The short answer
A voluntary neighborhood association can't chase dues the way a club with mandatory assessments can — there's no lien to file, just an ask, made well, at a time that's easy to say yes to. Getting that ask online removes most of the friction that keeps people from paying at all.

What "online and voluntary" looks like
- A page on the association's own website where a neighbor joins and pays in a couple of minutes — no account required to look at it first.
- Dues that renew on their own each year, with a reminder before the date and a follow-up if a card is declined.
- A roster that updates itself as people pay, instead of a volunteer transcribing checks into a spreadsheet.
- Money that lands in the association's own bank account through its own Stripe connection — kept apart from anyone else's.
None of this requires the association to become anything more formal than it already is. It's the same voluntary ask, made in a place people can reach from their phone, with the bookkeeping happening on its own instead of in somebody's evening.
A useful gut check: could a neighbor who wants to pay do it right now, without emailing anyone first? If the honest answer is no, that's the gap costing the association its dues, not a lack of neighborly goodwill.