Industries / High-ticket coaching
High-ticket on Stripe carries reserves. Settle has none.
Coaches, course creators, masterminds, info-product sellers with $5k+ AOV. 0.5% per transaction. Final settlement removes the buyer's-remorse chargeback that ends most coaching merchant accounts.
Cost
The math.
| Stripe / typical card processor | Settle | |
|---|---|---|
| Per-transaction fee | 2.9% + $0.30 | 0.5% |
| Effective fee on $10k sale | $290.30 | $50.00 |
| Chargeback exposure | 100% of sale, up to 540 days | 0% |
| Reserve trigger | >1% chargeback rate = 25% × 90d hold | None |
| Settlement time | T+2 to T+7 | ~2s on Base |
| International buyers | Cross-border surcharge | Same fee, anywhere |
Objections
The trade-offs, stated honestly.
What's the savings on a $10k course?
Stripe takes $290.30. Settle takes $50. That's $240 per sale. At 100 sales, $24,000. Plus you remove the 1.5% baseline chargeback rate — another $150 per sale in reversals and fees.
Will users actually pay $10k in stablecoin?
Several already do. Crypto-native and crypto-curious buyers in coaching skew higher-net-worth and more comfortable with USDC. Offer it as the discounted payment option (you can pass some of the savings on) and watch the take rate.
What if the user wants a refund?
There aren't any on Settle. Disclose your refund policy in your terms — handle it out of band if you choose to (store credit, a manual reverse transfer). Most high-ticket disputes are buyer's-remorse 60 days in; on Settle that vector simply does not exist.
Trade-off?
Half your buyers won't have a wallet. Run Settle alongside Stripe; the buyers who pay in stablecoin save you 2.4% in fees and 100% of chargeback risk. The rest pay the way they always did.