Why Bank Account Payment Methods Can’t Be Transferred When You Switch to Kilo

When you move your gym’s billing from another software provider to Kilo, we can often help migrate credit card payment methods.

However, bank account payment methods (such as ACH, EFT, or Pre-Authorized Debits) cannot be transferred between payment processors.

Here’s why.

How Bank Account Payments Work

When a business charges a customer’s bank account automatically, the customer must first give explicit authorization allowing that business to withdraw funds.

This authorization typically includes:

• The business name that will withdraw funds
• The bank account being used
• The payment schedule (for example, monthly membership dues)
• Instructions for how the customer can cancel or change the authorization

These authorizations are required by banking networks and payment regulations in many countries to ensure customers clearly consent to recurring withdrawals from their account.

Why These Authorizations Can’t Be Transferred

Bank account authorizations are typically linked to the specific payment processor account that collected them.

When a gym switches billing platforms, it usually also switches to a different payment processor account. Kilo uses Stripe for payment processing.

Because of this:

• The authorization your members gave through your previous system was granted to that specific processor account.
• Banking networks generally do not allow those authorizations to be transferred to a new processor account.
• The new processor must collect its own authorization directly from the customer.

This requirement helps ensure:

• Customers know exactly which company is withdrawing funds from their bank account.
• The authorization language meets current banking and compliance requirements.
• The payment processor has a verifiable record of the customer’s consent.

Without a new authorization, a withdrawal could be considered unauthorized, which may lead to payment reversals or disputes.

Why Bank Accounts Usually Don’t Transfer — Even From Stripe to Stripe

Gym owners often ask why bank accounts cannot transfer even when both platforms use Stripe.

While both systems may use Stripe, each software platform connects to its own Stripe account and payment configuration.

This means:

• Your previous gym management system is connected to one Stripe account.
• Your Kilo account is connected to a different Stripe account.

Bank account authorizations are tied to the specific Stripe account that originally collected the authorization, not simply to Stripe as a company.

Because of this, Stripe cannot transfer those bank authorizations between accounts. The customer must provide authorization again so the new Stripe account (connected to Kilo) can store a valid record of consent.

What This Means When You Switch to Kilo

When your gym transitions billing to Kilo:

Credit Cards

• In many cases, credit card payment methods can be migrated securely between processors, if your departing processor allows this.

Bank Accounts

• Bank account payment methods will need to be re-entered by the member directly into Kilo Gym Management so a new authorization can be created through Stripe.

Once the member adds their bank account again, the system will generate a new authorization tied to your gym and the new processor, ensuring the payments are valid and compliant.