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GlossaryBilling & payments

Unpaid Fee (Impago)

Fee not collected by the club — through SEPA return, lack of funds or voluntary default. Requires a clear process: notice, claim, suspension and, if applicable, removal.

Definition

Non-payment occurs when the club launches a collection and the money doesn't materialise: bank returns the debit (closed account, insufficient funds, mandate disputed by member within 8 weeks), member pays manually late, or simply doesn't pay.

Non-payment handling must be regulated in the internal rules: automatic notice after the first miss, period to regularise (typical: 7-15 days), surcharge or interest if statutes allow, suspension of member rights if it persists, formal claim by certified letter and, finally, removal for non-payment if it exceeds defined periods. Important: removal must be proportional and foreseen in statutes to be non-challengeable.

When does it apply?

It's a reality of any club billing fees: well-managed, persistent non-payment is <2%; mismanaged it can exceed 10% and sink cash flow. A system with automatic notices, clear dashboard and standard procedure dramatically reduces chronic non-payment.

Practical example

A family at C.D. Hockey Pamplona stops paying the monthly fee in February because they switched banks without updating the mandate. The first debit is returned on 8 February. The system fires an automatic email: 'February fee unpaid — update details before 15/2 or pay manually'. The father calls, signs a new mandate and pays February manually. In March the system collects with the new mandate. Had he not responded in 15 days, a certified letter would have gone out and, after 30 days unresolved, rights would have been suspended.

Common mistakes

  • Not having a written procedure: each case is handled differently and reflects badly on the club.
  • Suspending the player without notice: suspension must follow formal notices and deadlines.
  • Skipping certified letter when warranted: in case of litigation it's the solid evidence.
  • Letting chronic non-payment accumulate: the earlier it's handled, the higher the recovery probability.

Related terms

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