare it against the actual interchange schedule for your card mix. If Argent can offer meaningfully better pricing, we'll show you the math side by side. If we can't, we'll tell you directly.

No. Argent is month-to-month, with no long-term contract and no early termination fee. If you're currently locked into a multi-year agreement through your booking platform's payment processing, that contract term is worth checking before you assume switching isn't possible.

Common ones include PCI non-compliance fees, monthly minimum fees, batch fees, statement or paper fees, and annual PCI assessment fees. None are illegal, but they're often not clearly explained at signup. Argent reviews statements line by line so you know exactly what you're paying for and whether it's negotiable.

Argent supports a large variety of booking and scheduling platforms. Processing and your booking software are two separate decisions — your class calendar, waivers, and member records don't have to change just because your payment processor does.

Often, yes — many kiosk setups can be reprogrammed to run on Argent's processing instead of being replaced outright. Send us your current equipment and we'll confirm compatibility before you commit to anything.

Yes, for the terminals and kiosk hardware your payments actually run through, leasing is available through Argent's equipment partner, separate from Argent's own processing agreement.

Argent coordinates a replacement or repair through its equipment partner so you're not stuck without a way to check members in.

The goal is zero disruption to check-in. Most studios keep their existing booking software and either reprogram current equipment or swap in a compatible kiosk, with account setup and cutover scheduled for a low-traffic window.

Yes — a securely stored card on file lets membership dues and punch-card renewals run automatically instead of your front desk manually re-collecting payment information every cycle.

Without an account updater, an expired or reissued card simply fails at the next billing date, which means a missed payment and a manual follow-up. An automatic card updater can refresh many of those cards before they fail.

Yes — contactless and mobile wallet payments are supported on modern kiosks and card readers as standard, not as an add-on or upcharge.

Yes — Argent can consolidate membership billing, drop-in sessions, and retail sales under one merchant account, so you're reconciling one system instead of two or three.

Yes — multi-location operators get consolidated reporting across every studio under one merchant relationship, instead of managing separate accounts and statements location by location.

That's common for recovery and wellness studios. Argent's setup doesn't penalize volume swings the way a monthly-minimum fee structure can, and your account is built around your actual booking pattern rather than a flat assumption of steady monthly volume.

Most studios are live within about a week of the first call, though the exact timeline depends on your current equipment, booking software, and underwriting. We'll give you a specific timeline once we know your setup.

Your funding timeline is set to match your business and volume, and disclosed upfront before you sign, since funding speed depends on processing history, risk category, and banking relationship.

A chargeback happens when a cardholder disputes a transaction directly with their bank rather than with you — funds are pulled back automatically during investigation. Every Argent transaction is screened with AVS, CVV matching, and tokenization before settlement, which catches a meaningful share of fraudulent or mistaken charges before they become disputes.

PCI DSS is the security standard every business that accepts cards has to follow, covering how card data is transmitted, stored, and protected. Every Argent setup is PCI DSS compliant, with encryption and fraud monitoring built into the processing, and we walk you through the annual self-assessment questionnaire.

None. The rate review call is a statement comparison and a conversation, not a sales pitch. If we can't do meaningfully better for your business than what you're paying now, we'll say so directly.

You can still get a statement review and rate comparison now, even if you're not ready to switch immediately — that way you know exactly what a change would save once your current agreement allows it.