A complete guide for treasurers: AvtaleGiro, Vipps, eFaktura, OCR/KID — what works, what doesn’t, and how to reduce payment reminders.
In short: Norwegian clubs and associations use four methods to collect membership fees: AvtaleGiro, eFaktura, Vipps and OCR/KID. You get the best results by offering several methods, sending the invoice early in the season and using automatic reminders after 14 and 30 days. This guide takes you through what actually works in 2026.
Which payment methods should I offer?
The four methods cover different preferences:
- AvtaleGiro — the member says yes once, then the rest happens automatically every year. Best for organisations with a high renewal rate.
- eFaktura — straight to online banking, approved with one tap. Works for both individual and corporate members.
- Vipps — the Norwegian standard. Without Vipps you lose younger members. Rubic charges 2.5% + NOK 3 per Vipps payment and 2.5% + NOK 2 per card payment.
- OCR/KID — a structured reference number that is automatically matched to the member. A flat NOK 15 per payment in Rubic.
How much do I save with automatic reminders?
Manually chasing payments typically takes 3–5 minutes per member who has not paid. For a club with 300 members and 8% late payments, that adds up to 2 hours of board time each round. With automatic reminders after 14 and 30 days, most of it takes care of itself — you only deal with the few who need individual follow-up.
When in the year should I send out the invoice?
Three rules:
- For seasonal sports (football, skiing): 4–6 weeks before the season starts
- For year-round activities (choirs, bands, hobby clubs): early January
- For associations with an annual membership fee: right after the annual general meeting (typically March)
An early invoice gives a longer payment deadline and a lower reminder rate.
How do I deal with members who don’t pay?
Three levels of follow-up:
- After 14 days: A friendly reminder by email + SMS
- After 30 days: A firmer reminder with a reminder fee
- After 60 days: Debt collection or termination of membership (depending on the articles of association)
The articles of association should specify what happens in the event of non-payment. Check whether you have a formal process before you turn to debt collection.
Can I offer discounts to families?
Yes, and it is a good recruitment strategy. Typical models:
- Family membership at a fixed price regardless of the number of family members
- Sibling discount (50% for the second child, 75% for the third)
- Graded pricing based on age (junior, youth, adult, senior)
What is the difference between a membership fee and a training fee?
The membership fee covers the running of the organisation — administration, insurance, membership of federations. It is typically the same for all members in the same category.
The training fee covers specific activities — pitch time, coach salaries, equipment for a particular group. It varies by team or activity.
Both should be handled in the same system so the board has a full overview of which members have paid what.