High-Ticket Payments: What to Check Before You Take Large Cards

Why large tickets are different

When one payment is thousands of dollars, a single dispute or delayed deposit matters more. Processors may look more closely at large-ticket merchants during approval.

Questions to ask

• Limits. What are the maximum amount per transaction and per month?
• Holds and reserves. Can funds be held? Under what conditions, and for how long?
• Chargebacks. How much does a chargeback cost, and what evidence is needed to contest one? See reducing chargebacks.
• Funding time. How soon do funds reach your bank? Check the terms in your agreement.
• Card data. Some business and commercial card sales can carry lower fees when extra data is sent with the sale. Ask whether your setup supports it.

Consider ACH for big invoices

For large invoices, bank transfers can cost less than cards. Our guide to ACH vs credit cards compares them.

Get it in writing

Ask for limits, reserve rules and fees in writing, then check the agreement itself. Read what to check before choosing a processor.

Next step

A free statement review can show what you pay today. See the pricing page for volume tiers. Pricing is subject to approval.