For existing members, once you have gone through the lengthy set up process, it processes payments automatically for you, but making changes is very difficult. It is easier to just use the payment gateway provider directly and use a manual system to track it.
They did have financial reporting - but I found them to be more trouble than they were worth, but I am a Chartered Accountant and might just have standards that are above minimalistic offering available on Zen Planner.
It is extreemley difficult for parents to book classes for their kids, especially for more than one child, for more than one day - as the calendar defaults to the parent -with no classes as they don't have a membership. They need to change to the first child then click on one class then reserve a place, then go back to the start for the next class & child.
Also for automations to work the child needs an email entered, and you can't use the same email as the parent, or link them to the parent. Apparently this change is too difficult as many members asked, but they won't fix it. When the automations don't work, parents think there is an error and start another registration, which creates many duplicate records in the database. Manually combining them, updating profiles, and manually sending the "automated" emails takes more time than just doing it manually.
The skill tracking system is also very badly designed, it is almost unusable, and takes a huge amount of time to enter if you want to record results against all the skills a martial arts student needs to know in a single session, such as a grading or pre-grading. Members can't even see what skills they need to pass if no results are previously entered, or a summary of their skills.