High-ticket coaching

Why High-ticket coaching businesses are considered High-Risk?

High Transaction Values:

  • Coaching services can often cost thousands of dollars, making them attractive targets for fraudsters and scammers.


Digital Product Vulnerability:

  • Coaching services are digital products, which makes them vulnerable to chargebacks and disputes.
  • Chargebacks occur when a customer disputes a transaction with their bank, and if the bank decides in favor of the customer, the merchant is responsible for refunding the transaction and any associated fees.

High chargeback rates:

  • Due to the high cost of coaching services, customers may be more likely to dispute charges, resulting in a higher rate of chargebacks. This can be a major issue for merchants, as excessive chargebacks can result in account termination or higher fees from payment processors.


Limited regulations:

  • Unlike physical products or services, there are few regulations governing the coaching industry, making it easier for fraudulent merchants to operate. This lack of regulation can also make it difficult for legitimate merchants to distinguish themselves from fraudulent ones, leading to more chargebacks and fraud claims.

Mitigation measures for High-ticket coaching merchants to reduce risks when selling online

  • Use a secure payment gateway: Merchants should use a payment service provider that specializes in high-risk industries, such as high-ticket coaching. The payment gateway should have strong fraud prevention tools, such as 3D Secure, that provide an extra layer of protection against fraudulent transactions.

  • Conduct identity verification: Merchants should verify the identity of customers before accepting payments. This can be done by requesting a government-issued ID or a utility bill. This step can help prevent fraud and chargebacks by ensuring that the person making the payment is the actual cardholder.

  • Implement chargeback alerts: Merchants should set up alerts to notify them when a chargeback is initiated. This can help merchants respond to disputes quickly and efficiently, and prevent excessive chargebacks.

  • Have clear refund policies: Merchants should have clear and transparent refund policies that are easily accessible to customers. This can help reduce the number of chargebacks and disputes by providing customers with an alternative to initiating a chargeback.

  • Provide excellent customer support: Merchants should provide customers with access to customer support to resolve any issues quickly. Providing excellent customer support can help reduce the likelihood of disputes and chargebacks, and increase customer satisfaction.

Being a high-risk merchant vs. a regular merchant

  • Higher payment processing fees
  • Lengthier application process
  • Higher chargeback fees
  • Cash reserve requirments:
    • Capped reserve
    • Rolling reserve
    • Upfrom reserve
  • Volume caps
  • Additional technical requirements
  • Being on the TMF / MATCH list


Check out our knowledge hub to learn more about what processing fees, application process, chargebacks and cash reserve requirements or TMF / MATCH list mean. 

Other risk factors?

There may be other risk factors as to why you as a High-ticket coaching merchant are classified as a high-risk merchant, such as:
  • Accepting subscription-style payments

  • Being on the Member Alert to Control High-Risk Merchants, or MATCH list — a list managed by Mastercard that monitors merchant behavior, like chargeback history

  • High average transaction sizes

  • High sales volumes

  • Highly regulated industries

  • International sales

  • Large number of card-not-present transactions

  • Little to no business experience

  • Long fulfillment time frames

  • New or poor credit scores

  • Past fraud or illegal activity

As high-risk High-ticket coaching merchant how to find a payment provider?

It takes effort for businesses to secure a payment processing partner when they are considered high-risk but it is definetly possible to find the right payment solution if you focus on:

  • Maintaining healthy cash levels. Most processors would like to see a healthy cash level in your business bank account. 
  • Try to reduce chargebacks. There could be a number of factors behind the soaring number of chargebacks in your business. Whatever the reasons may be, you can always analyze them and try to reduce your chargebacks.
  • Be transparent. Disclose all materials and relevant information during the application process. Payment processors may ask you for very detailed information about your business and finances. Be open, honest, and transparent.
  • Keep your documents ready. This could mean having six months of bank statements and a few years of tax returns. That said, each processor has its own set of requirements so make sure to check them.
  • Follow the guidelines of your payment processor. When you apply for a high-risk payment solution, besides your business needs, the risk the payment solutions provider takes also matters. So, be flexible and see if there are things you can do to reduce your risk by discussing with them and following their recommendations.

Our Platform will find the right payment solution for your business

Our biggest differentiator? 

We provide payment solutions for merchants with a 90% Succes Rate by Algoritmic matching and pre-KYC onboarding in each industry and region globally.