Credit repair merchant accounts

The category is governed by the Credit Repair Organizations Act, and banks decline it because too many operators charge before they deliver. Bill the way the law requires and the account underwrites.

Why banks decline credit repair

• Advance fees are prohibited under the Credit Repair Organizations Act, and processors have been fined for merchants who charged them.
• Outcome marketing (a specific score, a specific result) draws regulator attention and chargebacks in equal measure.
• Recurring billing without clear terms is the second chargeback source.

What we need from you

Underwriting reads the site before it reads the application. Have these ready and a complete application goes live in 24 hours.

• Contracts and disclosures that follow the Credit Repair Organizations Act, including the cancellation right
• A billing model that charges after services are performed, never in advance
• Marketing without outcome promises
• A billing descriptor that matches your brand
• Formation documents and an EIN or your country's equivalent
• Owner identification (a passport is fine; no SSN needed for non-US owners)
• A voided check or bank letter for the settlement account
• Processing and chargeback history from your current processor, if you have one
• Published refund, shipping and privacy policies, and terms that match how you actually bill

What you get

• An account underwritten for the category, coded correctly, with recurring billing that follows the rules.
• Routing across more than one merchant account where volume justifies it.
• A vault under your name, so your client base moves with you.
• Settlement in two business days.

What we cannot support

Saying it here saves you an application.

• Advance-fee models
• Marketing that promises a specific score or result
• Subscriptions without a working cancellation path

Questions credit repair merchants ask

Can credit repair take cards?

Yes, when billing follows the Credit Repair Organizations Act: after services are performed, with the contract and cancellation rights the Act requires.

Is monthly billing allowed?

Yes, for services already performed in that period, with terms shown at signup and a cancellation path that works.

Will there be a reserve?

Often at the start. It is stated in the offer.

Do you need my contracts?

Yes. Underwriters read the contract and the disclosures before approving the account.