PAYFULL

Industries

We go where others don’t.

High-ticket, high-consideration, and frequently "high-risk." If your business gets auto-declined by mainstream processors or turned down for BNPL because of your MCC, you’re exactly who we built this for.

Health & Wellness

Telehealth

Get patients financed for programs insurance won't cover

Typical ticket: $500–$15,000

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Weight Loss & GLP-1

Multi-month protocols, paid over multi-month terms

Typical ticket: $1,000–$12,000

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Med Spas & Aesthetics

Package pricing that closes at the consult, not "let me think about it"

Typical ticket: $1,500–$25,000

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Dental & Orthodontics

Financing for the treatment plan, not just the cleaning

Typical ticket: $2,000–$30,000

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Cosmetic & Plastic Surgery

Elective procedures, financed at the price they actually cost

Typical ticket: $5,000–$50,000

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Hair Restoration

Transplants and long-term protocols financed over 24–36 months

Typical ticket: $4,000–$20,000

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Fertility & IVF

Cycle-based financing for treatments insurance rarely covers

Typical ticket: $12,000–$50,000

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Mental Health & Recovery

Intensive outpatient and recovery programs, made affordable

Typical ticket: $3,000–$40,000

Coming soon

Veterinary

Emergency and specialty care, financed at the counter

Typical ticket: $500–$15,000

Coming soon

Coaching, Education & Services

Online Coaching & Mentorship

The vertical every processor declines. We get it approved.

Typical ticket: $2,000–$50,000

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Business & Sales Coaching

Close the high-ticket offer on the call, not after the wire clears

Typical ticket: $3,000–$50,000

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Masterminds & Group Programs

Annual programs paid monthly, funded to you upfront

Typical ticket: $5,000–$100,000

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Trading & Investing Education

Restricted almost everywhere. Approvable with the right underwriting.

Typical ticket: $1,000–$25,000

Coming soon

Real Estate Education

Bootcamps, mentorships, and licensing programs

Typical ticket: $2,000–$40,000

Coming soon

Trade Schools & Bootcamps

Tuition financing without a Title IV apparatus

Typical ticket: $5,000–$30,000

Coming soon

Agencies & Done-For-You

Retainers and build-outs, financed or split

Typical ticket: $2,000–$50,000

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Home & Big-Ticket Services

Solar & Home Improvement

Long-term financing that makes the monthly payment the pitch

Typical ticket: $10,000–$75,000

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HVAC, Roofing & Remodeling

Approve at the kitchen table, not three days later

Typical ticket: $5,000–$60,000

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Wellness Devices

Saunas, cold plunges, red light, recovery equipment

Typical ticket: $2,000–$25,000

Coming soon

Financial & Professional Services

Credit Repair & Debt Resolution

Among the hardest MCCs to place. We place them.

Typical ticket: $500–$10,000

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Tax Resolution & Accounting

Engagement fees, financed over the resolution timeline

Typical ticket: $1,500–$25,000

Coming soon

Legal & Immigration Services

Retainers paid over time, funded to the firm upfront

Typical ticket: $2,000–$50,000

Coming soon

Insurance & Financial Advisory

Recurring billing built for regulated sellers

Typical ticket: Varies

Coming soon

Retail, Travel & Experiences

Luxury Retail & Jewelry

High-AOV goods with financing at the point of decision

Typical ticket: $1,000–$50,000

Coming soon

Powersports, Marine & Auto

Vehicles, parts, wheels, and performance work

Typical ticket: $2,000–$75,000

Coming soon

Travel, Retreats & Events

Deposits now, balance over time, funded to you today

Typical ticket: $1,000–$30,000

Coming soon

Not on the list?

This list isn’t exhaustive — it’s just what we get asked about most. If you sell something expensive and you’re tired of being told no, tell us what it is. Most “restricted” businesses turn out to be approvable with the right bank and the right file.

Some categories we can’t serve — see our Acceptable Use Policy.