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Dash/Process

Recurring & direct response

Standard program

Coaching and digital products payment processing

High-ticket programs with no physical delivery are difficult to defend in representment, which is what drives the pricing.

Commonly assigned MCC

8299 · 5817 · 5734

The category actually assigned is set at boarding and can differ from these.

Reviewed

The short version

A four-figure coaching program has everything an acquirer dislikes in one transaction: a large ticket, no tracking number, delivery over months, and an outcome the customer may feel was not achieved. Service-not-as-described disputes are hard to win without evidence built before the sale.

The merchants who do well here treat evidence collection as part of the product: signed agreements, logged session attendance, timestamped content access. That file is what wins representment.

What is actually being priced

What underwriting is looking at.

No shipment evidence

Compelling-evidence rules were written around physical delivery, so digital merchants have to construct an equivalent.

Outcome expectation

Marketing that implies a result creates the gap a dispute is filed into.

Payment plans

Installment structures extend the dispute window across the whole plan rather than the first charge.

What their lists say

Stripe, Square and PayPal on coaching & info.

Their own published policies, quoted verbatim and dated, next to where the category stands with our acquiring partners.

Stripe

Not listed

Not named. 'Get rich quick' schemes and businesses that 'make outrageous claims' are prohibited.

Square

Not listed

Not named. 'Up-sell merchants' and 'membership clubs' are listed.

PayPal

Not listed

Not named. 'Get rich quick' schemes are prohibited.

Dash Process

Standard program

High-ticket approval with limits set to your real average, installment billing, and evidence capture from onboarding.

What we ask for
All twenty categories, with sources

In the product

What your application looks like from your side.

The same five stages we publish on the site, a named contact, and the document list for coaching & info in one place — received, requested, or not needed.

How it works
Meridian Botanicals/Application
Sandbox
  1. Apply
  2. Underwriting
  3. Approve
  4. Integrate
  5. Live

Underwriting in progress

Acquiring review · Coaching and digital products program · MCC 8299

In review

Documents · 3 of 4 received

  • Program pricing, including payment plansReceived
  • Client agreement and refund policyReceived
  • Delivery model and how access is loggedReceived
  • Marketing pages and any outcome claimsRequested
Illustrative · figures are fictional, not a quote

What we put in place

  • High-ticket approval with per-transaction limits set to your real average
  • Installment and payment-plan billing on the gateway
  • Evidence capture wired into onboarding so representment has a file
  • Pre-dispute alerts with automatic refund thresholds

What underwriting will ask you for

Assemble these before you apply anywhere. The list does not get shorter by waiting, and having it ready is the single biggest thing you control about how long this takes.

  • Program pricing, including payment plans
  • Client agreement and refund policy
  • Delivery model and how access is logged
  • Marketing pages and any outcome claims
Why each document is on the list

Questions

About coaching & info.

A single dispute on a large ticket is a large loss, and default per-transaction limits are set for retail. We set limits to your actual average and structure installment billing so a payment plan does not read as a series of anomalies.

On this account

What an account in this vertical usually runs on.

Next

E-commerce

Tell us about your coaching & info business.

We will tell you which of our acquiring partners writes it and what your file needs before it goes anywhere.

Get approvedAsk a questionor call (347) 594-9686