Coaches and course sellers get held for “future delivery” risk. Structure approves high-ticket programs, memberships, and payment plans — with the reserves and terms spelled out up front.
Coaching and consulting businesses take large payments for outcomes that depend partly on the client. That combination — high ticket values and subjective results — makes ordinary processors nervous.
Structure Payments underwrites the category directly, so a high-value program, a payment plan or a membership does not put your ability to take payments at risk.
If you sell expertise, we can underwrite the payments for it.
The refund dynamics of outcome-based services are what drive the classification.
A single program can be worth thousands, so one chargeback carries the weight of many ordinary retail disputes.
Clients can request refunds when results are not achieved, even where the service was delivered exactly as described.
Financial institutions look at aggregate refund rates, and coaching businesses often sit above the threshold they are comfortable with.
Where clients expect a guarantee, dissatisfaction converts into disputes more readily than in product sales.
Outcomes depend on the client doing the work. When they do not, the service provider is frequently blamed — and disputed.
Splitting a high-ticket program across payments is standard practice here, and the account is underwritten for it rather than flagged.
No drawn-out underwriting theatre. A real person, a real timeline, a real approval.
One short form and a quick document upload. Your dedicated rep reviews it the same day — no call-center runaround.
We match you to the right banking relationship and gateway for your industry, chargeback history and volume.
Credentials, gateway and cart integration go live. You're accepting cards — usually within about 48 hours of applying.
Yes. Coaching and consulting businesses can be approved through a high-risk processor, including those selling high-ticket programs and instalment plans. Structure Payments underwrites the category directly, with most accounts live in about 48 hours.
Because transactions are high in value and the outcome is partly dependent on the client. Refunds are requested when results are not achieved, and the resulting refund and chargeback volumes sit above what mainstream processors accept.
Yes. Instalment and payment-plan billing is supported as standard, alongside memberships and recurring program fees.
Possibly, depending on your volume, ticket size and dispute history. Where a reserve applies, the terms are set out in writing up front rather than imposed after you have started processing.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.