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Coach Financials & Payment Setup

The Financials page is your coaching business finance hub. Track earnings, view transaction history, manage payouts, and understand your revenue streams.

Written by Kieran Leister
Updated over a week ago

Dashboard Overview

Revenue Summary

This Month:

  • Total earnings (gross)

  • Platform fees deducted

  • Net earnings

  • Comparison to last month (% change)

Year to Date:

  • Annual earnings tracker

  • Monthly breakdown chart

  • Average monthly income

  • Growth trend

Quick Stats

  • Total sessions completed (this month)

  • Average session rate

  • Total active clients

  • Package vs. individual session revenue

Earnings Breakdown

Revenue by Source

Individual Sessions:

  • One-time bookings

  • Revenue per session

  • Count of sessions

Session Packages:

  • Package purchases

  • Revenue from packages

  • Sessions delivered vs. remaining

Subscriptions:

  • Monthly recurring revenue (MRR)

  • Active subscriptions

  • Subscription retention rate

Consultations:

  • Free (lead generation metric)

  • Consultation-to-client conversion rate

Revenue by Client

  • Top clients by revenue

  • Client lifetime value

  • Average revenue per client

  • Client acquisition cost (optional tracking)

Revenue by Time Period

Filter Views:

  • Today

  • This week

  • This month

  • Last month

  • This quarter

  • This year

  • Custom date range

Transaction History

Transaction List

Each Transaction Shows:

  • Date and time

  • Client name

  • Transaction type (session, package, subscription)

  • Gross amount

  • Platform fee (10% or 15%)

  • Net amount (your earnings)

  • Payment status

  • Payout status

Transaction Types

Session Payment:

  • Individual session booking

  • Pay-per-session charge

Package Purchase:

  • Upfront package payment

  • Funds held until sessions delivered

Subscription Charge:

  • Monthly recurring payment

  • Auto-charged on billing date

Refund:

  • Session cancellation refund

  • Shows as negative amount

Payment Status

  • Pending: Awaiting session completion

  • Completed: Session done, funds released

  • Paid Out: Transferred to your bank

  • Refunded: Returned to client

  • Failed: Payment declined (rare)

Stripe Connect Account

What is Stripe Connect?

  • Payment processor for Zant

  • Your merchant account

  • Handles all transactions

  • Ensures secure payments

  • Required to receive earnings

Setting Up Stripe

Initial Setup:

  1. Go to Financials page

  2. Click Connect Stripe Account

  3. Choose: Create new or Connect existing

  4. Follow Stripe prompts

  5. Provide required information

Information Needed:

  • Business type (individual or company)

  • Personal identification (driver's license/passport)

  • Social Security Number or Tax ID

  • Bank account information

  • Business address

  • Date of birth

Verification:

  • Identity verification (usually instant)

  • Bank account verification (1-2 business days)

  • Sometimes additional documents required

Stripe Dashboard Access

View in Stripe:

  • All transaction details

  • Customer payment methods

  • Dispute management

  • Tax documents

  • Advanced analytics

Access Stripe Dashboard:

  • Click View Stripe Dashboard button

  • Opens Stripe portal

  • Full financial controls

Payout Schedule

How Payouts Work

Standard Schedule:

  1. Client pays for session

  2. Funds held until session completed

  3. After session, 2-day hold period

  4. Funds transferred to Stripe balance

  5. Stripe transfers to your bank (2-7 days)

Total Timeline:

  • Same-day payout: Not available

  • Typical: 4-9 days after session

  • Can vary by bank

Payout Frequency

Options:

  • Daily: Transfers every business day

  • Weekly: Transfers on set day (e.g., Friday)

  • Monthly: Transfers on set date

Set in Stripe Dashboard:

  • Go to Stripe > Settings > Payout Schedule

  • Choose frequency

  • Select payout day (weekly/monthly)

Viewing Payouts

In Zant:

  • See pending vs. paid out amounts

  • Payout history list

  • Expected payout dates

In Stripe:

  • Detailed payout records

  • Bank transfer confirmations

  • Per-payout transaction breakdown

Platform Fees

Fee Structure

Early Stage Plan (Free):

  • 15% platform fee

  • Charged on gross transaction amount

  • Deducted automatically

Premium Pro Plan:

  • 10% platform fee

  • Save 5% vs. Early Stage

  • Paid quarterly or annually

How Fees Work

Example Transaction:

  • Client pays: $150

  • Platform fee (15%): $22.50

  • Your net earnings: $127.50

Stripe Processing Fees:

  • 2.9% + $0.30 per transaction

  • Paid by client (included in total)

  • Not deducted from your earnings

Upgrading for Lower Fees

Break-Even Analysis:

  • Premium Pro: $199/quarter ($66/month)

  • Need $1,320/month revenue to break even

  • Every dollar above = savings

Calculate Your Savings:

  • Monthly revenue × 5% = monthly savings

  • If > $66, Premium Pro pays for itself

Refunds & Cancellations

Issuing Refunds

When to Refund:

  • You cancel session

  • Client cancels within refund window

  • Service not delivered

  • Client dissatisfaction (your discretion)

How to Process:

  1. Go to transaction

  2. Click Issue Refund

  3. Choose: Full or Partial

  4. Enter amount (if partial)

  5. Add reason (optional)

  6. Confirm Refund

What Happens:

  • Client refunded in 5-7 business days

  • Platform fee refunded proportionally

  • Transaction marked as refunded

  • Your earnings adjusted

Refund Policy Best Practices

Recommended Policy:

  • 24-48 hours notice: Full refund

  • Less than 24 hours: No refund (or 50%)

  • No-show: No refund

  • Your cancellation: Always full refund

Set Your Policy:

  • Go to Settings > Cancellation Policy

  • Write clear terms

  • Displayed to clients when booking

  • Enforceable through platform

Tax Information

1099 Forms (US Coaches)

If you earn $600+ per year:

  • Zant/Stripe provides 1099-K

  • Sent by January 31

  • Available in Stripe Dashboard

  • Reports your gross earnings

Your Responsibility:

  • Report as self-employment income

  • Track deductible expenses

  • Pay quarterly estimated taxes

  • Consult tax professional

International Coaches

  • Tax forms vary by country

  • Comply with local tax laws

  • Withholding may apply

  • Consult local tax advisor

Deductible Expenses

Common Coaching Expenses:

  • Zant platform fees

  • Certification programs

  • Professional development

  • Home office (if applicable)

  • Software and tools

  • Marketing and advertising

  • Professional insurance

Revenue Analytics

Performance Insights

Track Over Time:

  • Monthly revenue trends

  • Growth rate month-over-month

  • Seasonal patterns

  • Client acquisition cost vs. lifetime value

Revenue Goals

Set Targets:

  • Monthly income goal

  • Annual revenue target

  • Sessions per month goal

  • Client count goal

Track Progress:

  • Dashboard shows % of goal achieved

  • Visual progress bars

  • Alerts when goals reached

Financial Reports

Generate Reports:

  • Monthly income summary

  • Quarterly earnings report

  • Annual tax summary

  • Client revenue breakdown

Export Options:

  • CSV for Excel/Google Sheets

  • PDF for records

  • Date range customizable

Banking & Security

Bank Account Management

Adding Bank Account:

  • Done through Stripe Connect

  • Secure connection

  • Verification required

  • Can update anytime

Changing Bank Account:

  1. Go to Stripe Dashboard

  2. Settings > Bank Accounts

  3. Add new account

  4. Set as default

  5. Old account removed after verification

Security Features

Zant Security:

  • PCI compliant

  • SSL encryption

  • No card data stored on Zant servers

  • Two-factor authentication available

Stripe Security:

  • Bank-level encryption

  • Fraud detection

  • Secure API

  • Continuous monitoring

Troubleshooting

Payment not received:

  • Check payout schedule

  • Verify bank account active

  • Look for Stripe notifications

  • Contact support if delayed

Client says payment failed:

  • Have them check card details

  • Try different payment method

  • Check if card has restrictions

  • Contact Stripe support

Incorrect payout amount:

  • Review transaction history

  • Check for refunds or adjustments

  • Verify platform fee tier

  • Contact support with transaction ID

Can't connect Stripe:

  • Clear browser cache

  • Try different browser

  • Ensure popup blockers off

  • Contact support for assistance

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