# Card Payments for Coaching, Consulting and Design Services

> Paddle, Lemon Squeezy and Stripe Managed Payments exclude services. How to sell service packages by card or monthly instead.

Source: https://agentaos.ai/answers/take-card-payments-for-services (canonical HTML page). Publisher: AgentaOS (Aristokrates OÜ, Estonia).

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Getting paid

# 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.

Reviewed by [Panche Isajeski](https://agentaos.ai/about), founder of AgentaOS, 19+ years in payments, [featured on Indie Hackers](https://www.indiehackers.com/post/tech/starting-from-scratch-and-hitting-9-5k-mrr-in-two-months-j5pMaED5FEbKw8qmeyj9). Checked 6 October 2026. General information, not financial, tax or legal advice.

[Check your country](https://agentaos.ai/countries)[Get started free](https://app.agentaos.ai/?src=answer-take-card-payments-for-services)

Who says no

## Which platforms *refuse services*?

1.  Paddle**Built for software**

    Pure consulting, coaching or IT services are prohibited unless tied to software.

2.  Lemon Squeezy**Digital goods only**

    “Services of any kind” are prohibited, including design and consulting.

3.  Stripe Managed Payments**Digital 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](https://docs.stripe.com/payments/managed-payments)

Step by step

## How do I turn a service into *something buyable*?

1.  **Fix the scope:** what is delivered, how many rounds, by when. “Brand kit, 5 days, €450.”

2.  **Fix the price:** one-time for projects, monthly for retainers. [How to price packages](https://agentaos.ai/pricing-productized-services).

3.  **Create the checkout link** and send it with your proposal.

4.  **Deliver, then invoice is automatic:** the buyer gets a receipt and you get a payout statement.

Common mistakes

## What should I *avoid*?

- **Selling open-ended hours**Platforms approve packages with a clear scope; “consulting, any amount” gets rejected.
- **Listing a service as a digital download**It breaks the platform’s rules and gets the account closed.

Where AgentaOS fits

## 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%.

Change how you sell. Grow revenue 4×.

Answer 3 questions and get a free audit of your price and checkout, from the founder. Free, in 2 working days.

[Get my free audit →](https://agentaos.ai/apply?src=seo-answers-take-card-payments-for-services)

Questions

## 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%.

Free pricing review

## Know what to charge *before you launch*

Paste your product or store link. Pricing Intelligence tells you what to charge and how to package it. Free, no card.

€0 account, no cardSell as an individual or a company

Keep reading

## Related

[Pricing your service packages](https://agentaos.ai/pricing-productized-services)[Which Merchant of Record pays out to my country?](https://agentaos.ai/answers/which-merchant-of-record-pays-out-to-my-country)[I build for clients: how do I set up their payments?](https://agentaos.ai/answers/run-payments-for-your-clients)

Sources: [Paddle: what you cannot sell](https://www.paddle.com/help/start/intro-to-paddle/what-am-i-not-allowed-to-sell-on-paddle) · [Lemon Squeezy prohibited products](https://docs.lemonsqueezy.com/help/getting-started/prohibited-products) · [Stripe Managed Payments](https://docs.stripe.com/payments/managed-payments) · [AgentaOS pricing](https://docs.agentaos.ai/mor/pricing)