Industry solution
Payment processing and BNPL for Agencies & Done-For-You
Retainers and build-outs, financed or split
Apply Now →What payment problem do Agencies & Done-For-You businesses face?
The payment challenge is specific to the way this business sells, its ticket size, and the review it may receive.
A done-for-you agency may collect a strategy fee, an implementation fee, and a monthly retainer, while the customer expects the scope and payment timing to be clear before work begins. Sending a large initial invoice after a sales call can slow the handoff from sales to onboarding.
The payment setup also has to match a service that is delivered in milestones rather than shipped in a box. Underwriters may need to understand the statement of work, recurring authorization, onboarding timeline, and cancellation or refund terms behind each charge.
How can Agencies & Done-For-You businesses make checkout more flexible?
PayFull brings payment paths and operational context together, subject to the business and underwriting.
More ways to pay
Present appropriate card, wallet, bank-payment, and financing paths in one checkout.
A stack built around the ticket
Match the payment conversation to a typical $2,000–$50,000 purchase without promising a particular option.
A conversation before assumptions
Review the business, customer journey, and payment needs before discussing what may be available.
Which financing options are typically considered at this ticket size?
These are options typically considered at this ticket size, not a statement of provider availability. Availability depends on the business, its history, and underwriting; financing is subject to credit approval.
Affirm
A potential checkout option to discuss for this ticket range. Affirm availability for Agencies & Done-For-You depends on the business, its history, and underwriting.
View Affirm details →SplitIt
A potential checkout option to discuss for this ticket range. SplitIt availability for Agencies & Done-For-You depends on the business, its history, and underwriting.
View SplitIt details →What could a typical payment illustration look like?
This example shows the math for a hypothetical purchase, not an offer from a named provider.
Assumption: $2,000 financed over 24 months at 24% APR: approximately $105.74/month.
Illustrative example. Actual rates and terms vary by provider and applicant and are subject to credit approval.
What compliance context matters for Agencies & Done-For-You?
Payment processing should fit the business’s customer-facing practices and its own obligations.
Describe the scope, implementation milestones, recurring charges, cancellation terms, and refund policy consistently across the proposal, checkout, and customer agreement. This information is not legal advice; businesses should obtain qualified review of their own advertising, contract, consumer-disclosure, and payment practices. Do not make unsubstantiated earnings, return, or performance claims.
Common Agencies & Done-For-You payment questions
Direct answers to the questions operators commonly raise before discussing a payment stack.
Why can agency onboarding create a payment issue?
An agency may collect an initial project charge before recurring work begins, so the proposal, authorization, and onboarding schedule should describe the same arrangement.
What may underwriting review for a done-for-you agency?
Review may include the website, service scope, customer agreement, implementation timeline, recurring-billing authorization, cancellation terms, and refund policy.
Can a financing option be promised for an agency client?
No. Availability depends on the business, its history, ticket size, and underwriting. Financing is subject to credit approval.
Can an agency keep card and bank-payment paths at checkout?
A payment stack can include multiple checkout paths, subject to the options available for the business and the customer.
Does payment processing validate an agency's marketing claims?
No. The business remains responsible for its own marketing and customer-facing claims.
Related industries
Explore payment considerations for adjacent high-ticket businesses.
Online Coaching & Mentorship
The vertical every processor declines. We get it approved.
Explore industry →Business & Sales Coaching
Close the high-ticket offer on the call, not after the wire clears
Explore industry →Financing disclosures
- All financing is subject to credit approval. Ranges shown are typical; every provider sets limits per customer and per merchant, and approved amounts, terms, and rates vary by applicant.
- Availability of any given provider depends on your industry, ticket size, and underwriting outcome. Not every provider is available to every merchant.
- PayFull is not a lender or a bank. Loans and financing are originated by the lending partners named above.
- Originating lenders: Affirm: Affirm's lending partners; Cross River Bank, Sutton Bank, or Celtic Bank.
- SplitIt is not a loan and not a BNPL product in the lending sense. It places an authorization hold against the available credit on the customer's existing credit card and charges installments to that card over time. That's why there's no application, no credit check, and no interest — but it also means the customer needs enough available credit to cover the entire purchase at checkout, the merchant is funded per installment rather than upfront, and chargebacks work like any normal card transaction. Debit cards and prepaid cards are not supported. Visa and Mastercard are accepted; Amex, Discover, and UnionPay depend on the merchant.
Start accepting payments the way your business actually sells.
Set up in days, not months. White-glove onboarding included on every plan.
Talk to us before you commit to anything.