"Paused wellness memberships: reconcile credits before billing resumes"
"Source","https://bluefinchadvisors.com/blog/wellness-membership-pause-credit-ledger"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Credit at start of pause","180","currency"
"Approved credit added during pause","90","currency"
"Credit used during pause","60","currency"
"Credit removed by approved refund","30","currency"
"First resumed invoice before credit","150","currency"
"System credit before restart","200","currency"

"Results","Value","Unit"
"Expected credit before restart","180","currency"
"Reported minus expected credit","20","currency"
"Restart bill less expected credit","-30","currency"

"Calculation detail","Value","Unit"
"Approved credit additions","90","currency"
"Use plus approved refund reductions","90","currency"
"Resumed invoice before credit","150","currency"

"Assumptions"
"Illustrative dollar-credit policy; no expiration or fee is invented."
"Applying credit to the restart bill is assumed authorized. If calculated credit is negative, investigate before using the invoice outputs."

"Result notes"
"A negative net bill denotes unused credit in this illustration, not an automatic cash refund."
"The model does not determine whether billing, access, or benefit accumulation should pause."

"Sources"
"Gymdesk: freezing, unfreezing, prorations, and credits","https://docs.gymdesk.com/en/help/docs/freezing-unfreezing-members"
"Phorest: refunds, freezes, membership status, and benefit balances","https://support.phorest.com/hc/en-us/articles/30064807447186-How-do-I-refund-a-Membership-fee-or-cancel-freeze-a-Membership"
"Phorest: membership benefit rollover and accumulation settings","https://support.phorest.com/hc/en-us/articles/39022106787346-How-can-I-limit-how-much-Membership-credit-or-services-a-client-can-build-up"
"Stripe: refund funding, destinations, and refund status","https://docs.stripe.com/refunds"
"Visa: U.S. merchant surcharging and displayed-price distinctions","https://usa.visa.com/dam/VCOM/global/support-legal/documents/merchant-surcharging-qa-for-web.pdf"