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Dash Process

Recurring & direct response

Coaching and digital products merchant accounts

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

Commonly assigned MCC

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

The short version

A four-figure coaching programme 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

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

What we put in place

  • High-ticket approval with per-transaction limits set to your real average
  • Instalment 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.

  • Programme 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

On this account

What a boarded account in this vertical usually carries.

Next

E-commerce

Tell us about your coaching & info business.

We will tell you whether a route exists right now, which acquirers are writing the category, and what your file needs before it goes anywhere.

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