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Credit Repair & Debt Settlement Merchant Accounts
Why Credit Repair Companies Choose Us
Credit repair and debt relief companies are often declined or shut down by standard processors. We work with processors that understand your industry, set up billing around your business model, and give you personal, hands-on support.
Recurring Billing
Monthly and installment billing that charges clients automatically by card or ACH.
CRM Integration
Payments can connect to most CRMs you already use, so client records and payments stay in sync.
Virtual Terminal
Take card payments over the phone and key them in securely from any computer.
ACH & Payment Links
Accept ACH and eCheck payments, and send payment links or invoices clients can pay online.
High-Risk Processing That Lasts
Stable Approvals
We match your company with processors that accept credit repair and debt relief, helping reduce holds and shutdowns.
Related Industries
We also work with tax resolution firms and other high-risk businesses.
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Card & ACH Options
Accept cards and ACH together so clients can pay the way that works best for them.
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How it Works
Tell Us About Your Business
We review your industry, current setup, processing volume, and business goals.
Program Recommendation
We recommend the best pricing structure for your business model and make sure it meets card brand and state rules.
Fast Implementation
We set up your account, gateway and integrations so you can start taking payments.
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Credit Repair Merchant Account FAQs
Why is credit repair considered high-risk?
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Processors view credit repair and debt settlement as high-risk because of recurring billing, strict federal and state regulations and higher chargeback risk. Many standard processors won't approve these companies, so working with high-risk specialists matters.
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Can I bill clients monthly?
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Yes. Recurring billing lets you charge clients automatically by card or ACH on the schedule you set.
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Can I take payments over the phone?
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Yes. A virtual terminal lets you key in card payments over the phone, and payment links and invoices let clients pay online.
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Will payments integrate with my CRM?
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In most cases, yes. We can connect your payment gateway to many popular CRMs so client records and payments stay in sync.
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Do you work with debt settlement and student loan companies?
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Yes. We work with debt settlement, debt consolidation and student loan document prep companies, along with tax resolution firms. Learn more about our high-risk merchant accounts.
Ready to Get Your Company Approved?
Tell us about your company through a quick application, and we'll find a stable payment processing solution built for your industry.
Not ready to apply? Contact us here.
Approval subject to underwriting.