Upfront payments
An Upfront payment refers to an advance Payment of the Joining fee, Access card fee and Partial payment (a pro-rata Partial payment for days not included in a Billing cycle) when a Member applies for a 
Membership.
A Membership will have an option to make an Upfront payment for their Joining fee, Access card fee, and Partial payment, or to add this to their first Direct-debit transaction.
Paid-in-full payments
Paid-in-full Payment options are used when a Membership is paid-upfront (in full) using cash, EFTPOS, credit card or a debit card.
Paid-in-full otherwise known as Term memberships will always have an End date.