Online education is a huge, legitimate market that processors nonetheless review carefully — because the category shares a border with 'business opportunity' and 'get rich quick' offers, which are unbankable almost everywhere. Courses, coaching programs, certifications, and self-help publications get approved when delivery is real and claims are honest; they get declined when the pitch promises income. Centurion places course and coaching businesses on the right side of that line.
The billing models are distinctive: high-ticket payment plans, cohort enrollments with future start dates, evergreen course libraries, and membership communities — each with its own dispute exposure that underwriters want addressed.
A working course platform with actual lessons, materials, and student access — not a sales page and a promise. Delivery evidence is also your dispute defense.
Skill and knowledge claims are fine; income and earnings guarantees move the file into business-opportunity territory that acquirers decline. Earnings disclaimers matter.
$2,000–$25,000 programs mean each dispute is material, and issuers scrutinize large card-not-present charges. Verification and documented consent at purchase protect both sides.
Cohorts starting weeks later, and 12-month programs, create future-service exposure — the same concern underwriters have with any prepaid long-term commitment.
Education disputes cluster in two places. First, buyer's remorse on high-ticket purchases — often weeks in, framed as 'not as described.' The defense is documented curriculum, access logs showing consumption, terms accepted at checkout, and a published refund window applied consistently. Second, payment-plan defaults dressed up as disputes when a student stops paying but keeps access; clear plan terms and access-suspension policy prevent most of that.
Merchants who publish a real refund window and honor it quickly consistently run lower dispute ratios than merchants who refuse all refunds — a refund costs less than a chargeback and doesn't threaten the account.
We review your offer and claims before underwriting does, structure payment plans and cohort billing so the exposure is understood upfront, and place the file with acquirers that board digital education. Processing options may be available depending on underwriting, business model, location, processing history, and other factors.
Course and coaching files are delivery and claims files:
Documentation requirements vary by processing partner and business model. This list is a general guide, not a universal checklist.
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Speak with Centurion Payment Services about your business model and available processing options. Processing options are subject to underwriting and vary by business model, location, and processing history.