Payment processing built for coaches and consultants. High-ticket approvals, 3-pay/6-pay plans, subscriptions, chargeback protection. No frozen funds.
High-ticket coaching breaks normal payment processing. A $5,000–$50,000 program sold over the phone or a webinar is exactly the transaction profile that makes Stripe and PayPal freeze accounts: large card-not-present charges, future service delivery, and payment plans that stretch months. Onyx Processing underwrites coaches and consultants in-house, approving high-ticket offers on their actual merits — your sales process, refund policy, delivery model, and dispute history.
Onyx natively supports the billing structures coaching businesses run on: pay-in-full, 3-pay and 6-pay installment plans, monthly memberships and masterminds, and hybrid deposits. Funds aren't frozen when a big payment lands, and chargeback protection helps you document delivery and win disputes.
| Onyx Processing | Stripe / PayPal | |
|---|---|---|
| High-ticket approvals ($5k–$50k+) | Underwritten and pre-approved | Frozen after first large charge |
| 3-pay / 6-pay installment plans | Native support | Manual invoicing workarounds |
| Fund holds | No surprise freezes | 30–120 day holds common |
| Chargeback defense | Delivery documentation support | Automated, low win rates |
| Sales-call payments (MOTO) | Supported virtual terminal | Flagged as high-risk |
Coaching chargebacks are usually 'services not received' or buyer's remorse claims. Onyx helps you build a defensible paper trail: signed agreements with clear refund terms, module-completion and login records, call attendance logs, and clear billing descriptors. Merchants who follow our documentation playbook win the majority of friendly-fraud disputes.
Aggregators flag large card-not-present transactions with future delivery — the definition of a high-ticket coaching sale. A few
Yes. Onyx natively supports 3-pay, 6-pay, and custom installment schedules, plus recurring membership billing for masterminds and communities. Installments run automatically with smart retries on failed payments, and clear plan terms at checkout keep disputes down.
Onyx underwrites coaching offers from a few hundred dollars to $50,000+ per transaction. During underwriting we document your offer, sales process, and refund policy so your approved ticket ceiling matches how you actually sell — no more artificially splitting charges to stay under aggregator limits.
Use signed enrollment agreements with explicit refund terms, keep delivery evidence (login records, session attendance, module completion), use a recognizable billing descriptor, and respond to every dispute with documentation. Onyx provides chargeback alerts so you can resolve complaints before they become disputes, plus templates for winning responses.
Yes. Onyx supports MOTO (mail order/telephone order) processing through a virtual terminal, so closers can take cards on sales calls compliantly. We'll set up your account for card-not-present acceptance with appropriate fraud screening during underwriting.
Most coaching businesses are approved within 24–48 hours with complete documentation: your offer details, website or funnel, refund policy, and prior processing statements. Onyx underwrites in-house, so approval doesn't wait on an outside bank.