How do I take card payments for coaching, consulting or design?
The problem“I sell coaching and design work. Every payment platform I try says services aren’t allowed.”
Package the service at a fixed price and sell it through a Merchant of Record that accepts services. Paddle, Lemon Squeezy and Stripe’s own Merchant of Record product all exclude human services. AgentaOS sells fixed-price packages and monthly retainers by card, once approved.
Which platforms refuse services?
- PaddleBuilt for software
Pure consulting, coaching or IT services are prohibited unless tied to software.
- Lemon SqueezyDigital goods only
“Services of any kind” are prohibited, including design and consulting.
- Stripe Managed PaymentsDigital products only
Excludes professional services, and is open only in 35 locations.
“If your service involves human intervention (such as live 1-1 coaching), it doesn’t qualify”
Source: Stripe docs, Managed Payments
How do I turn a service into something buyable?
- Fix the scope: what is delivered, how many rounds, by when. “Brand kit, 5 days, €450.”
- Fix the price: one-time for projects, monthly for retainers. How to price packages.
- Create the checkout link and send it with your proposal.
- Deliver, then invoice is automatic: the buyer gets a receipt and you get a payout statement.
What should I avoid?
- Selling open-ended hoursPlatforms approve packages with a clear scope; “consulting, any amount” gets rejected.
- Listing a service as a digital downloadIt breaks the platform’s rules and gets the account closed.
Where does AgentaOS fit?
AgentaOS accepts productized services and monthly retainers, sold by individuals or companies in 86 countries, at 4.5% + €0.50 per card sale; international cards +1.5%.
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Related questions
Can I charge a monthly retainer?
Yes. It runs as a subscription until either side cancels.
Can I still invoice by bank transfer?
Yes, bank transfer on EUR sales costs 1.5%.
Know what to charge before you launch
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€0 account, no cardSell as an individual or a company