Credit repair merchant accounts under CROA
Credit repair is lawful, federally regulated, and refused by most aggregators because the category has a long history of advance-fee abuse. The Credit Repair Organizations Act is the reason: it governs when you may take payment, and an account that bills at the wrong moment is a compliance problem before it is ever a chargeback problem.
- Approval rate
- 90%+
- Underwriting decisions
- Same day
- Countries supported
- 170+
Approval rate
Underwriting decisions
Countries supported
How this goes
- 1ApplyOne form. No credit pull, no fee, nothing owed if we cannot place you.
- 2Underwriting reads the fileA same-day decision from people who already know this category.
- 3Integrate and go liveYour existing checkout and cart. Settlement starts on schedule.
Missing a document? Apply anyway. We will tell you what is outstanding rather than decline the file over it.
What you get
- 90%+ approval for hard-to-place businesses
- Visa, Mastercard, Amex, Apple Pay and Google Pay
- USD payouts to your U.S. bank
- Same-day integration
- No contract, one flat rate
- Same-day underwriting decisions
Based outside the United States? Canadian and international merchants settle in their own banking system. Tell us where your entity is and we will match the acquirer to it.
In credit repair, underwriting is not asking whether your service works. It is asking when you charge, because federal law answers that question and most declined applicants answered it wrong.
Why credit repair accounts get declined
- Billing collected before the promised services are fully performed, which is the specific practice CROA restricts.
- No written contract with the cancellation rights CROA requires, so the file cannot evidence compliance.
- Outcome-style marketing that implies a guaranteed score increase, which underwriting reads as a promise you cannot keep.
- High dispute rate from customers who expected a specific result and did not get it.
- Recurring monthly billing with no clear statement of what each month's payment buys.
What to have ready
- A written services contract including the cancellation rights CROA requires
- A billing schedule that charges for services already performed
- Marketing copy with no guaranteed-outcome or specific-score-increase claim
- Current chargeback ratio and your refund policy
- Three months of processing statements, formation documents, EIN letter and owner ID
Missing something? Apply anyway. Underwriting will tell you exactly what is outstanding rather than declining you for an incomplete file.
Estimate your approval odds
Three quick answers. No credit pull, no commitment.
Credit Repair Merchant Account questions, answered
Can a credit repair business get a merchant account?
Yes. The category is lawful and there are acquirers who underwrite it deliberately. What separates an approval from a decline is almost always billing timing and contract documentation, not the service itself.
What does CROA change about how I bill?
The Credit Repair Organizations Act restricts charging for credit repair services before those services have been fully performed, and it requires a written contract with specified cancellation rights. That makes advance-fee models a compliance question rather than a pricing preference, which is why underwriting asks about your billing schedule before it asks about your volume. This describes the statute and is not legal advice.
Why are my chargebacks so high in this category?
Because outcome expectation drives disputes. Customers who believed they were buying a score increase dispute when the score does not move, regardless of the work performed. The most effective fix is upstream of payments: describe the process rather than the result, and make each month's deliverable explicit on the statement and in the contract.
What does it cost?
One flat rate with no contract and no long-term lock-in. Pricing depends on your processing history, average ticket and dispute record, so the rate is quoted after underwriting reads your file rather than promised up front. Any provider quoting a headline rate before seeing a statement is quoting a number they can revise later.
Will I need a reserve?
Sometimes. A rolling reserve holds a percentage of settled volume for a set window, then releases it on a rolling basis. It is set by the acquirer against your dispute exposure, not by us, and it is negotiable at renewal once you have clean months on the book. Ask for the percentage AND the hold window — a reserve reaches a predictable steady state you can calculate before you sign.
What a rolling reserve isI have been declined elsewhere. Does that disqualify me?
No. Most merchants who come to us have already been declined by an aggregator or dropped without explanation. A prior decline is a data point, not a verdict, and aggregators decline whole categories on principle rather than on the merits of your file.
What if I am on MATCH?
Tell us before you apply. MATCH is a card-network list of merchants terminated by a previous acquirer, and it is visible to every underwriter who pulls your file. Disclosing it costs you nothing; concealing it ends the application when it surfaces, which it will. Some MATCH reason codes are workable and some are not, and we will tell you honestly which one you are.
What the MATCH list isKeep reading
Find out if you are approved
No application fee, no contract, and a same-day underwriting decision.