High-ticket coaching gets flagged for two reasons: the card networks call it "future delivery," and refund fights turn into chargebacks. A written curriculum, a dated delivery schedule, and a refund policy you actually follow turn your program into something an underwriter can price — usually same-week.
Established coaches with clean statements run ~3.2–3.9%. First-time high-ticket sellers may start with a small reserve that releases on schedule.
Your offer page, contract, refund terms, and delivery calendar. Payment plans? Show the installment schedule — banks prefer it to one $15k hit.
"Results guaranteed" copy. It converts students and loses disputes. We'll flag the three phrases underwriters screenshot before you sign anything.