High risk

Credit repair merchant accounts

Federal limits on advance fees and high dispute rates keep most processors away from credit repair. We place credit repair companies with processors that knowingly accept them, then stay on the account with you after approval.

Why underwriters look closely at credit repair

No fees before the work is done

The Credit Repair Organizations Act bars charging for credit repair before the service is fully performed, so billing models get close review.

Dispute-prone clients

Clients who don’t see the score change they hoped for dispute what they paid.

State registration

Many states require credit repair companies to register or post a bond.

A payment setup that fits

How we usually set up credit repair companies. Your consultant tailors it to how you actually sell.

  1. 1

    Billing after each round of work

    Charge after the work for each period is completed and documented.

  2. 2

    A clear client agreement

    The disclosures the law requires, the three-day right to cancel, and what you will and won’t do.

  3. 3

    Progress with every charge

    Show the client what was done before they see the bill.

What you’ll need to apply

Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.

  • Government ID for every owner with 25% or more
  • Voided business check or bank letter
  • Recent business bank statements
  • Recent processing statements, if you have taken cards before
  • Articles of incorporation and EIN letter
  • A website with clear pricing, refund, cancellation and contact details
  • Client agreement with the required disclosures
  • State registrations and bonds where required
  • Your billing schedule and how work is documented

Why applications get declined, and how to avoid it

  • Setup or first-work fees charged upfront
  • Promises of a specific score increase
  • Telemarketing with advance fees
  • No record of work performed before each charge

We review your website, policies and statements against these before anything is submitted.

Get startedFor credit repair companies. Two minutes to start, and a consultant calls you back.
Get started

Keeping the account healthy after approval

Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.

  • Never charge before the work for that period is done
  • Send a work summary with every invoice
  • Make cancellation simple and honor it immediately
How our consulting after approval works See how we’d watch an account like yoursClick through the hub with sample data: the dispute ratios, approvals, fees and deposits we track for credit repair companies.Try the demo

Credit repair: common questions

Can we charge a setup fee?

No. The law bars charging for credit repair before the service is performed, and acquirers check for this first.

Can we bill monthly?

Most compliant programs bill monthly, after that month’s work is completed and documented.

Why do so many processors refuse credit repair?

Because of advance-fee violations and refund disputes across the industry. A clean billing model and good records are what get you approved.

What happens after I’m approved?

We keep working with you. Our platform gives you one view of every account, and we review your chargebacks, approval rate, fraud tools and fees with you so the account stays healthy and gets cheaper over time.

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Talk to a payments consultant

Tell us about your business. We’ll tell you which processor fits, what it should cost, and how we’ll keep it optimized after you’re approved.