Credit Repair Payment Processing
Merchant Accounts for Credit Repair Companies
Stable payment processing for credit repair agencies operating under CROA compliance.
CROA-Aware Underwriting
Our underwriting team understands the Credit Repair Organizations Act and works with compliant credit repair operations.
Compliant Billing
Our gateway supports CROA-compliant billing structures including deferred payment and milestone-based invoicing.
Fast Approvals
Most credit repair merchants receive a decision within 24 to 72 hours of submitting a complete application.
See How Your Credit Repair Rates Compare
Credit repair companies pay premium rates because most processors ban the category. Enter your volume to see what we can offer.
- CROA-compliant milestone billing supported
- Chargeback alerts and fraud screening included
- We approve credit repair companies others decline
How much are you overpaying?
Enter your numbers from last month's processing statement.
All figures shown are estimates only and may be subject to change based on application review, business model, risk factors, and underwriting assessments. This tool does not constitute a commitment, guarantee, or offer of specific terms.
Same-day decisions · No application fee · Dedicated account manager
Processing Built for Credit Repair
Challenges Credit Repair Companies Face
CROA Billing Restrictions
The Credit Repair Organizations Act prohibits advance charging before services are delivered. Many processors do not understand this structure and decline compliant operations.
High Chargeback Exposure
Clients who see slow progress or reach their goal early frequently dispute charges. Without chargeback tooling, ratios escalate quickly.
Blanket Category Bans
Most national banks decline credit repair accounts by policy, regardless of compliance posture or track record.
Processor Terminations
Credit repair accounts are frequently terminated mid-contract when chargebacks rise even slightly, leaving companies scrambling for replacement processing.
Built for Credit Repair
CROA-Aware Underwriting
Our underwriting team evaluates credit repair businesses on compliance posture, not category alone.
Milestone Billing Support
Our gateway supports CROA-compliant billing structures where charges occur after services are rendered.
Chargeback Alert Integration
Ethoca and Verifi alerts notify you of incoming disputes before they post, so you can resolve them proactively.
High-Volume Processing
Underwriting built for credit repair scale, including businesses with thousands of active client accounts.
Fraud Screening
Velocity rules and device fingerprinting protect against fraudulent applicants submitting false credit information.
Dedicated Account Manager
A named account manager experienced with credit repair payment risk, available around the clock.
Corepay By the Numbers
-
24-72h Typical Approval Window
-
98% Uptime SLA
-
135+ Currencies Supported
Processing Payments in 30+ Countries
United States
50 statesFull domestic processing with next-day funding and dedicated account management.
European Union
27 member statesPSD2 and SCA compliant processing across all EU member states with multi-currency settlement.
United Kingdom
England, Scotland, Wales, NIFCA-regulated payment processing with GBP settlement and local acquiring.
Australia
All territoriesAPRA-compliant processing with AUD settlement and Asia-Pacific connectivity.
If you run a credit repair business, you know how difficult it can be to find reliable payment processing. The credit repair industry is a $4 billion market, but it comes with challenges that make most banks hesitant. We provide merchant accounts tailored to the specific needs of credit repair companies, whether you are a startup or an established operation.
Credit Repair Services We Support
We work with all types of credit repair businesses, including cease and desist collections, credit disputes, credit repair consulting, and debt settlements. If you operate a legal credit repair business, we are confident we can help.
Why Credit Repair Is Classified as High-Risk
Banks worry that credit repair clients will not make timely payments. If enough clients stop paying, the business is in trouble, and the processor is exposed. Chargebacks are also common, since many credit repair customers are already in financial distress. And there is a general concern about illegitimate businesses operating in this space, which makes acquirers cautious across the board.
MCC Categories
Credit repair businesses may see several merchant category codes on their statements, including MCC 7299 (consumer credit counseling), MCC 8748 (business consulting), MCC 7323 (credit reporting), and MCC 7389 (non-categorized).
How to Increase Volume Caps
Increasing your processing volume limits is essential for growth. The best ways to do this are to maintain good personal and business credit, keep a clean and compliant website, maintain low chargebacks, provide strong customer service, and develop a good relationship with your processing partners.
Applying for Your Account
You will need the following:
- A fully compliant website
- Voided check or proof of bank accounts
- Driver’s license or valid government I.D.
- Social security number
- Six months of processing statements (if available)
- Articles of incorporation
- Fulfillment agreement
- Customer service center agreement (if outsourced)
- Chargeback ratio under 2%
During underwriting, we look for signs that you are running a legitimate business with a growth plan. We check processing history, chargebacks, credit history, and website compliance. The more evidence you can show that you are a reputable business, the better your application will look. We also offer processing for debt collection merchant accounts.
Why Choose Corepay
- Competitive rates
- Approvals within 24 to 72 hours
- High-volume processing
- Multi-currency support
- PCI Level 1 secure gateway
- Mobile payment acceptance
- Waived application, setup, and annual fees
- 24/7 customer service
