Merchant Accounts for Credit Repair Companies

Take card and ACH payments, bill clients on a schedule, and work with a processor that understands your industry.

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Name*

Lead Source*

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Do you currently take credit cards?

Yes

Estimated Monthly Volume

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Payment Processing That Understands Credit Repair

Your company works with clients to resolve issues on their credit reports, deal with collections, and rebuild their financial health. This work is admirable, but credit repair is still a sensitive category for many payment processors. Many outright refuse to work with credit repair companies, and some approve the accounts only to unexpectedly close them later.

Host Merchant Services takes a different approach. While other processors may decline your industry code, we look deeper to understand your business operations. We study your sales and billing processes and your overall service to understand your payment processing needs. Then we build a payment processing solution specifically for you.

Who We Work With

We’ll review your business whether you’re a one-person consultancy or an expanding agency.

Credit repair agencies resolving disputes and correcting credit report errors for individual clients.
Credit restoration companies assisting clients to rebuild their credit after going through setbacks like collection accounts and/or late payments.
Credit consultants and coaches who provide educational services and/or create individualized credit repair plans.
Companies adding credit repair services to the existing services they offer.

Get Paid the Way Your Clients Pay

Your clients pay in many different ways and your billing needs to keep up. With multiple payment options, you can ensure easy payments for your clients and simple billing for your team.

Cards and ACH. Accept all major card brands and bank transfers, so your clients have more ways to pay.
Automate your billing for monthly clients. Stop chasing payments from monthly clients.
Payment links. Payment links let your clients pay from anywhere in just a few taps.
Virtual terminal. Take payments over the phone or over the internet with no special hardware needed.
Clean records for each payment. See exactly what your clients paid and when so you can quickly answer any payment questions.

A Processor That Knows High Risk

Credit repair is high risk due to chargeback exposure and how the industry bills. We work with high-risk banking relationships and boarding partners, so we review each application.

Our underwriting team reviews every application. Each business is assessed on how it operates, rather than just the industry it’s in.
We work with multiple high-risk banking relationships. More than one boarding partner gives us options to find the right fit for you.
Get chargeback support. Find out how to handle disputes and what you need to do to keep your account healthy.
Interchange-plus pricing. Understand what you pay and the card networks’ costs with no surprises.
24/7 U.S.-based support. Talk to us at any time, day or night.
Discounted pricing on our most popular products. Find out how much you can save.

Billing That Fits the Rules

There are several laws that govern credit repair billing. The CROA states that credit repair organizations cannot charge clients before services are rendered. The Telemarketing Sales Rule also applies to phone sales.

It is best to time your billing based on how and when you render your services and get this confirmed with your legal counsel. We review your billing plan as part of underwriting, so you start on solid footing with us.

What to Have Ready

The complete application gives underwriting a full picture of your business. Be prepared to provide:

Your average monthly volume and typical charge amounts for your services.
Any refunds or chargebacks; include context for anything unusual.
How and when you bill clients, what each charge covers, and when you collect.
Your business activities, including how you get clients, what you sell, and what you do for clients.

If your previous processor closed your account, explain why. Providing an explanation allows underwriting to evaluate your application more fully.

Why Credit Repair Companies Choose Host Merchant Services

A Real Review

Every application is reviewed by experienced people who work with high-risk businesses.

Pricing You Can Read

Interchange-plus pricing shows what you pay above the card networks’ costs, with nothing bundled in.

Tools Built for Ongoing Clients

With us, you can simplify billing for you and your clients with ACH, payment links, and recurring billing.

Support When You Need It

Our U.S.-based team is available 24/7/365.

Getting Started Is Simple

Tell Us About Your Business

Complete the form on this page, or call 877-517-4678. We'll ask how you provide your services, who your clients are, and how you bill them.

Get Your Account Reviewed

Give us your documents and processing history. Your application will be reviewed by our underwriting team. They will let you know if an account can be offered and what terms it will be offered on.

Take Payments

We help you set up your payment tools and take your first payment.

Frequently Asked Questions

Do you work with credit repair companies?

Yes. We process payments for credit repair and similar businesses, and our underwriting team reviews every application individually.

Why do other processors decline credit repair?

From the processors’ perspective, chargeback risk is high for credit repair companies. Furthermore, there are restrictions on how and when fees can be assessed in credit repair, and processors often choose to stay out of this industry. We evaluate credit repair businesses on a case-by-case basis.

Can I apply if my last processor closed my account?

Yes. If your last processor closed your account, tell us the reason, and include your processing history. Underwriting will make its decision based on that history.

Can I bill clients every month?

Yes. We can provide you with the ability to bill your clients on a monthly or recurring basis. Just let us know what works best for your business, and be sure to confirm your schedule with your legal counsel.

Can clients pay by bank transfer?

Yes. We can set you up to allow your clients to pay by ACH as well as by card.

Will there be a reserve?

Underwriting will evaluate this for your business, and we’ll explain it to you before you sign any agreement.

What does interchange-plus pricing mean?

Interchange is the rate the card networks set for each transaction, and we add our markup separately, so it’s displayed to you in two parts.

Let's Get Your Payments Set Up

Filling out this form will help us better understand your credit repair business, and we’ll let you know what payment processing options are available for you. Alternatively, you can call us at 877-517-4678 to speak with our team.