# Gym Software in Croatia: A Guide for 2026

> What gym software in Croatia has to cover from 2026: fiscalisation of every consumer receipt, VAT, cards and SEPA, member contracts and GDPR, with a table of local options and published prices.

*Author: Trainera Team  |  Published: 2026-10-07  |  Reading time: 9 min*

## What gym software do you need in Croatia in 2026?

A gym in Croatia needs software that manages members, packages, entries and payments, plus a cash register or program that fiscalises **every receipt issued to a consumer**, because from 1 January 2026 fiscalisation (fiskalizacija, real-time reporting of receipts to the Tax Administration) applies to all payment methods, including cards and bank transfers. Gym services are taxed at the standard VAT (PDV) rate of 25%, and the VAT registration threshold is €60,000\. Croatian platforms publish prices from roughly €19 to €198 a month, and some do not publish a price at all.

In practice, almost every gym ends up working with two tools: one for members and day-to-day operations, another for fiscal receipts. Some local systems combine both, some do not. This guide covers the rules that apply in Croatia, published prices and the questions worth asking before you sign a contract. It is written for gym and studio owners, including foreign owners running a gym on the coast or in Zagreb who want the Croatian specifics in English.

## What gym software in Croatia has to cover

The feature list looks similar in every country. The difference is how payments connect to the tax rules. Before a demo call, write down what you actually need:

* **Member and package records**: monthly, yearly and block memberships, pauses, expiry dates and renewal reminders.
* **Gym entry**: a card, a QR code in the app or manual check-in at reception, with a record of who came in and when.
* **Payments**: card online, card and cash at the desk, bank transfer (virman) for companies paying memberships for their employees.
* **Fiscal receipts** for every payment from a consumer, from the system itself or through an integration.
* **Group classes**: timetable, bookings and attendee lists.
* A member app, enquiries from prospective members and training data if you have personal trainers on the team.

The most common mistake I see: an owner picks software for the look of the app and only after the first month realises that online payments and fiscal receipts do not talk to each other. Start with payments and receipts. The app comes after that.

## VAT and fiscalisation: what changed in 2026

The new Fiscalisation Act (Zakon o fiskalizaciji, NN 89/25) widened the obligation. Until the end of 2025, receipts paid in cash and by card were fiscalised. From 1 January 2026, [every receipt to a final consumer is fiscalised, regardless of payment method](https://porezna-uprava.gov.hr/hr/fiskalizacija-racuna-u-krajnjoj-potrosnji-b2c-poslovanje/8033). The receipt must carry the JIR (unique receipt identifier issued by the Tax Administration), the ZKI (the issuer's protection code), a QR code, the payment method and the time of issue.

| Rule                               | What applies                                                                                                            | What it means for a gym                                                        |
| ---------------------------------- | ----------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------ |
| Standard VAT rate                  | 25% (reduced rates 13% and 5%)                                                                                          | We found no reduced rate for gym or personal training services, so 25% applies |
| VAT registration threshold         | €60,000 from 1 January 2025                                                                                             | A small studio below the threshold does not charge VAT                         |
| Fiscalisation of B2C receipts      | From 1 January 2026 for all payment methods                                                                             | Online card payments and bank transfers also need a fiscal receipt             |
| Mandatory receipt elements         | JIR, ZKI, QR code, payment method, time of issue                                                                        | A payment processor's confirmation is not a fiscal receipt                     |
| B2B e-invoices (Fiskalizacija 2.0) | VAT-registered businesses issue and receive from 1 January 2026; others receive from 2026 and issue from 1 January 2027 | Memberships paid by a company go out as an e-invoice (eRačun)                  |
| Exemptions from fiscalisation      | Only activities measured by quantity (electricity, gas, water and similar)                                              | Fitness and online card payments are not exempt                                |

Sources: [Tax Administration (Porezna uprava) on VAT rates and the threshold](https://porezna-uprava.gov.hr/hr/oporezivanje-potrosnje/4743), [exemptions from fiscalisation](https://porezna-uprava.gov.hr/hr/izuzeca-od-obveze-fiskalizacije/8035) and [fiscalisation of e-invoices](https://porezna-uprava.gov.hr/hr/fiskalizacija-eracuna-8049/8049). Services closely linked to sport provided by non-profit legal entities can be VAT exempt, so associations and clubs should check their status.

The key consequence for online sales: when a member pays for a membership by card over the internet, the confirmation sent by the payment processor is not a fiscal receipt. For every successful payment, including automatic monthly renewals, the gym has to issue and fiscalise a receipt from its own certified solution. There is more on this, with examples for trainers and the flat-rate sole trader (paušalni obrt), in the guide to [fiscalisation for personal trainers and gyms in Croatia](/blogs/fiscalization-croatia-personal-trainers-gyms).

This is not tax advice. Check with your bookkeeper or the Tax Administration how the rules apply to your sole trade (obrt) or company.

## Cards, SEPA direct debit and cash

Croatian gyms collect money in three ways: at the desk, by card online and by bank transfer. For recurring memberships through Stripe, both cards and [SEPA direct debit](https://docs.stripe.com/payments/payment-methods/payment-method-support) are available, and Stripe supports SEPA in subscriptions. Whatever the method, the fiscal receipt remains your obligation.

| Payment method                 | How it works                                        | Fiscal receipt                     | In Trainera                                                                     |
| ------------------------------ | --------------------------------------------------- | ---------------------------------- | ------------------------------------------------------------------------------- |
| Card online                    | The member buys a package in the app or on the web  | Yes, for every payment and renewal | Yes, through the gym's own Stripe account, 0% Trainera fee                      |
| SEPA direct debit              | The gym debits the member's account under a mandate | Yes                                | No. The gym runs it through its own bank or provider and records the membership |
| Cash or card at the desk       | Payment at reception                                | Yes, from the fiscal cash register | The payment is recorded in Trainera                                             |
| Bank transfer (private person) | Payment against a quote or invoice                  | Yes, from 2026                     | The payment is recorded in Trainera                                             |
| Bank transfer (company)        | A company pays its employees' memberships           | E-invoice under Fiskalizacija 2.0  | The payment is recorded in Trainera                                             |

Stripe bills its card processing fee directly to the gym. If you want to see how payment costs differ between systems, read the article on [gym payment software](/blogs/gym-payment-software).

## Member contracts and consumer protection

A membership bought online is a distance contract. Under the [rules on distance purchases](https://gov.hr/hr/prava-potrosaca-pri-kupovini-na-daljinu-ili-izvan-poslovnih-prostorija/566?lang=hr), the consumer has 14 days to withdraw without giving a reason, and the trader must refund the money within 14 days of being notified. The content and form of the withdrawal form are set out in a [2022 ordinance (pravilnik)](https://narodne-novine.nn.hr/clanci/sluzbeni/2022%5F10%5F117%5F1795.html).

Automatically extending a fixed-term contract with an unreasonably short deadline to object is listed as a potentially unfair term. If you sell yearly memberships that renew on their own, write clear rules and send a reminder before expiry. Software helps here with expiry dates and automatic reminders, but the wording of the contract is up to you and your lawyer.

## GDPR, AZOP and fingerprint entry

Biometric data (fingerprint, face) is a special category of personal data under Article 9 of the GDPR. For gym entry, a card or a QR code does the same job without that risk. The Croatian data protection agency AZOP has already fined a casino €2.59 million for excessive collection of players' fingerprints, as [reported by Bug.hr](https://www.bug.hr/propisi/casinu-kazna-od-259-milijuna-eura-zbog-pretjeranog-uzimanja-otisaka-prstiju-63288). That is not a decision about a gym, but it shows how the agency views biometrics.

The gym is the controller of its members' data. Check which data you collect (health questionnaire, injuries, measurements), who has access to it and how long you keep it.

## Gym software in Croatia: options and published prices

The prices in the table are those published on the vendors' websites in October 2026\. Terms change, so ask for a written quote before you decide.

| Software                                                    | Based in   | Published price                                                   | Note                                           |
| ----------------------------------------------------------- | ---------- | ----------------------------------------------------------------- | ---------------------------------------------- |
| [GymAdmin](https://www.gymadmin.hr/pricing)                 | Bjelovar   | Starter €64 a month; Pro and Enterprise on request                | Nuki lock €699 one-off                         |
| [FitApp Cloud](https://fitapp.cloud/)                       | Čepin      | €19 (up to 100 members), €49 (100-500), €99 (Enterprise) a month  | States fiscalisation via FINA                  |
| [Gym Gate](https://gymgate.app/)                            | Not stated | €39, €109, €198 a month (up to 100, up to 250, unlimited members) | Priced by number of members                    |
| [TerminMaster](https://terminmaster.com/)                   | Serbia     | Price not published                                               | 30-day trial                                   |
| [GoFitness](https://gofitness.app/)                         | Serbia     | Price not published                                               | States 400+ locations in 5 countries           |
| [Mindbody](https://www.mindbodyonline.com/business/pricing) | USA        | From USD 79 a month (Starter)                                     | Other plans on request                         |
| Trainera                                                    | \-         | Core €89, White Label €169, Studio €189 a month                   | 3 trainers included, each additional one €9.99 |

When you compare, look at the whole year, not just the monthly price: set-up, entry hardware, card fees, number of trainers and a fiscal solution if the system does not include one. A broader overview of costs is in the article on [how much gym management software costs](/blogs/how-much-does-gym-management-software-cost), and if you are just starting and looking at free options, read [what free gym software really covers](/blogs/free-gym-management-software).

## Where Trainera fits, and where it does not

To be honest, first what Trainera **does not do**: it is not a fiscal cash register, it does not issue fiscal receipts and it does not send e-invoices. It does not offer SEPA direct debit either. A gym using Trainera still needs its own fiscal solution.

What it does, according to the prices on [trainera.fit/pricing for Croatia](/pricing):

* **Core, from €89 a month**: web dashboard, membership packages in euro, digital member card and QR check-in in the app, manual check-in from the overview, a leads CRM with 7 stages and reminders, a class planner with recurring sessions and rosters, online card sales through your own Stripe account with no Trainera fee, a website builder with your own domain, a community for members and the TRAI AI assistant (200 requests a month).
* **White Label, from €169 a month**: everything in Core plus your own iOS and Android apps under the gym's name. Trainera handles publishing in the stores.
* **Studio, from €189 a month**: White Label with Community Plus and Automations.
* The first 3 trainers are included, each additional one costs €9.99 a month. Add-ons for Core: Community Plus €14.99, Automations €20.99\. Paying yearly costs 10 monthly instalments.

Members train in the Trainera app on iOS, Android and the web, with training and nutrition plans, and the app runs in 26 languages, which helps if you have foreign members.

### How it works in practice alongside a fiscal cash register

1. A member buys a monthly package by card in the app. The money goes to the gym's Stripe account.
2. The gym issues a fiscal receipt for that payment from its fiscal program. The same applies every time the member buys the next package, so agree with your bookkeeper how you will do this regularly.
3. At reception, cash or card payments go through the fiscal cash register, and you record the payment in Trainera so the package and expiry date are correct.
4. Memberships paid by a company go out as an e-invoice from your program, and you manage the membership in Trainera.

If it matters to you that one system handles both members and fiscal receipts, local vendors that state fiscalisation are probably the better choice. If the member app, training and your own branded app matter more, and you already have a fiscal program, Trainera makes sense. The difference between the plans is explained in more detail in [Core or White Label](/blogs/trainera-for-gyms-core-vs-white-label).

## Questions to ask every vendor before you sign

* Does the system issue fiscal receipts itself, or do I need a separate cash register? What happens with automatic renewals?
* Which online payment methods does it support: cards, SEPA, something else? Who charges a commission, and how much?
* How long is the contract, is there a set-up fee and what is the notice period?
* How do members get into the gym, and is extra hardware needed?
* How do I export member data if I leave?
* Is the member app available in Croatian, and do I need my own branded app?

Ask for the answers in writing. Ask us the same questions.

_See how [Trainera gym software](/for-gyms) works alongside your fiscal cash register, or [open a gym account](/auth/register?role=gym)._

## FAQ

### What is the best gym software in Croatia?

It depends on how you take payments and whether you already have a fiscal cash register. If you want one system for members and fiscal receipts, look at local systems that state fiscalisation; if a member app and training matter more and you already have a fiscal program, platforms such as Trainera are an option.

### Does a gym in Croatia have to fiscalise a membership paid by card online?

Yes. From 1 January 2026 every receipt to a consumer is fiscalised regardless of payment method, including online card payments and bank transfers. A payment processor's confirmation is not a fiscal receipt.

### How much does gym software cost in Croatia?

Published prices of local systems run from about €19 to €198 a month, depending on the number of members and the plan, and some vendors only quote on request. Trainera for Croatia starts from €89 a month for Core.

### Can a gym in Croatia use fingerprints for entry?

A fingerprint is special category biometric data under the GDPR, so the risk is high. A card or a QR code in the app does the same job without processing biometrics.

### Does Trainera issue fiscal receipts in Croatia?

No. Trainera is not a fiscal cash register and does not issue fiscal receipts or e-invoices. A gym using Trainera keeps its own fiscal solution and records payments in Trainera.

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Source: https://trainera.fit/blogs/gym-software-croatia