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Memberships and packages: what you have actually earned

A membership charged on the first of the month and a ten-treatment package bought at Christmas have the same problem. The cash is in the bank and the service is not delivered. Until it is, the money is owed, not earned.

The rule, plainly

Revenue is recognised when the service is delivered, not when the money arrives. Under accrual accounting a payment taken in advance is a liability — deferred revenue — and it moves to revenue as the obligation is discharged.

For a spa that means three separate balances sitting on the balance sheet:

What was soldWhat is owedWhen it becomes revenue
Monthly membershipOne month of access, credit or included serviceOver the month, or when the included service is used, depending on the agreement
Prepaid package of treatmentsThe remaining unused treatmentsEach time one is redeemed
Gift cardThe face valueOn redemption, plus breakage — covered separately
The test

if a client walked in tomorrow and asked for a refund, what would you owe them? That number is the liability.

Membership designs behave differently

  • Access memberships — a fee for entry, discounts or perks with no specific service attached. Earned evenly across the month. The simplest to account for.
  • Included-service memberships — one facial a month, say. The obligation is the service. If it goes unused, whether it rolls forward determines whether the revenue is earned or the liability grows.
  • Credit or banked-value memberships — the fee becomes a balance the client spends. This is the one that quietly accumulates. Two years of unused credits across a few hundred members is a real number, and it is a real obligation.

Read your own membership agreement before deciding the treatment. Whether unused benefit expires, rolls, or converts to credit is the whole question, and the answer is in the document the client signed.

What it takes each month

  1. Pull the deferred balance from the booking system — unredeemed package units, banked member credits, outstanding gift card value.
  2. Compare it to the deferred revenue liability in the general ledger.
  3. Post the movement. The difference between the two balances is the revenue earned in the period.
  4. Keep the supporting report. If the balance is ever questioned — by a lender, a buyer or an accountant — the report is the answer.

That is one entry a month and one reconciliation. It is not difficult work. The difficulty is that it never happens unless someone owns it.

What goes wrong when it does not happen

  • Growth looks better than it is. Every new membership adds cash and, on cash-basis books, revenue. The business appears to be accelerating when it is only collecting earlier.
  • A flat month looks like a collapse. When sign-ups level off, recognised revenue drops even though delivery is unchanged.
  • The cash gets spent. A balance that includes eighteen months of prepaid services reads as available. It is not.
  • A sale gets repriced. A buyer's accountant will restate the revenue on an accrual basis. If that restatement is the first time anyone has done it, the number they arrive at is lower than the one you have been quoting, and the conversation gets difficult.

Frequently asked

Can we just use cash-basis accounting?

You can file a tax return that way. You cannot run the business that way, and you cannot sell it that way. Cash basis on a prepaid model tells you when money arrived, which you already know from the bank, and nothing about whether the month was profitable.

How do we handle unused member credits?

It depends on the agreement. If credits expire, revenue is recognised at expiry. If they roll forward indefinitely, the liability stays until redemption. Either way, track the balance monthly — an unmeasured obligation that grows for years becomes very hard to unwind.

What about a package sold at a discount?

Defer the amount actually paid, not the list value, and release it across the treatments in the package. Releasing full list value per treatment leaves a balance that never clears.

Does the booking system handle this for us?

It tracks the balances, which is most of the work. It generally does not post the accounting entry, and its report and your general ledger will drift apart unless someone reconciles them each month.

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