Why this is classified high risk
Coaching is restricted across most aggregators because of FTC scrutiny on earnings claims, high refund rates on emotional-buy admissions, and elevated chargeback potential when results don't materialize. Stripe shuts down coaching merchants regularly after the first cluster of refunds.
Real placement uses acquirers familiar with the high-ticket coaching model. Underwriting looks at refund policy clarity, earnings-disclaimer prominence, and your ability to honor cancellation requests inside the disclosed window.
Features included
$2K–$50K admissions underwritten from the start — no surprise per-auth caps.
Split-pay 3/6/12 month plans plus monthly continuity tokens on one MID.
Affirm / Klarna integration lifts mastermind conversion by 25–40% on $5K+ offers.
Drop-in integrations with ClickFunnels, Kajabi, Thrivecart, Kartra, and high-ticket-specific CRMs.
Underwriting documents you'll need
- Merchant application + voided check
- Last 3 months bank + processing statements
- Sample coaching agreement / engagement letter
- Refund + cancellation policy
- FTC-compliant earnings disclaimer (if applicable)
- Sales funnel walkthrough video or screenshots
Pricing factors
Coaching pricing ranges 2.95% – 4.45% + $0.25 depending on average ticket, refund ratio, and earnings-claim profile. Reserves typically 5–10% rolling 180 days for newer coaches; 0–5% for established programs.
BNPL adds 4.5–6% to those transactions but lifts overall conversion enough on $5K+ offers to be net-positive.