Coaches, agencies, and course creators shouldn't be paying 3.5%+ for payment processing. Through our exclusive partnership with Whop, we offer 2.7% flat, with volume discounts that go even lower. Watch the video to see why high-ticket businesses are switching.
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If your average transaction is $500+ and your product is knowledge, transformation, or services, this is your processing solution.
1-on-1 coaching, group coaching, mastermind programs, accountability groups, these are high-ticket programs with recurring billing, payment plans, and high AOV transactions.
Online courses, digital products, membership sites, and communities, whether you're selling a $47 course or a $5,000 program, we handle the full range.
Retainers, project fees, performance bonuses, and agency billing is complex. We process recurring retainers and one-time project payments without the friction.
Business consulting, fractional executives, professional services, high-ticket engagements that need clean invoicing and reliable payment collection.
Live events, virtual summits, paid workshops, retreat tickets, and event-based businesses with high refund exposure need a processor that can handle the volume spikes.
Software platforms, subscription communities, recurring memberships, with predictable MRR billing with dunning management and failed payment recovery.
Whop isn't a generic payment processor. It's infrastructure built specifically for digital businesses and creator economy transactions.
No 2-week underwriting process. No mountains of paperwork. Get approved and start processing within 24 hours through our Whop partnership pipeline.
Traditional high-risk processors hold 5-10% of your revenue for 6 months. With Whop, your money is your money. No holdbacks, no delayed settlements.
Start at 2.7% flat. As your monthly volume grows, your rate drops. We negotiate volume tiers on your behalf so you always get the best rate for your scale.
Checkout pages, subscription management, affiliate tracking, analytics. Whop's platform gives you the commerce infrastructure without bolting on 5 different tools.
| Holistic + Whop | Stripe | Typical High-Risk | |
|---|---|---|---|
| Processing Rate | 2.7% | 2.9% + 30¢ | 4-6% + fees |
| Rolling Reserve | None | None* | 5-10% for 6 months |
| Account Stability | Built for startups | 25% reserves + freezes | Varies widely |
| Onboarding Time | Instant | Instant (until they shut you down) | 2-4 weeks |
| Volume Discounts | Yes, negotiated | Enterprise only | Rarely |
| Commerce Tools | Checkout, subs, affiliates | Payment links only | Gateway only |
*Stripe reserves the right to hold funds and has a track record of freezing high-ticket service accounts without notice.
Coaching, consulting, and high-ticket service businesses typically pay 2.7% to 5% depending on your average transaction size, monthly volume, and business model. Established businesses with clean processing history qualify for the lower end.
Large transactions trigger fraud filters at the issuing bank level. A $5,000 charge looks different to a fraud algorithm than a $50 charge. 3DS2 authentication, proper billing descriptors, and processing through acquiring banks accustomed to high-ticket volume reduce decline rates significantly.
Yes. Many payment gateways support recurring billing that lets you split a $5,000 program into $417/month installments processed directly through your merchant account. You keep control of the terms and avoid the 5-7% BNPL provider fees.
Clear refund policies displayed before purchase, 3DS2 on every transaction, Ethoca/Verifi alert services, and proper delivery documentation (login records, session attendance, content access logs). Refund-on-request policies within a reasonable window also prevent disputes from becoming chargebacks.
If your platform handles payment processing, you may not need a separate account. But platform processing has limits: higher fees, less control, and potential account restrictions as you scale. Having your own merchant account gives you redundancy and better rates at higher volume.
High-ticket service businesses have the fastest approval timeline of any category we work with. 1-3 business days is typical because the risk profile is cleaner than regulated product verticals. We pre-build your compliance file so you can start processing immediately after approval.
Tell us about your business and we'll get you set up through our Whop partnership. Most merchants are processing within 24 hours.
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