Built for courses, coaching, and high-ticket programs.
Digital courses, coaching programs, masterminds, and certification — with underwriting that expects card-not-present and high-ticket sales.
A $5,000 course sale should not trigger a freeze
Coaching and online education sit in a weird spot: they're not quite retail, not quite service, and the tickets are often high. A $5,000 mastermind sale or a $1,200 certification looks like fraud to a generic processor. Add installment plans, digital delivery, and refund-policy disputes, and most flat-rate processors freeze the account within the first quarter. We underwrite education and coaching with the real ticket profile in mind — high-ticket sales, installment billing, and documented refund policies — so a good launch month doesn't end with a reserve.
The right program for this category
Cash Discount / Dual Pricing (where compliant)
Our first-choice program for this category.
Interchange-Plus for subscription or installment-based models
Honest pass-through alternative — no surprise markups.
Coaching and course sales are card-not-present with long service delivery windows, which generic processors treat as high-risk. Interchange-plus works cleanly for most coaches and course creators. For high-ticket mastermind or certification programs, we underwrite the account with realistic ticket sizes so a $5,000 course sale doesn't trigger a freeze.
Category-specific safeguards
- Proper MCC placement for education and training services
- High-ticket authorization configured at underwriting
- Chargeback management for refund-policy disputes
- Subscription and installment billing with proper consent records
Common questions
Can we offer 3-pay or 12-pay on our courses?
Yes. We support installment billing with tokenized card-on-file and automatic retry logic on failed payments.
What if someone disputes after getting the content?
Digital-delivery chargebacks are a known category pain point. We include chargeback representment and help you document delivery, access, and refund-policy acceptance to defend disputes properly.
We run a $10,000 mastermind. Is that a problem?
Not with proper underwriting. High-ticket coaching is a legitimate category — the key is setting authorization thresholds and chargeback expectations up front so the account doesn't freeze after a big sale.
Ready for a real quote?
Send your last statement. A specialist returns the math and the program that fits your business — usually the same day.