Collecting Payments As A Health Coach

If you aren’t able to collect payments then you won’t make it very far as a business, but choosing the right method can be overwhelming.

Co-Founder & CEO at Nudge

Where PayPal was certainly the go-to for collecting payments several years, the recent boom in mobile payments has sparked a new wave of platforms and tools making it easier than ever to collect money from your clients; however, there are some critical items to consider when choosing a provider…

I scoured the websites of some of the top platforms and was able to compile a guide of pricing and convenience that I hope will help you better identify the right tool for you.

Comparing Cost

Probably the first thing someone checks when reviewing solutions, and platforms can certainly range in price depending on the level of convenience desired. When simply reviewing price for basic usage, I came across the following:


  • 3% per payment with credit card or non major debit card


  • 2.75% per swipe or 3.5% + $0.15 when manually entered

PayPal (no monthly fee)

  • Online Payments → 2.9% + $0.30 per transaction

  • Mobile Payments → 2.7% per swipe

  • Invoicing → 2.9% + $0.30 per transaction

Intuit GoPayment

  • Free Tier: 2.4% per swipe or 3.4% when keyed in ($0.25 transaction fee)

  • Also offer a $20/month subscription tier with lower transaction fees

Comparing Convenience

Are you generally on the go, or usually parked in front of your computer? Comfortable with mobile, or like the more traditional process of collecting payments through the web or email? Ultimately you need to decide what makes the most sense for your business and it’s worth noting that you will be paying a premium for the most convenient tools.

Venmo (iOS + Android)

Probably one of the easiest ways in which to collect payments, and certainly reaching a notable adoption level among young professionals.  As someone in their late 20’s I can say that most people I know are sending and receiving payments using Venmo.

The Venmo app is simple to use and painless to hook up.  Simply input your credit card, sync your contacts, and you will be sending money to friends for miscellaneous reasons in no time.

Square (mobile and web)

Square was one of the first mobile players in the space, emerging onto the scene a few years ago with their identifiable, little, white card reader that when plugged into your smart phone turns into a device capable of accepting credit cards.

It’s been widely adopted by food truck owners, personal trainers, and the like, as it still remains one of the easiest ways to collect a credit card from someone face-to-face. Great for anyone who finds themselves on the go and running their business by mobile.

PayPal (mobile and web)

Being one of the pioneers in payments they have been able to iterate and enhance their offering to include some of the functionality found with some of these newer, innovative systems. Most people are familiar with the original process of creating and sending money through PayPal accounts, but they have since launched a mobile reader (like Square) as well as an invoicing tool. Soup to nuts, PayPal still remains one of the most robust platforms on the market.

Intuit GoPayment (mobile and web)

Intuit is clearly a payments powerhouse and GoPayment boasts the ability to leverage the rest of the intuit network, conveniently interfacing with other tools, like Mint and Quickbooks.

Collect payments on mobile by swiping or taking a picture of your client’s card, have the purchaser sign the screen with their finger, then payments are received instantly.

Like PayPal, Intuit delivers an incredibly robust solution capable of allowing you to develop a well structured business ready to scale.

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Other Items to Consider

Certainly security is something to keep an eye on as mobile payments certainly come with inherent risks.  Make sure to follow the proper procedures used by these platforms to ensure you are using them safely.

Pick the appropriate platform for your business and clients.

If you are a coach with only a few clients you could get far using something basic like a Square or Venmo. Conversely, if you just signed your 50th client and are hiring an assistant then you may consider something more robust like Intuit.

For what it’s worth, we asked a few of our coaches about the platforms they used and included some of their responses below.

"As far as payment method goes, I use Square for my clients. I have been a licensed cosmetologist for almost 20 years now, so I have two different streams of clientele base. I love Square and their method of payment is a percentage for every transaction made with no card use restrictions, so I can take any credit card there is."

- Chelle Hennessey  

"I have had a lot of success with PayPal, Venmo & Square. If the client is in person I use Square. If they are satellite [clients], I use PayPal or Venmo."

- Stephanie Selvaggio  |

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Do you use something else?

Share how you collect payments for your business in the comments section below ...