Credit Repair Merchant Account
Accept credit card payments from your clients with specialized merchant accounts for credit repair businesses - Stop worrying about account freezes and focus on growing your business
Why You Need a Specialized Merchant Account for Credit Repair
PayPal, Stripe, Zelle, Cash App, Square and most merchant accounts actively prohibit and suspend credit repair businesses. Using them risks shutdown and potential compliance issues.
High-Risk Approved
Credit repair is considered "high-risk" by standard payment processors. Our recommended providers specialize in credit repair merchant accounts.
Reliable Income
Process payments safely without the fear of sudden account freezes or shutdowns that can cripple your cash flow.
Scale Your Business
Focus on growing your credit repair business instead of worrying about payment processing issues.
Credit Repair Merchant Account Providers
We've partnered with top providers specializing in high-risk merchant accounts for credit repair businesses.
5 Star Processing
Lowest overall transaction rates for high-volume businesses
Zero cancellation fees – great for long-term business stability
Most reliable approval system for businesses with history
Designed specifically for scaling credit repair operations
Seamless integration
eCrypt formerly Bank Card USA
Easier approvals for new credit repair businesses
Next day funding to improve cash flow when starting out
Lower monthly minimum ($45-65 depending on bank statements)
Simple flat-rate pricing model – easier to budget for startups
Seamless integration
Coastal Pay
Lowest percentage rate at 3.95%
Next day funding available
Established history serving high-risk merchants
Nationwide service with consistent approval criteria
Good option for businesses with larger transaction sizes
Seamless integration
Detailed Comparison
Monthly Cost & Profit Calculator
Simplify Your Billing with CRC Billing
Credit Repair Cloud's built-in payment platform makes client billing effortless
CRC Billing is included FREE with your Credit Repair Cloud subscription
CRC Billing provides everything you need to process client payments, eliminating the need for third-party systems. We supply the software, gateway, and merchant account integration.
Supports all billing models, including subscription billing and pay-per-delete
Accept credit & debit card payments easily
Customized billing experience with client portal
Invoicing with user-friendly interface
Subscription management with automatic failed payment recovery
Zero processing fees - keep 100% of your revenue
Save thousands yearly compared to other payment processing systems
Already Have a Merchant Account?
You can connect your existing merchant account to CRC Billing
How to Connect Your Existing Merchant Account
Free Guide: Getting Paid at Credit Repair
Learn the best practices for setting up billing, pricing your services, and maximizing revenue in your credit repair business.
Pricing strategies that maximize profits
How to set up compliant billing systems
Tips for reducing chargebacks and retaining 100% of your revenue
Best practices for recurring revenueBest practices for recurring revenue
How CRC Billing saves you thousands compared to other payment processors
Frequently Asked Questions
Have more questions? Contact our support team!
support@creditrepaircloud.com
All merchant account providers consider a credit repair business to be high risk for credit card processing. If you want to accept credit card payments from your clients for "credit repair services" you must have a merchant account for credit repair from a merchant account provider who specializes in these types of accounts.
PayPal, Stripe and other common gateways cannot be used to charge clients for Credit Repair Services. Credit Repair Services are a violation of their Terms of Use Policy. Their auditors will quickly discover you are violating your agreement and they will ban you.
The onboarding process with our recommended merchant account providers typically takes between 3 to 7 business days after paperwork submittal. Five Star Processing offers the fastest approval times in the industry.
CRC Billing is Credit Repair Cloud's built-in payment processing platform that includes software, billing tools, and client management features. A merchant account is the financial account that allows you to accept credit card payments. CRC Billing works with our recommended merchant account providers or with your existing merchant account (with NMI integration).
Requirements vary by provider, but generally you'll need:
Website or marketing materials
Voided check or bank letter
Government-issued ID or passport
Contract agreement with your clients
3 months of business and/or personal bank statements
Ready to Start Accepting Credit Card Payments?
Automate the credit repair process with Credit Repair Cloud.