High Risk
Merchant Accounts for Credit Repair Companies
A credit repair company may receive remote payments for documented services under a customer agreement. The billing workflow needs to reflect applicable restrictions on when payment may be collected.
Credit card processing for credit repair companies starts with what you already pay. Send one recent statement and a person reads your merchant account for credit repair companies line by line. Free, with no obligation.
Short answer
Can a credit repair company get a merchant account?
Often, yes, though billing timing and service records matter. The processor's underwriting decides approval case by case, and terms and reserves vary. We help look for a fit but cannot promise approval. Send a recent statement or decline letter for a free review.
What businesses like yours need
What credit repair companies need from processing
- Billing timing reviewed against applicable service payment rules
- Customer agreements and records of completed work
- Card-not-present payments through an approved channel
- Clear cancellation and refund disclosures
- Recurring payment consent where lawful and approved
Products that fit
Setup that tends to fit
A documented billing workflow should connect each charge to the agreement and service records. The processor underwrites high risk accounts case by case, and terms and reserves vary; account approval does not establish legal compliance.
Not sure what you have now? Your statement shows it. Compare common systems on our POS system comparison.
What to check on your statement
We check these and every other line during a merchant statement analysis. New to statements? Read how to read a merchant statement.
- Recurring gateway charges matter when an approved billing schedule is used
- Chargeback fees should be reviewed alongside service disputes
- High risk monthly account fees should be checked against the agreement
Send one credit repair company statement. We read every line and tell you what each fee is.
Send your statement for a free reviewCredit repair companies: common questions
Can a credit repair company qualify for a merchant account?
The processor's underwriting decides approval case by case. Applicable licenses, website claims, billing policies and processing history matter. We help look for a fit and cannot promise approval.
What should I send for a free credit repair payment review?
Send a recent statement with all pages, or a decline or closure letter. Include your website and an explanation of when you bill in relation to completed services.
Does account approval allow advance billing?
No. Processor approval does not override restrictions on collecting payment for credit repair services. Get qualified legal guidance on billing timing before setting up charges.
Why keep records of completed services?
A payment receipt alone does not show what work was performed. Agreements, completion records and customer messages can help explain a charge and respond to a service dispute.
Send one statement. We read every line, free.
Upload one recent statement from your credit repair company. A person reads every fee and explains it in plain English. Free, no obligation.