Pay-Over-Time for Coaching & Training Businesses
Turn proposals into signed engagements with less friction. PayBreak gives clients a structured way to pay over time while you get funded upfront.
Close more retainers and multi-month programs.
- ✓Works for 1:1, cohort, and hybrid offer structures
- ✓Clients see eligible options before they commit
- ✓You stay focused on delivery, not payment plans
Save on time, fees, and headaches
Lower fees on program revenue
Meaningfully lower processing costs compared to typical online BNPL merchant fees. Keep more of every completed sale.
Instant funding, zero headaches
Get paid when a plan is accepted. No chasing customers. No clunky systems or lengthy applications.
Encrypted, secure transactions
Payments are protected with industry-grade encryption — so your customers can check out with confidence.
Familiar payment experience for clients
BNPL-style paths clients already know — so higher-ticket containers and retainers are easier to say yes to.
No website or cart needed
Build a PayBreak catalog instead — share pay links by email or text, or let customers scan a QR code to check out. No e-commerce site required.
Dedicated US-based support
Real humans, fast resolutions. Our team is here for you — onboarding, payouts, and day-to-day merchant questions.
PayBreak saves merchants nearly 50%
PayBreak compared to Klarna and Affirm on base rate, fees, and effective cost.
| Feature |  |  | PayBreak |
|---|---|---|---|
| Base rate | 5.99% | 5.99% | 4.49% |
| Per transaction fee | $0.30 | $0.30 | $0.10 |
| Processing fees | ~2.9% | ~2.9% | Included (all-in) |
| All-in effective rate (on $1,000) | 8.92% | 8.92% | 4.50% |
| Cost on $1,000 sale | $89.20 | $89.20 | $45.00 |
| PayBreak savings vs competitors | Save 49.6% with PayBreakVS Klarna $44.20 per $1,000 | Save 49.6% with PayBreakVS Affirm $44.20 per $1,000 | Lowest cost. All-in pricing. |
Illustrative pricing for demonstration only. Figures represent average standard merchant rates. Actual rates vary by merchant, transaction size, industry, and underwriting. Klarna and Affirm are trademarks of their respective owners. PayBreak is not affiliated with, endorsed by, or sponsored by Klarna or Affirm. This comparison is provided for informational purposes only.
Ready to close more coaching engagements?
Join early merchant partners building pay-over-time into how they sell high-trust, high-ticket offers.
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